Conciddering the state of the banks and how much the government have bailed them out by he may have to throw him self on the mercy of the courts or at least show willing that its gatting paid or he is attempting to pay they have some front reposesssing people out of their houses hopfully when my case comes up it will have some effect on hoe the law is applyied to matters such as reposessions as I am still at it and had a good result last week in the county court how much equity is left in the abode who are the mortgage company how many applications are there to reposess what is the interest rate that they are charging in comparison with the current interest rates Are they capitalizing the legal costs as areares Get every thing in writing EVERY THING I am in the middle of mine the only help you are going to get is to help your self of keep making a noise on this or related sites I wish you all the luck but you will have to be more spacific in your request and without seeing a whole file and having a compleat history of events its guess work keep all papperwork tydy and together in date order comunicate constantly with them negotate get it added to the end of the term effectively remorgage the arres go but keep up with the payments point out that there is little proft in it try to sell on todays market rent it out to get the arears payed off assigne a lease DON NO IGNORE ANY CORRISPONDENCE REPLY TO IT ALL s stay calm and dispationate when addressing the judge WORK OUT IT IS YOU WANT TO ASK I understand the desparation you must be going through so a conciddered approach wold be of bennifit to your self and any one offering advice as my boyfriend has got into trouble Blaa details are what the judges go on and the rule of law go to the cab speak to debt counslers do not take it on on your own unless you have a really strong ground so stand on so if you want any advice you will have to furnish the out line with exact and precise details to the penny dont take life too seriously its only a house there is life after reposesion I know it can really Fu*k you up in the process all the best

Thanks but my intentions are to burn the motgage company in county court and finaly in the high court as what they did to me was grossly unfair and they have done it to othrers the law has a statute of limitations and the 1974 cca has another 9.5 years to run it my right to invoke this law and have the case reexammaned in the high court It could be a stand alone case that sets a precedent that breaches the otherwise inpenitrable wall they put up as their defence so it may appear I am up 32000 they have nort payed for what they have done as I was to all intence and pourpose repossed being some 4000 in advance not dead yet look up the 1974 cca 137-140 extortionate bargans

Please baer with me I have A head injury I was Ambulance chased, miss sold my mortgage along with the ppi and the endowment ,Having a head injury the interest rate went through the roof I was charged over charged these charges were bundeleld up as arrears I was taken to court I payed I not only payed but I payed of nearly half my mortgage in one go asking for a holiday so as to get my finances back in order with in months they were at it again two lots of court proccedings a money order for £34,000 the property was disposed of 11 years later a DCA come lookin for me and start to harrass me I found the original file and read it I was rooked the mortgage company had added some £57,000 in charges now I have been contacted by an agent of morgage company I have put up a realy spirited defence the agent after a bit of harrassment I bit back as I have insgated a small claims procdure as i have been contacted by an agent of a mortgage company whohave been grossly unfair and have abused their possition over me and have givven me some form of transaction history wich is new evedence my health was poor as I had been in an horrific head on months and months in hospital was sold the mortgage while on incapacaty benifit they allowed arrears while I was waiting for the court to decide how much I was going to get in compensation They kept the presure up had to accsept a lower sum or I would have been reposseded the juge was totaly unsympathtec and gave them an order I paied off all the arrears and half the mortgage with a little one on the way I had arrangeed or so I thought a holiday break from mortgage within 18 days I was in arrears diespite just paying some £17,000 clearing the smaller linked account and making a substantial amount from the main account with in a short period of time the charges started back into court and was reposesed I was not in negative equity I owed £19,000 on a £73,000 flat they had made up charges the juge was again unsympathetic dispite making every effort to pay mortgage as th interest rate was through the roof my remidey was to bring the sum down so it was an affordable amount the oridginal mortgage company was taken over by another a worse one whos determination to reposess was greater and there was no communicating with them as they had bought the mortgae for peanuts it was chaeper to reposess and sell on rather than take £195 a month or so as i now have been troubled by them through an agent and there has been a transaction etc and the history etc etc I want to reopen the case under the 1974 cca 137-140 extortionate bargans as it is still within the statute of limitations according to the DCA The DCA Is being sued for causing me costs, vexation anguish and distress their solisitors are jumping they dont like it as this is all being done with out leave of the court

please bare with me I have a head injury and am dylxeic as I tried to contact this site before and the only reply I got was A snotty engish teacher:confused: I had a motgage and was reposesed thats another story wich I shall return to. Any how the abode was dissposed of for far less than market value advertised as a one bed abode never the less it sold 11 years pss and I ma just getting over the orriginal insult and mid December they start to persue me for the rest of the sum owing which according to the fiction they sent me £32000 + compound +costs this spun me out and I nearly did my self in I went to the cab to get help an their advice was how do you want to resolve thids debt. Like roll over and play dead It caused me some troublr but I found my file and at the very end of it it says no costs to be payed with out leave of the court So I go back to the DCA and tell em to find me final judgment particulars of claim one or two other red herrings they couddnt produce a final jugment there has been no final determination the debt that was owed was £19000 they have hit me wit Some £57000 legal costs to reposess me BAAAAA there is more I have just instigated small claims proccedings against DCA I need the postal address of a DCA all concerned will not help as the fire is burning back as it was the DCA that has reignited the case as I have put up a spirited defence they dropped the £32000 saying you owe nothing we will not pursue the matter any further this must be a linked trans action as if I owed £32000+ compound +costs and now I dont mmmmmm and have been troubled by an agent they have given me a transaction history new evidence plus mortgage comp being grossly unfair and abusing thier possition over me with an abuse of process charges ETC the ocal solicitors eyes glaze over it is too much for them there is too uch to put down in an email no court costs as on incap ambulance chased missold mort ppi endowment charged over charred took to court payed over half the mortgagfe of in one hit and asked for a period of rest from there harrssment 2nd lot of court costs repossed steem rollered And it starts again 11 years later :mad::mad: NEED A DIRECTION TO GO IN TO SPEAK As they have said I owe nothing or their client is not pessuing this matter it any further that means it must be a form of transaction So not only have I been contacted there has been a transaction of sum sorts now according to the 1974 cca 137-140 it states "any transaction" as I wish to go back to court and have another go several goes as th land was registerd in my name and I had assinged a leases I am due some back rent under the law of propertys acts 1925 rule 141I neeed to have dialog with someone who has a bit of experiance with the 1974 cca 137-140 they are doing this with out leave of the court ther for it must be unlawful harrasment they have produced a transaction history that my accountant pulled apart I want my money back, my flat back , them to pay for what they took from me and damiges it is fesabley possibul to do this I just need a little help