Thanks alot, Ive sent them a letter today so heres hoping all will be resolved will keep you all posted :0)

Anyone???

I have a mortgage from Bank of Scotland which I've had for almost 8 years now and had in past been in arrears minimum and always cleared them. Past 2 or three months money has been an issue due to work problems and reduction in tax credits etc. I have got in arrears they arent a great huge amount, I have managed to pay full payments month then miss then make up again. I have had problems this month and unable to pay which now takes the arrears back up to 445.00. I have now sat down and worked out all my income etc and can start from scratch with monthly payments are normal from October 2011 with addition payments of £20.00 forthnightly towards the arrears. Do you think they will accept have the few arrangements I've had and broken? Or will they now start procedings and if so how long does it all take? Im very worried. Thanks so much in advance and would appreciate a quick reply I seriously need to calm these nerves. Thanks

I have a mortgage from bank of scotland which I've had for almost 8 years now and had in past been in arrears minimum and always cleared them. Past 2 or three months money has been an issue due to work problems and reduction in tax credits etc. I have got in arrears they arent a great huge amount, I have managed to pay full payments month then miss then make up again. I have had problems this month and unable to pay which now takes the arrears back up to 445.00. I have now sat down and worked out all my income etc and can start from scratch with monthly payments are normal from October 2011 with addition payments of £20.00 forthnightly towards the arrears. Do you think they will accept have the few arrangements I've had and broken? Or will they now start procedings and if so how long does it all take? Im very worried. Thanks so much in advance and would appreciate a quick reply I seriously need to calm these nerves. Thanks

Yes we are in Scotland

Thank you. So the letter i recieved today accepting the double payment for April and continuning with monthly payments does it mean they will still try reposses and add default? Dont make sense if they ahve confirmed acceptance of payments? Thanks

Hi everyone, I missed my montly payment in March which put me in arrears (already had one month in arrears) totally to a silly amount of £283.13, I sent a letter end of march offering to pay an additional one months amount with my direct debit with April payment. I got two letters today detailing below (sorry if its long) We write to advise that there are arrears on your account as state above. Please note ther we are unwiling to allow these to reamin, and require you to contact this office to make a Debit card payment or alternatively forward a cheque to clear the oustanding balance within the next 7 days. If you are not in a position to do this then you should forward your alternatie proposals in order that we may consider them. We take this opportunity to remind you that we will charge you interest on a compound basis if you fail to make all or party of a monthly payment in the calendar month to which the monthly payment relates. We will not be obliged to recalculate the monthly payment if the total increases for this reason. THIS PARAGRAPH IS WHAT IM ENQUIREING ABOUT ...... "If we reposses your property, we will send dtails to the council of mortgate lender's posesssions register which is passed to credit reference agencies. They will record this informartion agains you personally. This means the informaiton will be avaliable to other lenders and may mean you cannot borrow money from other lenders! Is this paragraph jsut a standard thing they put on letters? It is it the thought see the "If we reposses". I got another letter today as well as this one, accepting the offer of additional monthly payment but again at bottom of the letter details this paragrapht. Any advice would be agreatly appreciated... (Its a Bank of Scot mortg) Thanks in Advance

I have emailed them complaining of my branch and their attitude and asking me to try get another loan to settle welcome account unreal they are! And also currently paying of arrears which stand at £217 then Ill have to miss this months but will keep paying the £57 weekly payment hopefully headoffice will accept this. IVe asked headoffice to take over my account and ill deal with them only Hope it works

How quick are the responses to emails to Welcomes [email protected] address? Ive emailed them with regards to my account wishing it be dealt with via headoffice and complaining about the branch manners and also discussing offers of payments with regards to my account. THanks

They have not yet contacted me so i am assuming by tomorrow or tuesday my acount will have been moved to collections so will try my best to keep my accounts :0) thanks for your advice and on the charges note i think i will maybe look in to that thanks

Me and my partner have a seprate account each with RBS and 2 Joint accounts with them. In 2008/9 I had lost my job and had got in to some difficulty with them thru charges etc on my account, for several months we had several repayments plans, however in the end in 2009 i got a loan with them to clear of my overdraft and bring account up to date which we did and all was fine, then charges happened again and it was agreed a new overdraft of £300 was added to myaccount, this has been for almost 7/8 months now and have been in control of it. But now on my other account they paid a direct debit (when I had no funds) so that account is overdrawn and my loan payment has been missed. The reason for my question is they told me if this happened again they would have to default my account and we will have to bank elsewhere will they do this automatically and freeze our accounts and money? Thanks

I managed to fax it to them at 5pm today so no doubt they will call me tomorrow I know they are opened from tomorrow till friday so heres hoping they are ok with it, they will have to be otherwise they wont get anything lol!!!

Any advice? Thanks

Dear Sirs, With regards to my future payments it was agreed a payment of £129.85 would be made on 31st December 2010 along side a monthly payment of £269.85. Unfortunately I will be unable to do this due to NON PAYMENT of benefits which are now currently being disputed. I will however make payments as proposed below:- Friday 31st December 2010 - £50.00 Card Payment (Details Below) Friday 14th January 2011 - £57.00 Card Payment Friday 21st January 2011 - £57.00 Card Payment Friday 28th January 2011 - £57.00 Card Payment Monday 31st January 2011 - £269.85 (January Monthly Payment) Card Payment Friday 7th February 2011 - £57.00 Card Payment Friday 14th February 2011 - £57.00 Card Payment Friday 21st February 2011 - £57.00 Card Payment Arrears by 21st February 2011 will then be cleared. Friday 31st January 2011 payment I authorise you to take the amount of £50.00 towards my account. I will be away on leave up North from Wednesday 29th December 2010 till after New Year. If you need to contact me with regards to the above you will be able to by calling my mobile number otherwise no home contact will be available till 3rd January 2011. I understand you will need to contact me on 14th February 2011 in order to collect card details and store them for future payments:- Please advise you have stored all of the above on system and confirm this is agreed. I look forward to your call on Friday 31st December to confirm and accept payment of £50.00. Kind Regards,

Ive won two ppi claims from them and been waiting a year to try get the last one but not had any correspondance from Ismart who we used for first two. Had a strange letter the other week from welcome asking if i wish for them to investigate complaint again then to sign form and send it back (not done yet) but unsure why they sending me stuff and not the third party i orginally used????