Any advice anyone?

ta DX but what does this have to do with Swift?

Some help please from some one in the know. My wife has a motory nuerone disease and as aresult we find ourselves 7k in arrears. When we remortgaged an spml and an spl loan together into one mortgagei with spml, we were charged £10k erc and have been charged £60 per month management fees. I am now clutching at straws I know , but is this legal and if not , how will I go about pointing this out to them. I have had no court threats but the" man who can help for £100" is coming round soon. Oh, and it was also a self cert and interest only. With all I have to do with my wife and maintaining a full time job, I am seriously considering using a claims company. Also , who is ultimatley responsible for the selling of the mortgage? The agent, (now none existent) or SPML themsleves. Thanks Mik

Some help please from some one in the know. My wife has a motory nuerone disease and as aresult we find ourselves 7k in arrears. When we remortgaged an spml and an spl loan together into one mortgage with spml, we were charged £10k erc. I am now clutching at straws I know , but is this legal and if not , how will I go about pointing this out to them. I have had no court threats but the" man who can help for £100" is coming round soon. Oh and it was also a self cert. Thanks Mik

Usually between 21 and 25 days, they will put funds on the card if you are in the red and pay the remainder out by cheque within 14 days.

But it does say" If you AND the defendent agree." Iwonder if you can refuse the stay:confused:

Lifted from the court services website: If I think I may be able to settle the case without a trial, what can I do? If you and the defendant agree, you can use the allocation questionnaire to ask the judge to allow the proceedings to be 'stayed' (halted) for one month while you attempt to settle your dispute. You can do this by either talking to the defendant or asking another person to help. This person may be an expert, mediator or an arbitrator. If the judge approves your request, the proceedings will be stayed for a period of one month. You will receive an order setting out the date until which the claim is stayed. The order will tell you what you must do at the end of the stay, for example: notify the court that the matter is settled; or request an extension of the stay period; or tell the court that no settlement has been reached (so that the process of allocation to track can begin). An extension to a stay will generally be no more than one month and you must explain, when you apply, who is helping with your attempt to settle and why you need further time. I think maybe lynne that cap one have their wires crossed over your 2 claims. Either that or the buggers have found another way to stretch out the process on the off chance of a new ruling. I hope not as im about 5 days behind you. ANY LEGAL BEAKS HELP!!!!!!!

Fun boy , I am one day ahead of you, papers served on the 8th May and defence lodged on the 11th. Nice bank holiday weekend coming up , heres hoping:) .On reading threads it seems to be a 21 day turnaround from serving to full offer. Also when cap one agree to pay out , could anyone let me know how long it has taken them to get the funds back on their card? Thanks. (I am just over my limit but am refusing to pay until this is settled) Oh and DOO any sign of your cheque yet? Well done.