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About recourse

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  1. I am currently at an impasse with GE with my mortgage having been diagnosed with Multiple Myeloma in October and awaiting a stem cell transplant. I have been gathering details of all the charges that have been imposed on my mortgage account, which total over £4000, with a view to going after them for these costs. I have today received a letter saying they have transferred my mortgage to Engage Credit. Two things. One, are they the henchmen? Does anyone have any experience of them? And two, do I still have a case to reclaim the unfair penalty charges given the transfer? Thanks in
  2. One turned up initially, and he was then joined by the other two. One of the two who joined him then took control and did his level best to intimidate me. And no, I have not received, and still have no paperwork or letters relating to this company. I also asked for their names and any registration number/ID number which got a sarcastic response and they left without giving their names at all. They are new to the local council as agents apparently. Maybe they are eager to impress
  3. thank you nothing was taken down. No forms were evidenced at all. They didn't leave any documentation either. They were the most unprofessional bunch I've ever had the misfortune to deal with. I'm still a bit shocked by how it all unfolded to be honest.
  4. I have today had a dreadful experience at the hands of Julious bailiffs, acting to collect a council tax debt. I was diagnosed with Cancer in October and it caused major kidney damage and left me for the forseeable future confined to a back brace and walking frame/wheelchair. I was in bed, half asleep and my mother was downstairs making some food for me when a man let himself in, calling himself an officer of the court. I have never received any correspondence from these people. I told him of my illness and the fact that I had a claim in with the council for assista
  5. It is a charge levied monthly when you are in arrears. They claim to hold the charge if an arrangement is in place, but don't actually seem to bother.
  6. yes, suspended possession order in 2008, and they filed for eviction in 2010, which I took to court and overturned.
  7. I am about to embark on reclaiming my charges from GE Money, and would appreciate a little assistance. I have attached a quarterly update from them, which helpfully lists charges to date. I have told them what I am planning to do when dealing with a separate complaint and they sent me a statement of all charges. the breakdown is as follows Solicitor Legal Fees 885.99 Debt Couns Visit 88.13 DD recall chg x7 175.00 Default Notice charge (2) 65.00 Admin Fees 1280.00 TOTAL
  8. I did say it was an ongoing situation!!! Well, they today accepted my offer of £25 per week over the phone. They also, however, accused me of lying about the behaviour of the bailiffs! The man clearly said "I don't believe that bailiffs are breaking the law, and even if they are, your issue is with them, not us" He also said he didn't believe that they added extra information in writing in their letters, and maintained that the bailiff company are acting perfectly legally in requesting information and threatening me with prison if I do not provide the inform
  9. I have been struggling financially for a number of years and always fall of our local council. Partly because I'm with an aggressive mortgage lender (GE Money) who have a suspended possession order over my property. They employ the wonderful people at Rossendales, , which seems to get worse with each passing year. I have never let them into my home, and yet hand delivered letters drop through the door, usually with "if you don't call me, I'll come back and break in" written in pen on the bottom of the letter. I have met these people on my driveway and pointed out that my wi
  10. I have a mortgage with GE Money and fell into serious arrears in 2008, at which point they gained a Suspended Possession Order. Further problems led to an eviction date, which I successfully overturned with the help of the good people on this forum. I paid almost three years without any problems, and then missed three payments, April, May, June of this year. Payment is 358 per month Their treatment of me has been nothing short of scandalous. Every adviser you speak to tells a different story. The first one in July told me I could not have an authorised arrangement unless I paid
  11. I have a mortgage with the above mentioned shower. I fell into arrears in 2007 and they obtained a suspended possession order. On defaulting that, they got an eviction date in September 2010, which I successfully overturned, and went on to make 30 payments, during which time GE capitalised my arrears. I have fallen on hard times again and have a couple of questions. The mortgage payment is circa £360 per month and I have arrears of £1288 They put an arrangement in place for August to pay £400, which I did. I received a letter yesterday saying I had broken th
  12. yes, the full and final settlement was made in writing prior to payment....yes, everything was agreed correctly at the creditors meeting....and no, he knew nothing of the CCJ until it had been lodged Thank you
  13. A friend did a lump sum full and final settlement IVA in 2006 through PKF. Since then, a CCJ has been lodged by one of the creditors, and others are still chasing debt and telling him that the debt is live and still owed. What are his rights in respect of this? Surely this isn't correct or legal? Thank you
  14. hi all update, and sorry if this now belongs in another thread The bailiffs ignored all of my correspondence, but I also ignored theirs....result being a letter has dropped through the door this morning from the council demanding full payment of £1201.86 or suitable repayment proposals or they will apply for my wife's committal to prison. Any ideas what kind of term is considered suitable? or more directly, how much I have to offer for them to accept? I can probably afford £100 per month at a real push...is this likely to be quick enough for them? If a committal to prison d
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