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  1. Ive sent everything I had. Ombudsman tell me they can only look at final response from Engage(who currently have my account). I think this will include previous charges though, since my whole account was simply transferred to Engage from GE
  2. I had a final reply from Engage. kindly offered to reduce balance by £80 for 2 months fees charges. I ve sent it to the Ombudsman
  3. Can't seem to upload a document at present. I am working mainly from the "Fees charged statement" sent by Engage. There is additional interest added to my monthly outstanding mortgage so this seems to be interest added to the fees balance. What is my next step please?
  4. Sorry, I'm just a bit thick !! Should I take out all the additional interest items and add in agents fees.? What then? Yes Annual rate is 2.99% Any idea what reactive fee due(LRO) means?
  5. Thanks for looking DX. I added the interest rate at the top of the paperwork received from Engage. They have added additional interest to my fees balance every mnoth. This is what has made it so high. I'm just a bit confused at present
  6. Does this look ok? Why have all this additional interest been charged? Ive not claimed for solicitor fees or Field agent visits. Is that correct? What next? CISheet v101.xls
  7. I have all my previous statements anyway. The details from Engage seem clearer since they only relate to charges applied to the fees balance
  8. My mortgage was with GE Money before it was sold to Engage . I've worked hard to reduce £25k arrears to less than £10k. I have a fees balance of £16k. I would obviously like to reduce this as much as possible. The current mortgage company have sent me a list of charges incurred. What can I reclaim? There are a number of £40 admin fees, recalled DD charges and a great deal of additional interest added. I thought interest shouldn't be charged on charges. What is my next step?
  9. Many thanks. I've had yet another letter to request payment. I'll ignore meantime
  10. Earlier in the year it was Shoosmiths who pursued this through the court and subsequently sisted it. The letter I have received today is from Ascent Legal. Says they've been appointed by Cabot and I should no longer contact Cabot(like I was going to!!!) Question is .... ignore and let them find all this for themselves or simply restate my position>
  11. In a way, I would like to see a Sheriff's opinion. This debt has been last paid in November 2009, sold to Cabot and has no second charge on property. Absolutely no longer a secured loan!!
  12. The new solicitor now tells me that my debt is not statute barred since it is a contract under seal!!!!!!!!. They seem to have failed to notice that court has already sisted. I will completely ignore them but just wanted to see if anyone had an opinion
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