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GLADSTANES

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Everything posted by GLADSTANES

  1. I am not quite clear. Could you please clarify exactly how much you owe and the value of your assets.
  2. HALLO. KaKa 1. All the very best with this situation. My heartfelt sympathy to your sis. I have been in the place where she now is. She will be fine with the RIGHT TREATMENT and care. £3500 is so insignificant in the scheme of things. Speak to all creditors and possibly to CAB experts, but NOT to anyone who wants to charge for "advice". Regards GLADSTANES
  3. YOU HAVE IN THE PAST BEEN FORCED TO ADD EXTRA PAYMENTS ABOVE WHAT THE JUDGE HAS ORDERED TO CLEAR UNLAWFUL CHARGES. GE cannot FORCE YOU TO DO THIS. YOU ONLY HAVE TO PAY WHAT THE COURT HAS ORDERED FOR THE DURATION OF CLEARING THE ARREARS. If GE has pressurised you to do this as you say then that will not look good for them in front of the judge. Do not hesitate to get into court and apply for the warrant to be suspended.If you have an income now no judge will allow these pond **** to take your home. Yours Aye Gladstanes
  4. Hallo Tigger72. Please do not delay in this matter. I sympathise completely with your situation. Make sure you personally get the forms to the Court in order to bet a hearing asap. All the very best Gladstanes
  5. Hallo Pat2010. Consider engaging a fair priced solicitor to deal with these pond ****. Get a DEFINITIVE FIGURE for your arrears. Keep records of all payments that you make to them. Do not be intimidated by them please. I have been down this road too. Stress to Capstone that you are NOT paying for insurance that you have not used. Remember that only mortgage payments due are included in arrears. Are Capstone still in the Council of Mortgage Lenders? If they are, next time you speak to them remind them of the rules under which CML members must act. Give them the impression that you know more than they do and they will likely treat you with more care. All the best Gladstanes
  6. Sixofspades As others have confirmed the Court is now in charge and NOT your lender. Provided you pay as directed by the Court there is nothing the lender can do. Naturally you will keep records of all payments to your lender from now on. It may be worth checking your legal rights, e.g. your access to evidence of payments, in this whole matter simply because the mortgage is in the names of your mother and father only. All the very best. GLADSTANES
  7. Sixofspades As others have confirmed the Court is now in charge and NOT your lender. Provided you pay as directed by the Court there is nothing the lender can do. Naturally you will keep records of all payments to your lender from now on. It may be worth checking your legal rights, e.g. your access to evidence of payments, in this whole matter simply because the mortgage is in the names of your mother and father only. All the very best. GLADSTANES
  8. 999Wills Well done. "Never give up. Never give up. Never never never." (W S Churchill) He didn't and look what happened! Regards Gladstanes PS The alcohol will taste better now.
  9. 999Wills Well done. "Never give up. Never give up. Never never never." (W S Churchill) He didn't and look what happened! Regards Gladstanes PS The alcohol will taste better now.
  10. The DVLA is an Executive Agency of the Department for Transport. Are you saying they are not printing the law correctly in an official government document? I am still interested to know the correct definition of "private land" as stated in my previous post because it is that definition by which all vehicle owners must be directed in this important matter.
  11. More quotes:- This is verbatim from "Renewal reminder for a tax disc or SORN". (V11) "If you decide not to renew your vehicle tax you must declare your vehicle is off the road by making a SORN. (Garages, driveways and private land may be considered to be off-road areas)." Would Buzby please give the definition of private land as evidenced above? Regards Gladstanes
  12. Buzby This is relevant because the vehicle was under SORN and not taxed at the time. On the link you have posted I believe it states that there is no requirement to show any disc when the vehicle is under SORN and in any event the vehicle was parked on private land. As the vehicle was parked on private land it should not have been clamped or touched in any way at all. Clampers will have now have computerised records of the tax status of every vehicle. They had absolutely no right to take this action. To reiterate the vehicle was under SORN and therefore there is no requirement to show any tax disc. GLADSTANES
  13. "Since 1st September 2008, you can legally drive or keep your vehicle on the road for up to five days from the end of the month without displaying a valid tax disc provided you have made your application (by phone or online) before your current vehicle tax/SORN expires." This is quoted verbatim from an official DVLA publication published 11/09. There is no mention of displaying anything. Gladstanes
  14. Sir, Please act quickly. Get in touch with the housing solicitor connected to your local citizens advice bureau. Time is of the essence. Gladstanes
  15. Taz Remember in your blackest moments that these people only care about one thing-profit! If you come up with viable proposals they will go for one of them because if they repossess they are bound to take a loss. Stay positive and get in touch with your local CAB housing solicitor as well as all the supporters on this site. You will keep your house. "unleash the dogs of war" (Shakespeare). Gladstanes
  16. Taz My heart goes out to you. The claimant can cancel the warrant at any time right up to the last minute almost as far as I am aware. The reason that I know this to be true is because in January 2008 we were about one week away from repossession. We had received the warrant and the only reason we kept our house was because the remortgage completed one week before eviction. Our CAB housing solicitor told me that warrants of eviction are cancelled every day. To him it was routine and to me it was crisis. You must get the relevant form filled in as soon as you receive the warrant. You cannot unfortunately apply before then because you have to put the warrant details on the form. Just follow Ell-en's guidance. Surely there is no reason why you should not have more than one solution. The judge can direct. All the very best to you. Gladstanes
  17. May I ask how many months are you actually in arrears because it does not seem like many to me? This lender is being far too aggressive given the current guidelines. Never give up, never give up, never never never. (W.S. Churchill) All the best Gladstanes
  18. May I ask how many months are you actually in arrears because it does not seem like many to me? This lender is being far too aggressive given the current guidelines. Never give up, never give up, never never never. (W.S. Churchill) All the best Gladstanes
  19. May I ask when the original suspended possession order was given and what the arrears were at that time please? The reason I ask is that I may be able to throw some light on the £6000 mortgage admin fee. Gladstanes
  20. I was under the impression that you were liable anyway for any shortfall once the property has been repossessed. Would be grateful for clarification.
  21. Please remember that just because you give back the keys it is not the end of the matter. You will still be liable for all monies secured on the house. I would be inclined to start negotiating hard with all interested parties. Each lender would rather have some money now than risk waiting for a bit more in the future. It would seem you are in a position to offer each lender about 75 percent of what you owe. Who are the OR? Regards Gladstanes
  22. Delighted to hear the news. Another victory for common sense and once again Ell-enn's brilliant guidance and help. "Never give up, never give up, never never never." (W.S. Churchill) Gladstanes
  23. Delighted to hear the news. Another victory for common sense and once again Ell-enn's brilliant guidance and help. "Never give up, never give up, never never never." (W.S. Churchill) Gladstanes
  24. ALL THE VERY BEST TO YOU TOMORROW. Never give up, never give up, never never never. (W.S. Churchill) Gladstanes
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