Just went into Birmingham Midshires site and it says i need a independant mortage advisor to get a mortgage through them. Now when I went with the Broker almost 2 years ago they said they would contact us at the end of the 2 year deal with GE moneyy and find us an even better mortgage deal with someone else . Would i have to pay the broker a fee again then I don't want to make any more stupid mistakes in my life i don't trust anybody because i've been stung so many times with regards to finance matters ?? Morgy

Thanks gizmo, will do that and see what comes up. Hi Nevo's if i didn't have young ish children and such a close familly i would bugger off somewhere like France, where there would be a better way of life for us because things are getting even tougher thanks for advise anything else you can think of let us know guys xx morgy

Hi everyone, Just thought i would let you know that i'm still waiting for news on the barrister, no news now for quite some timee but i'm sure i shall here something soon, hopefully. I would like a little help or push in the right direction with regards to another problem on the mortgage side of things. After leaving Kennsington almost 2 years ago I had my next mortgage with GE home lending (another shark i know) So fell into a little bit of difficulty this year and i have been charged about £1000.00 in charges (i pay the monthly mortgage payments 2 weeks behind every month ) so they charge me every month for the days i'm late in paying So the 2 year deal is up in Aug. (6.2%) What shall i do then, where sould i go ? Back to the broker i paid £1000.00 too to get the mortgage ?? If i stay with GE Money they are will be able to put the interest rate up to 2.6% above the bank of England base rate. I'm so fed up with everything at the moment and don't know what to do or how much extra i'll be paying for my mortgage We struggle at the momment as it is i'm worried now as Aug is nearing Any help or advise would be greatly appriciated Thanks Morgy

It is so so wrong The stories that people post on this web site , like your self just get worse every day It sickens me to even read them, so many people so much money taken from them. The massive financial burden, stress and heartache these companies cause people and there famillies is unbelieveable and day after day they just keep getting away with it. so wrong. I hope you gat some justice woodwa5 too x Morgy

Thanks so much Lellypea,and aothers for the continued support x I'll just hang on a bit longer to see the out come on this appeal or untill i get another letter, i cannot give them what i have not got, i don't really know how it works,i certainly could not borrow any money to pay them. But i'm hoping to get some good news soon from the Barrister. Fingers crossed and i shall pm you soon as. Morgy xx

Hi guys sent all the bits off 2 weeks ago to the barrister, still heard nothing yet. A little concerned about the letter i recieved 2 weeks ago from Drydens solicitors they advised me if i did not pay up by the 24th April they were going through the court to recover there costs, i'm not sure wether i should have contacted them or not Any thoughts ?

Thanks for the info Zoots, were getting a little bit of movement now, sending all the documants he requires today to the barrister at the given address. Fingers crossed everyone Morgy x

I hope we can get some justice for you too Blidge. Just recieved a letter from Drydens solicitors Please note that unless we recieve your satisfactory proposals to repay the judgement debt by 4pm on the 26th April 2007, our client will have no alternative but to enforce the judgement debt through the court. A couple of days ago I recieved a letter from Drydens (for the secound time) requesting, could they have a copy of the transcript There having a laugh! Not sure what to do now with this any thoughts

Thanks guys, I'm just waiting for some news from the solicitor. It's taking some time but hopefully I should here somthing very soon i'll keep everybody updated soon as x

Hi blidge, Seeking some advise and having my transcript and appeal letter ok'd taking a little time but hopefully it will be worth it then it's off to the court with the appeal we go. So it's all a bit of a waiting game again x.

Bona I shall do that hun, cheeky buggers Just recieved the transcript and will have a look over that and relive the nightmare of that day I am really in a pickle about the paypal thing and donations that people have supportedly said they would contribute but Do I set an account up and ask for help or not ?? I know I need the help and it is hard to ask for people's help when they have very little money themselves to give What shall I do ? Whats people's thoughts ? shall I wait and see if we can get the fighting fund off the ground Help! X Anybody wants to see the transcript let me knowand I shall e-mail I think this is ok to do. Is it? x

Hi guys, Sorry Iv'e been out of touch for a couple of days HALF TERM bloody nightmare with three kids roll on next week! Zoot just posted you my e-mail address hun Also recieved a letter from the solicitors today, The court had informed them that I was awaiting the transcript and could they possibley have a copy of it and they would pay for any photocopying that had to be done Morgy x

Hi Lellypea, Your lovley you made me laugh then I need help alright! (so my husband says) No bloody transcript, awaiting the court to approve it.Bloody rediculous I'm gonna ring the court tommorrow and find out whats happening and fill you all in when I do, any day now I sould imagine. Hi Zoot are you ok hun? No time limit on the letter which is a good thing, I think x

Hi all, Ive recieved a letter from the court this morning To seek permission from his honour, it is unnecesary for you to complete an Appellant's Notice at this stage but you do need to set out the grounds on which you wish to appeal. If you file grounds the Judge will consider the application as an application made out of time. Alternativley, you can seek permission to appeal from the court above, i.e. The High Court. You will need to complete aelant's Notice to seek permission from the High Court and a copy is enclosed. You will need to file that notice here with the appropriate fee. Any thoughts anybody x

The people on this forum are just fantastic arn't they I shall do what I can to help Zoot At the moment I'l see what I can find on Kensington/MAS

I am so sorry Alison I don't know what happened here but missed this one. Only just read the post this morning would have lent me support 100% am I too late to be involved or can I do anything to support this in any way please let me know Morgy x

Hi hulsevictoria, I'm ok a bit fed up transcript ready now so I shall get that in a day or two so we will see what we have got to go on with that. Absolutly fab news in the Express, also had a call off my dad to say there was an article in another news paper simular to above and he shall pop it up tonight so I'll post when I have read it. Get started on the others who owe you money and you may have a fab summer yet to come M x speak later

Hi, Bona it's on page 9 hun hope this is enough info. Also rang courts today and asked for advise on extending the time for the appeal, spoke to a lady who said I did not have to wait untill transcript comes through just send a simple fax as the cut off point was tommorrow I explained that we needed information form the transcript to know what grounds to appeal on,she advisedd just send over a fax stating you wish to appeal. So this is what I wrote. I wish to appeal as per the order of Judge G Hickingbottom dated the 22 nd January 2007 Please would you advise if you require an appellants notice to be completed or wether any other information is required at this time. any comments guys?

Hi Bona, Yes they did give me a breakdown,I think I posted the breakdown on page 11 or 12 have a look at it for me and let me know what you think. x Also rang transcript lady last night and she has not recieved it back from the courts yet, so she gave me the courts section managers direct line and I have left a message at 5.00pm last night for her to contact me back. this morning. I think I am going to ask for a extention on the 14 days,due to the delay in transcript What do you think guys. M x

Hi Guys, Recieved a letter from court this morning Upon hearing the Claimant in person and Counsel for the defendant IT IS ORDERED THAT 1. The calim be struck out 2. There be Judgement for the Defendant on the Counterclaim in the sum of £4,558.30 3. Save for paragraph 2 hereof, there be no order for costs. 4. The time permission to appeal be extended to 4pm on 31st January 2007 No sign of the transcript as yet. Could somebody explain point 3 to me please

Will ring transcript lady tommorrow and chase, Could somebody please help me with an appeal letter, if possible sorry to call on you guys but really need the help thanks x

Hi guys, Sorry been out all day just got in. Lady rang me from transcipt place earlier to advise she has sent the judgement back to the court today for the judge's approval so I should get it within the next couple of days. Shall we get this letter of appeal started or shall we hang fire another day or two? help!

Hi to all , How are you all doing,can't wait to get the ball rolling again but awaiting on the bloody transcipt. Thanks again for the comments and support some fantastic people on this site with the lovley kind words and thoughts people post to me and others you are all truley wonderful people. Shall I still hang on for the transcipt before writing a letter of appeal (which i'm sure you will help me with because i havn't got a clue what to say) Do we all think this is the right thing to do? M x

Hi Rbrears If everybody thinks I should then yes and I would like to very much, but have a few doubts about the risks involved , as I do not know the system and what i am likley to face again I certainly could not appeal without a legal representative (but obviously costs are an issue) What do you think rbrears? Do you think I should appeal regardless of the Transcript or hang on for that and then decide M

Hey Zoot, Drydens were the solicitors and I believe Preistley1965 who went to court Friday were also using drydens I do Believe they sent a Barristar too. Priestley1965 said in his post that the barristar gave him a bundle of docs before the cmc, thats what drydens did to me M