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harmy77

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About harmy77

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  1. firstly thank you for reading i thought i would start at the beginning in 2007 when i was not in a good place i remortgaged my commercial property to lancashire mortgages and by releasing £30000 in equity it cost me a extra £50000 in early release from previous lender and fees to broker and lancashire. what i did not realise was that this was interest only and due to receivership fees and charges i now owe then £300,000 from originally borrowing £220,000 and i am paying them £2400 a month. the rent does not even cover the monthly payments i originally put in a inflated salary for myself as the broker advised. i have never been offered a plan to pay the capital sum off and they have rejected my claim as it is over 6 years old and told me they are not regulated by fca and my broker no longer exists. do i have any redress . i know this is all of my own stupidity but has anyone any ideas how can rescue this sinking ship!
  2. thanks for your help my hearing is today is their anyting else i can do
  3. sorry to be a pain cant find the ammendended letter
  4. i thought it was straightfoward i just copied the one from the guidlines on this site, and again thank you
  5. okay i have filled in the n224 asking for a suspension of eviction and written a witness statment
  6. yes it is up to date i agree that those costs seem high but with four kids 2 outings a month and presnts iclude friends parties birthdays x4 and christmas do you still think it still to high and and i allowed to keep some of the money left over for savings for rainy day emergencies ?
  7. yes it my second morgage , she was meant to be paying from her account
  8. she left about 2 weeks ago and is living in india with her parents, please find my budget sheet
  9. Thanks for getting back i had no idea that was a hearing anss she had hid all letters from me i was arrears previously but had clead most of them before a eviction date was set back in 2009 i think. the property is in joint names about 15 years i have no proof except for money being taken out each month in cash from my account
  10. help my wife has left me and my 4 kids and has not paid the morgage in 2 years ( i was giving her the money every month) i only found out this morning when the ballif sent me a letter saying i have 4 weeks before eviction i owe 17,000 and GE mony want the full amount i have about £100,000 in equity in the house and i can afford payments each month plus a bit extra but not full arreas please can anyone help
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