My brother is struggling to pay his mortgage and cannot meet this months payment, he is already £3000 in arrears although he did pay up until last months payment. As he fell into these arrears last year and went to court he was put on a suspended possesion order as long as he continued to pay...which he has done up until now, except he has not cleared any of the arrears. My question is if the mortgage company issue him with a default for this month and as he cant pay how long will it take for them to take him to court and get him out of the house?

Havn`t heard anything re; Welcome as yet but my solicitors are closed till the 5th Jan so hopefully we will set the ball rolling again!

Hi Post, I got a capital one card for improving my credit rating too, they told me they would increase credit limit after 4 monthly payments, I have made 3 so not sure if they will or not yet. Are you making the minimum payment only? Your balance never really goes down with min payments so that could be why they are not increasing your credit limit.

I totally agree! I am currently taking legal action against welcome too.

Not at all!

Thanks Edz11! I`ll get a letter done asap and keep you updated. Hopefully I may get my £600 back

Hi, Thanks Hippy Chick! I dont really have proof that it was refunded onto ex`s card although they only have to check the records to see where the payment went. Regal Credit know the payment never came to me but they said because I was the one who made the booking I was responsible. They said I would be taken to court and incur more charges so I just agreed to pay.

bump

I know I shouldnt have paid. I would be grateful if anyone on here could help me with a good letter to send to them please.

I have paid £600 back - £500 still owing. They said as the booking was in my name the debt belongs to me. I didnt want to get taken to court so I agreed to pay....but I`m getting sick of it now!

About 2 1/2 years ago I booked a holiday (in my name) with my now ex partner but we cancelled it and asked for a refund when we split. They refunded £1,100 back on to my ex partners debit card and i didnt have any more contact with him. Then the following april I recieved a letter from the holiday company saying when they were doing their end of year accounts they noticed they had paid the £1,100 on the card twice and I have to pay it back, I ignored the letter thinking they would just apply to his card but then Regal Credit got involved a year ago, so as the booking was in my name I agreed £10 per week which I have ben paying ever since. It is becoming too much for me to pay now and so I rang them and asked for it to be reduced to £5 but they wont budge. Do I have to pay anything at all since it was not refunded to me in the first place? And who are Regal Credit ? Have they bought the debt or do they collect on behalf of the client?

Will do, thanks!

Thanks curlyben, they did say in the letter that unless contact was made to arrange payment they would issue proceedings....do you think they are just trying it on?

Ha! Good one! Seriously though does anyone have a link to a template letter for this sort of thing plz?

Just as I thought! :grin: Can any one help me with a response to Cabot please?

recieved a letter from cabot along with this cca saying as they have complied with request the debt is now enforceable. Would someone take a look at this please and see if it is because it has application form stamped on it. Thanks

Yes it does, thanks!

Sent cca request 22nd Oct so it has now been 24 days. Is the rule 12 days then an extra 30 (42 in total) or they have to supply it within 30 days? What happens once the time limit is up?

I know, cant wait!

Thanks for al that, it has really helped! My default is 5 1/2 years old but I only found out about it when I purchased my credit file, so only just satified it although they have marked it as being satisfied in 2002!

Thanks Paul, I did write to them and ask them to remove it but they basically told me to bog off!

My one and only default has been marked satified. Is this just as bad as having the default? I have a vanquis card with extremely HIGH interest that I got to help rebuild my credit and was wondering now the default is satified would any low interest credit cards accept me on a balance transfer or do I still have a poor credit rating till its gone completley?

My friend was in same position with these people over NR loan. Advisor was very nasty on phone, she offered him £40 a month for a 33k debt he said no we can force sale. I wrote a letter of complaint for her and she recieved a reply yesterday with an apology and acceptance of the £40! Dont even speak to them on the phone or if you do tape the call as the advisor who was nasty denied everything and link said there was no way one of there advisors would say they can force sale as that is not there policy

will post cca agan when edited

They have closed the account but wont remove the default even though I never recieved a default notice and they say they or the OC dont have a default notice. I just thought if there were any problems with the cca I could get them to remove default from my file.