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scorpio stu

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About scorpio stu

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  1. Thanks Ell-enn , sorry I haven't replied recently but have been away working.I have just recieved an email from the solicitors stating they have passed the file to Santander for consideration of capitalisation. We have been told by the solicitor that there is generaly no problems with Santander agreeing to this. They have also said that the suspended possesion order will last for the term of the mortgage,but the ordered amount only needs to be paid if the account is in litigation ? I'm confused , I wish they would explain this in plain English.Surely if the arrears are capitalised they are the
  2. An update on the situation. We are now one payment off meeting the full mortgage plus the interest and agreed £100 per month extra. They have agreed that once the next payment is made on time they will consolidate thearrears onto the mortgage and legaly will be arrears free. Two questions if anyone knows 1. Does the suspended posession order get wiped out and ifso how do we arrange that 2. Has anyone in their experience been able to do a fixed rate mortgage with the bank after that is registered clear from arrear's ? it would just mean we know where we stand and not possibly get in the s
  3. hanks Ellenn, Just spoken to The solicitor again. Funny how it can make such a huge difference who you speak to..first was a robot and this lady empathised and knew exactly what I was talking about. I did explain the situation and she said the best bet is to go back to the court and have a word with the advisor there to explain. She said it is quite common for this to happen and I said well why don't you make it clearer then ratehr than putting more stress in to the pot. She said that if we go back to court and explain they will accept the reduced payment of£50 and can pretty much guarante
  4. hanks Ellenn, Just spoken to The solicitor again. Funny how it can make such a huge difference who you speak to..first was a robot and this lady empathised and knew exactly what I was talking about. I did explain the situation and she said the best bet is to go back to the court and have a word with the advisor there to explain. She said it is quite common for this to happen and I said well why don't you make it clearer then ratehr than putting more stress in to the pot. She said that if we go back to court and explain they will accept the reduced payment of£50 and can pretty much guarante
  5. Firstly we do not have a dd set up , I have it on a bill payment which means that the time my wages go into the my account the mortgage is taken immediately rather than waiting for a dd to go through which we find unreliable.
  6. Firstly we do not have a dd set up , I have it on a bill payment which means that the time my wages go into the my account the mortgage is taken immediately rather than waiting for a dd to go through which we find unreliable.
  7. We have recieved a letter today stating 'We write with reference to the direct debit that is set up on the account. Please note that the current direct debit is not collecting interest on the arrears,which is included in the contractual monthly instalment.If you do not contact our offices wihin seven days from the date of this leter we will request Santander to increase the direct debit to collect the correct amount to prevent the arrears increasing. When I was in court this was never mentioned , all that was spoken about was the contractual monthly payment plus £100 per month to be pai
  8. We have recieved a letter today stating 'We write with reference to the direct debit that is set up on the account. Please note that the current direct debit is not collecting interest on the arrears,which is included in the contractual monthly instalment.If you do not contact our offices wihin seven days from the date of this leter we will request Santander to increase the direct debit to collect the correct amount to prevent the arrears increasing. When I was in court this was never mentioned , all that was spoken about was the contractual monthly payment plus £100 per month to be pai
  9. If something was produced in court like a statement pack from the other side am I legally allowed to have a copy of it ?
  10. If something was produced in court like a statement pack from the other side am I legally allowed to have a copy of it ?
  11. Firstly, I must apologise for posting so late but had a family meal and it slipped my mind. Well, Ellen you were right ! I went into a court room (more of a very large office) and there was a judge and a scribe sitting at one end at a desk then a desk in front of his and a large table that I and the Santander representative sat at. She was very polite and had come up to me in the waiting area and introduced herself and ran through the order of play and asked if I had any questions and also went through the offer that we had made of the contractual amount plus £100 per month and that we wer
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