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Sparkie used to post on CAG for quite a few years. I have sadly learnt that he has passed away. He will be sadly missed as a consumer fighters soldier. RIP Sparkie

Folks When I click on the link, I am taken to the Yorkshire Building Society , which then states "Page not available". Any ideas on how I can check if my mortgage was/is securitised? Doc

I have a mortgage with Accord and they are wanting to repossess my home......how does affect me?? Doc

Hi Folks Sorry for not getting back sooner as I've been busy trying to work at getting solutions and answers. Many thanks for all of your help and advice. We have now secured ourselves some legal representation and have resolved the acceptance of an offer issue.(for now!!) Doc

Above are my comments

I'm not even sure what they are financially?

Interestingly we don't have any written/signed contract with them and likewise vice versa!!!!

We appointed the estate agents on the advice of our financial advisors who were the instigators with our remortgage initially with Accord (we had a mortgage with Halifax). And subsequent advice to a now "bust" broker who got us a further variable secured loan with Swift

It's not so straightforward! Foisted perhaps in our niavety!!

Hi folks Can anyone advise. We have our house up for sale and we have just been told that the estate agent has accepted an offer on our property without informing us of it,until now. Is this legal? The offer is lower than the asking price ! He told us that it's a distressed sale so is lower!!! He also told us that the banks can force us to accept the offer? Below are my wife's comments! I rang and spoke with the agent – a piece of *****. I am delusional!!! I don’t realise the severity of the situation??? We are going to be repossessed, this is a distressed sale. The court case will only be adjourned for a few weeks, not suspended for 3 months or anywhere near that!!! (according to him). Any advice would be welcome? We have a court date of in Dec as our main mortgage is going for repossession. Doc

there most likely are a lot of charges on the whole agreement as this is not the first time he has missed a few payments. He has requested and SAR to highlight what extras have been added to the agreement.I think he has a further year to run!

I think it's about 4 missed payments. He's a student , works part time at weekends may not be able to pay much off of the arrears, he will try and pay the normal monthly payments.

we're in Northern Ireland .....he received a letter from the solicitors acting on behalf of BH and this is what it says...." We enclose herewith a civil bill for your attention by way of service....Please note that this document means that legal proceedings have now been issued against you and you have 21 days to respond to these proceedings. Failure to do so could result in a judgement being obtained against you which will affect your credit rating. therefore we would respectfully suggest that you seek legal advice in relation to this." The other attached form (which is a legal document) states at the top of it "Ordinary civil bill order 5 rule" it says it's between BH and My Son "The defendant is hereby required to appear at the Courthouse on a date and a time to be notified to the parties by the chief clerk to answer the Plaintiff's claim for an order that the Plaintiff to recover against the defendant and that the defendant do return to the Plaintiff the Plaintiff's goods (herein described) being the goods in a Hire Purchase Agreement(particulars whereof are hereinafter set forth) and wrongfully detained by the defendant." It hen goes on to state how much the arrears are for etc.... There is a heading "Warning" which states "If you wish to dispute this claim against you within 21 days after service of this civil billon you, a notice of intention to defend these proceedings in Form 42 must be served on the Plaintiff and a copy served on any other party to the proceedings and a copy delivered to the chief clerk at the courthouse. If you fail to serve such a notice the plaintiff may proceed and obtain judgment against you in your absence and without further notice"

November 2009 and he's paid more than a third.