Lindsey0796
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Posts posted by Lindsey0796
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Directors name Ashley Jones as far as we know, but it seems the staff know very little!
We were not aware before xmas, they through a huge xmas party for us at Worcester Rugby Club 2 weeks before xmas.
Tele appointers and staff on probabtion were laid off w/c 04.01.2010, apparantly as a operating cost cutting exercise.
None of the Advent/Access staff have recieved their wages today!
Before xmas we were advised we could have 3 weeks paid overtime as we were doing so well and there was so much work. After the first lay off we were told we could only have a week. Then after we commited to the hours for that week we were advised they could not pay us and that if we did not do the overtime it did not look like you were supporting the company and you should consider yourself lucky to have a job, (basically threatened) that week I did over 50 hours for nothing!
Advent/Access had around 300 staff approx all owed anywhere between £1000 and £4000 wages! I would have rather had some wages today than a lie of an xmas party, thats for sure!
I have heard on the grapevine Computeach is the training advisor Barclays are hoping to change your training too. From what I know Computeach are independant and provide there own finance and have been around a very long time, alot of the staff actually came from computeach including the directors, so they are very strong company and appear to be weathering everything pretty well, they are also approved by the MOD as a forces approved provider so you should be pretty safe with them.
Hi everyone,I spoke to an Advent trainer this morning for a good half an hour about this fiasco! I’m a student (only 14 months into the course) and I’ve paid off 6K to Barclays Partners Finance, spoke to them today and as previously mentioned they will send out a letter and be looking to switch my training elsewhere, which is a complete joke! This is a complete fob off, and the standards elsewhere could be even worse! I don’t trust Barclays on this one and I want my money back!! All say no to alternative training and demand your money back!
The Advent trainer had the following to say:
- 80 sales staff laid off before xmas – early signs?
- Advent insolvency “nothing to do with the recession”
- High possibility of fraud going on :o)
- Recruited averagely 400 students a month with a turnover of £2million a month
- The director is called ASLEY JONES.
- “course is designed so students don’t complete the course which makes them more money”
He’s also probably going to get peanuts when it comes to pay day. He was very sympathetic and knew something was wrong earlier this week when the caterers were being paid in cash rather then BACS.
I’m from Manchester and if anyone knows where Robin Furness is I would like to know! – He’s not based in the Pricess st office apparently and has moved to king st 6 months ago.
Lindsey0796 thanks for you advise and help on here! Really appreciated
Anyone from Manchester on here? Lets talk and drown our sorrows L
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Lindsey, Welcome to Facebook | Facebook please join.
I have joined and just looked at it with my dad and I do agree with you, I dont even know who these people are!
I am very, very concerned!
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Lindsey, somebody who has access to the database of advent training has it on file his name is "Andrew Richard Allchurch" and he has 6 Businesses.
The names on my letter as directors of Advent Consulting Ltd are Ashley Jones and Ivor Allchurch.
We were also notified last year that Ashley would be the director and Ivor would be the chairman.
If what you guys are saying is true, then who has truly been screwed over, all of their staff that have not got the first idea clearly at what has been happening.
I came on the Advent forum to try and offer some help to those who need it as much as I do right now and I have no job and no training to fall back on!
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BBC News article stated that the MD of Advent was Ivor Allchurch. Suspicous as Companies House lists it as John Whitehead.
My Finance Agreement was with Anglo Capital Limited whose address is the same as Advent Computer Training / Advent Consulting.
According to Companies House, Anglo Capital changed its name to Access 2 Careers Limitedon 7th December 2009 at the same time that Advent CT limited changed its name to Advent Consulting.
This is all very suspicious and I hope there is some powerful action; legal or otherwise against Advent.
Also I know that last September Advent were pestering me to pay the lump sum (£3000) and to take out a credit card in order that they could have more money / liquidity. Which suggests to me that they knew the situation was not good as far back as September 2009.
I have correspondence evidencing that fact.
Consumer Direct informed me that:
1. If you cancel the direct debits from Anglo Capital / whoever is financing the course then YOU are in breach of contract.
2. In order to stop the payments you need to send Anglo Capital a letter stating that Advent have failed to provide the service they were contracted to. I'm sure Anglo Capital know this.
Anglo Capital should then stop all payments and/or provide you with a different training provider.
3. If Anglo Capital do not respond within 14 days then Consumer Direct should be contacted again.
4. In the letter you should state that Payments made from this date (date of letter) are made in protest.
So that any payments taken since that date can be reclaimed.
According to this:
WebCHeck - Select and Access Company Information
John Whitehead - whoever that is was appointed Director of Advent (Consulting) Limited in 2009.
Full details of the company:
WebCHeck - Select and Access Company Information
A Whois Lookup from the Access2Trade website:
For a company with no funds (as Lindsey claims) they seem to be very active and have no problem setting up multiple companies.
WebCHeck - Select and Access Company Information
I think that one may be related also. I am form Greater Manchester and would be VERY interested in some sort of joint legal action.
Info on Anglo Capital Ltd / Access 2 Careers:
WebCHeck - Select and Access Company Information
I don't think these are the actions of an honest company, individual or persons.
This is not a claim! It is exactly what we have been told. I also have no idea who John Whitehead is, which is very concerning as I have worked for the company for the last 16 months!
My employer is Advent Consulting Ltd and the two directors names I have on my letter only match one mentioned.
Just to make this clear, I have worked from the 1st January 2010 including 15 hours unpaid overtime and been laid off with the agreed guarnteed pay for 5 days of £21.50. I have a mortgage and am now out of a very good job and will probably have no wages until the practioner see fit to pay them to any of the staff and I now have to go and work filling lucky bags on minimum wage to pay my mortgage, so believe you me I have no vested interest in making claims I do not believe are true!
I have quoted the letters I have recieved over the last two weeks and also the information we were told on the 18th January 2010 when all of the training advisors were laid off!
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Also on a more serious note, the only company you really want your training switched to is Computeach, they now stand alone as Barclays did exactly the same to them last year, but as they had been around for a much longer time where able to weather the storm.
If Barclays changed your training provider please also check the following and if they are not registered with these companies they are not the equivelant:
Microsoft Gold Partner
CompTIA Learning Alliance Partner
Institute of IT Training Gold Standard Accredited Training Provider
Authorised Pearson View Test Centre
REC Member
Advent were at this level, therefore your new training provider should have to be too otherwise you should be able to say its not the same as the contract and you want your money back!
Dont forget these things to:
You had a no fail guarantee on your exams.
A careers team to assist you into work.
Free Phone Line.
Min 2 x training days per module.
All course work was from that govening body, for instance Microsoft. It was not skills train dare I say that provided people with Course work 2 years out of date and we ahd just introduced Microsoft Server 2008 and Windows 7 to the Certified Professional Programme.
Your new training provider must offer you these things!
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Much appreciated Lindsay.
So the best option for me who took the Barclays Partner Finance to do is phone them and ask where i stand?
Yes, get in touch with them as quickly as you can, if they had not withdrawn funding I would still be in a job and you would still be on your training course!
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PS neither of the directors are called Andrew Allchurch! I have no idea where this name has come from!
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I know just about as much officially as anyone can at this moment in time:
The directors of Advent are also the directors of Access, they are sister companies.
The following has happend to both Advent and Access:
17/12/2009 - Barclays Finance instead of releasing approx 3 million (yes you may not have know that, Advent/Access were not paid your money straight away it was released slowly & large amounts were held back to cover students that staterted the course and did not do the work and did not get a job and subsiquently did not pay Barclays back)for 2010 cash flow & instead advised that they were giving Advent/Access 6 to 9 months to find a new financer as they wished to withdraw from the training industry.
W/C 04/01/10 - Advent/Access had to start cutting operating costs by laying off tele appointers and some admin staff, however this was not enough. They intended to start their own finance company to no loner be dependant on another company and to allow more people in different situations to be able to study with us.
18/01/2010 - All training advisors were advised that Barclays Finance had withdrawn all finance full stop and there was now a cash flow situation as no money had been released.
19/01/2010 to 26/01/2010 - Advent/Access directors were in talks with Barclays Finance to prevent the complete closure of the business, at worst when I left they thought they would just stop new courses being offered and keep both training centres open for existing students to complete their training.
27/01/2010 - The directors were unable to secure ongoing funding and therefore are making arangements for the company to be placed into come form of insolvency process.
Staff have been advised to wait to hear from the insolvency practioner as to be fair from a business point of view there is nothing else the directors can do. Barclays have withdrawn all funding. The money is there for you to get it back, it was speculated that they were holding 6 million in total, thats why what has happend has happend.
If you are with Barclays Finance please, please contact them asap on the number that has been provided.
If you paid cash there is nothing you can do until the Insolvency Practitioner contacts you and they will contact you but may be with the next 7 days.
I would also like to point out to you to get the good deals with Barclays Finance we also had to pay them a fee for each finance package the students had. So it really isn't as cut and shut as poeple may think. Im a good person and got a real kick out of helping people get on the right track to get a new career and I am gutted for all of you and all of my colleges who are now facing redundancy with probably very little pay if any at all and now in exactly the same situation as you were when you came to us for help!
I hope this helps a little.
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Hi,
I was a training advisor at Advent (please dont give me abuse, I am in a orrible situation too). We had no idea what was going on until we were laid off on 18/01/2010 and have pretty much been kept in the dark until about 18:00 27/01/2010.
We will pobably not be paid this months wages or guaranteed lay off pay or the overtime we were more or less made to do the week before this happend.
I would like to give you some advice. Please get your Barclays finance agreement out and ring the number on there. The finance was withdrawn by Barclays and your finance for your course unless you paid cash is with Baclays not Advent. Barclays should offer to refund you any money paid or switch you to another training provided to complete your course.
If you have paid cash you will have to wait for the insolvency practitioner to contact you in writing and you will have to fill out a claim form and keep your fingers crossed just like us staff.
I wish I could help you further but we actually found out from the Adent website before anyone even bothered to text us! Talk about last to know......
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As far as I know you have to wait the 8 weeks to give them a fair chance to sort the complaint out (lol fair). Dont worry about the rant, I know exactly how you feel, most of the time it feels like you are hitting your head against a brick wall.
On the bright side though, I would like to let everyone know that this morning I spoke to R***, who seems to be the only person at Capstone that sticks to there word and as of the 1st September 2009 there will no longer be any monthly charges added to my account! So now I am just paying £100 per month off the £4500 worth of charges, all my actual mortage arrears are paid. I am still going to the FOS as I do think that these charges are not fair and also they have double charged me many times and not acknowledged it.
Who are the OC?
It will take a long time to win the war but at least things are starting to go in the right direction!
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hmmmm I have to say the response I have had is laughable. On the 12th August 2009 they sent a letter recieved the 14th August 2009 (date they had to respond to my complaint by) from one of the people listed in my complaint that I said was clearly not senior enough to deal with my account queries asking me to contact them as a matter of urgency regarding the outstanding arrears on my account!
No response about my complaint what so ever.
Today I have filled out my complaint to forward to the FOS & will be getting supporting docs copied through the week to support my complaint. I am hoping to forward my complaint to them at the end of the week.
I really do think their actions are literally unbelievable!
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Well guys, today is the day! I wonder if the postman will have delivered a reply to my complaint?
I will let you know on Monday.
Brassed off as far as I am aware and I am not an expert but after doing my research, charges cannot be classed as arrears as they are indeed charges on arrears and a completely seperate thing in their own right! They are a seperate thing to the money you have missed on your actual mortage and according to their charges list they do not have a standard charge they can charge you whilst you are paying the charges! If you have cleared the arrears then they cannot charge you for being in arrears anymore. This is what I am complaining about to the FOS, as I know they will keep charging me as they dont allocate your extra payments correctly, they allocate it against your charges first then the remainder against your arrears. This is what is unfair as it actually means they get to charge you a third more than they should by keeping you in arrears and making a profit out of a bad situation in that way is indeed unfair. I have made it clear that all money I have paid was against my arrears and now I am ready to start paying charges until the FOS have deemed it fair or not!
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Hey guys......
Still waiting for the conclusion to my complaint. 8 weeks is up on Friday. On Monday I will be starting my official compaint to the FOS!
I have already sent them a Subject Access Request to my full statement, do I need to send another 1 and another £10 to get solicitors costs, I have asked for copies of their invoices to them?
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Hi,
Finally I have worked out how to start my own thread, yay! I am currently dealing with a suspended order on my home and would like to tell people my story so they dont give up on their own homes.
Please read my complaint letter to see where I was at:
This letter has been sent recorded delivery
In reply to your letter dated the 21st May 2009 I would like to submit the following complaint:
On the 16th March 2009 I called Capstone Mortgage Services to arange a higher payment on my arrears to prevent repossession. I was transferred to R*** in your litigation department and we went through my monthly budget to justify the payment I had suggested of £750 to include the monthly mortgage payment. R*** agreed that this was affordable and would be accepted. R*** confirmed that the direct debit on the 1st of each month could not be amended and that the extra money should be paid no later than the last day of the month it was due. We spent quite some time going through this and I confirmed I would pay the extra by bank transfer. We also agreed that I should wait to see how much was taken out by you on my direct debit on the 1st so that I could then pay the remaining balance to take it up to the £750. The agreement was due to start April 2009 and was to be reviewed after my full payment of £750 in July. R*** confirmed that Glenisters proceedings would be put on hold until after the review. R*** also asked me to confirm the water rates, which I did by letter on the 25th March 2009. I also copied this letter to you again on 6th May 2009 (this letter was sent special delivery to ensure you received it).
On the 5th May 2009 I received a letter dated 30th April 2009 demanding £1652.91 to be paid immediately or face possession from M****** G*******. I received the letter on the 5th May 2009 and replied promptly on the 6th May 2009 with the above information, a copy of my bank statement clearly showing that I had paid £210.00 as soon as I had been paid on the 29th April 2009 & that it left my bank account on the 30th April 2009. I also enclosed a clear breakdown of how I propose to keep to the agreement of £750 per month including the monthly mortgage payment. I also requested in writing why you were not offering to put the arrears on the remaining term or why you would not extend the term to 30 years like most other mortgage lenders?
On the 8th May 2009 I requested an exact break down of the arrears on my account totaling £5494.33. This letter was also sent special delivery.
For example:
21/07/08 – Legal Costs £189.13
01/08/08 – Interest on Arrears £ 17.51
29/08/08 – Arrears Management Fee £ 50.00
Etc……………..
I also made it clear that from now on I want everything in writing from Capstone Mortgage Services and was not happy talking to your staff over the phone as agreements made over the phone were not kept by Capstone.
I also requested a copy of the complaints procedure.
On the 12th May 2009 I requested a full statement from the start of the mortgage from December 2005 to May 2009. This letter was sent recorded delivery. I also said that I appreciate there is a charge for this and would like to be advised so that I can pay for the statement separately so that I do not incur charges.
On the 22nd May 2009 I received a letter dated the 21st May 2009 from L******* W******* in your collections department. L******* said that the reply was further to my letter dated 8th May 2009 & made no reference to either the letter dated the 6th or the 12th May 2009. L******* states in the letter that there is no record of my agreement with R***** on the 16th March 2009 in your litigation department & then stated if there had been an agreement because the payment was not received until the 5th May 2009 I would have failed even though I proved it had been sent in the relevant month. Due to this, from 31st June 2009 I will be paying the money on the said dates in my letter dated the 6th May 2009 straight into your Barclays Bank Account via cash. I used to have a business account with Barclays and know for a fact that the cash does show the same day if paid before 3:30pm, so you cannot make any more silly excuses to try and show I have defaulted! I made a special arrangement with my sales manager to use her private office phone and spent some 40 minutes on the phone to R***** on the 16th March 2009 and if needs be can ask my employer to get a copy of the phone bill to prove it. I would however appreciate it if you could find the call. I asked R**** if it was being recorded and she said “yes”.
L****** was also kind enough to accidentally include a copy of an internal email conversation, saying to A******** B******** that I “specifically did not want a statement and that I did want a detailed explanation of the fees. Don’t worry with the statement I will write to her and ask her what exactly she requires”. In his letter he did not once ask me what paperwork I was requesting! I find this very unprofessional!
To date I have received in reply to my 3 letters a copy of the complaints procedure leaflet, a copy of the standard charges, a letter from Lesley Willson answering none of my questions and an internal email clearly saying not to bother to provide me with any of the information I had clearly requested and have proof of requesting.
To top it off after requesting everything on my account should be in writing I also had a phone call on Saturday 23rd May 2009 at 13:09pm from Capstone asking me to go through security as he would like to discuss my account. I explained that I did not wish to speak to him over the phone as telephone calls are not honored. He said ok and that he would generate a letter. So no doubt I will be expecting a demanding letter despite the agreement made with R*** on the 16th March 2009. I also received calls on Wednesday 10 June 2009, one at 14:17pm & one at 14:18pm (the second time they called once and then hung up). I was under the impression that if I wrote to you and confirmed I wanted all correspondence to be in writing that if you keep calling me & not writing to me, it is classed as harassment?
Additional errors made:
On the 1st July 2008 an agreement was made for me to pay £130 per month more than the mortgage towards arrears. You asked me to set up a direct debit so I did, the 1st payment went out on the 1st November 2008 and the 2nd payment on 1st December 2008, however the direct debit you set up did not include the arrears payment of £130 on either month. I did not have internet banking so did not realize until I received you letter in December telling me I am now in litigation! When I rang up to explain and get the direct debit amended I just did it to the old amount of £100, the gentleman I spoke to did not remind me that it should be £130. I would like to remind you when I paid by standing order that I set up you were receiving £650.00 per month, made up of the mortgage & £130 towards arrears (1st July 08 £1200, 1st Aug 08 missed payment detailed below, 1st Sept 08 £650, 1st Oct 08 £650). So yet again I was in default even though I had tried to rectify the problems.
I have missed 2 payments, 1 in August 2008 and 1 in January 2009 and I have explained why I missed these payments, 1 due to travel expenses (after being un employed for a month and a half) in the 1st month in a new job and the 2nd due to the council tax (priority bill) having to be paid for 2008.
According to my calculations out of the approx £5284.33 arrears you are demanding approx £2244.67 are actual mortgage arrears and approx £3040.06 are Capstone charges and interest on Capstone charges. Because I am still statements missing I cannot get this exact but I have a feeling that when I do have a full statement the £1652.91 you keep demanding from me is the total sum of my mortgage arrears meaning that £3631.42 are Capstone Charges and Capstone interest on charges, more than double the arrears on the account!
I would also like a copy of the court order for my records.
I am trying very hard to get my affairs in order and would appreciate it if someone more senior than the L******* and M******* could have a good look at my account, maybe someone from the litigation department as I am paying a litigation fee I would like someone a little more qualified than a collections department commissioned person!
I would also like to confirm that copies of all correspondence are going to Citizens Advice to investigate unfair charges and if I do not receive a sensible reply as to how you are pre paired to help me clear the charges, along with the information I have requested within 8 weeks I will have no other choice than to get the Financial ombudsman involved. I am intending to speak to them about the unfair charges either way, as my original court order stated I pay £100 per month on the arrears, however you are now charging around £135 per month, which is a lot more than the court order said and a lot of money to charge someone for nothing, to put it in perspective you are charging me interest on the interest!
I have now recieved my full statment, but they have not yet delt with my complaint. In reply to my statment please see the letter below:
This letter has been sent recorded delivery
Further to my complaint dated 12th June 2009 received according to you on the 19th June 2009:
Thank you for sending me my full mortgage statement. I would now like to bring the following to your attention:
Arrears as at 20/07/2009 £4,942.67
Total Fees Charged From 17/12/2005 to 20/07/2009 £4,402.28
Making my actual mortgage arrears as at 20/07/2009 £ 540.39
The £540.39 which is my actual outstanding mortgage arrears will be paid as follows:
31/07/2009 - £240.00 Bank Transfer should arrive with you 04/08/2009
01/08/2009 - £100.00 Direct Debit
31/08/2009 - £200.39 Bank Transfer should arrive with you 02/09/2009
Litigation Management Fee £115
Charged each month when, at close of business on the last day of the month, the arrears balance on your mortgage account is equal to or greater than, one current monthly payment due and we have instructed solicitors to begin proceedings.
On the 16th March 2009 Rico instructed Glenisters to stop repossession proceedings as per our agreement to be reviewed at the end of July 2009. Should the monthly charge not now be £60 Arrears Management Fee? Have I been over charged for the last 4 months as you have been charging your litigation fee?
On the 04/08/2009 my actual mortgage arrears will be £300.39, my mortgage monthly repayment is £409.05. Therefore the arrears are no longer greater than the monthly mortgage payment and only an Arrears Management Fee of £60 should be charged for August 2009.
As of the 1st September 2009 I have cleared all of my mortgage arrears. Leaving £4,402.28 worth of charges to clear. I cannot find anywhere in your Collection/Arrears/Administration Fees anything about a monthly charge on the fees that you have charged me for being in arrears. I am expecting to not be charged anything as of the 1st September 2009. I would not like my direct debit to be amended as I would like to start paying the charges off at £100 per month until we have had a verdict from the FOS as to how fair they think your charges are.
You have until the 14th August 2009 to reply to my complaint before I seek help from the FOS.
June 2006 – charged both arrears management fee £50 and litigation fee £100. You can only charge 1 of these.
October 2006 - charged both arrears management fee £50 and litigation fee £100. You can only charge 1 of these.
January 2007 – Non Block Insurance Renewal £25. Charged this twice. Total of £50.00
November 2007 – Agent Cost £29.38. What is this for? It is not in your Collection/Arrears/Admin Fees & Charges List.
November 2007 – Admin Fee £60.00. What is this for? It is not in your Collection/Arrears/Admin Fees & Charges List. You also charged me £50.00 Management fee in this month.
January 2008 – Agent Cost £29.38. What is this for? It is not in your Collection/Arrears/Admin Fees & Charges List.
April 2008 – Admin Fee £60.00. What is this for? It is not in your Collection/Arrears/Admin Fees & Charges List. You also charged me £50.00 Management fee in this month.
I would also like a detailed break down of your legal costs included in your reply by the 14th August 2009. Invoices from Glenisters will be fine. You are claiming £1493.52 in legal costs in the charges. I have been to court twice the first time it was £716.13 the second time it was £369.84. It was the same process each time, why the difference in the cost?
Do not give up people!
Keep paying monthly what ever you can even if they say it is not good enough, anything is better than nothing, if it goes to court, willingness to try and pay goes in your favour!
Send everything in writing recorded or special delivery!
Complain! Not enough people actually complain when they are being treated unfairly!
I will keep you all posted on what happens next, but remember this is your home, fight for it!
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To keep everyone posted.
I have recieved my statement.
I am only £700 in arrears on my mortgage which will be cleared by the 1st September 2009.
However I have £4200 worth of charges on the account too. I have been doubled charged in some places. I am still being charged a litergation fee instead of a managment fee too even though the arrears are nearly cleared.
Please can I have some advise on the next step.
I am still waiting for there final letter on my complaint.
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To keep everyone posted.
I have recieved my statement.
I am only £700 in arrears on my mortgage which will be cleared by the 1st September 2009.
However I have £4200 worth of charges on the account too. I have been doubled charged in some places. I am still being charged a litergation fee instead of a managment fee too even though the arrears are nearly cleared.
Please can I have some advise on the next step.
I am still waiting for there final letter on my complaint.
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Because I have changed my bank, I do not have a full record. I have sent them the correct request letters for the full account statement and the arrears statement. And the correct payment for the statements. I am still waiting for them though and if I do not recieve them within the next 13 days will forward my complaint to the FOS.
I cannot take the risk of not paying the extra just incase I have got any of the figures in correct. I have also requested a copy of the court order saying how much the arrears were exactly and the exact repayment ordered by th court. They have failed to provide this information too.
At the moment I can do nothing but keep paying and waiting as I do not have all the information required, but if it does not arrive in the 40 days I will forward straight to FOS to deal with.
I think the reason they are taking so long to provide me with any info is because of exactly what you have said above!
I will keep you posted and thanks for the advice, my dad kept saying they cant put the charges on the arrears and I didn't believe him, could'nt understand how they could do it if they weren't allowed but at least I know for a fact now that they are [causing problems] me one way or another.
I will keep you posted!
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Because I have changed my bank, I do not have a full record. I have sent them the correct request letters for the full account statement and the arrears statement. And the correct payment for the statements. I am still waiting for them though and if I do not recieve them within the next 13 days will forward my complaint to the FOS.
I cannot take the risk of not paying the extra just incase I have got any of the figures in correct. I have also requested a copy of the court order saying how much the arrears were exactly and the exact repayment ordered by th court. They have failed to provide this information too.
At the moment I can do nothing but keep paying and waiting as I do not have all the information required, but if it does not arrive in the 40 days I will forward straight to FOS to deal with.
I think the reason they are taking so long to provide me with any info is because of exactly what you have said above!
I will keep you posted and thanks for the advice, my dad kept saying they cant put the charges on the arrears and I didn't believe him, could'nt understand how they could do it if they weren't allowed but at least I know for a fact now that they are [causing problems] me one way or another.
I will keep you posted!
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2 Years! Hence why I can't get out of arrears! My actual arrears have increased from £1700 when the court order was passed to £5400.
Each month it was a managment fee of £50 but now it is litigation fee of £115 goes onto my mortgage arrears and also the interest on the arrears is usually about £20.
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2 Years! Hence why I can't get out of arrears! My actual arrears have increased from £1700 when the court order was passed to £5400.
Each month it was a managment fee of £50 but now it is litigation fee of £115 goes onto my mortgage arrears and also the interest on the arrears is usually about £20.
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Done it, name removed, did not realsie it was on the bottom of that letter!
Thank you :o)
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Done it, name removed, did not realsie it was on the bottom of that letter!
Thank you :o)
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Please see my posts, I am going through the complaints proceedure now. They have 15 days left to reply before I complain to the FOS. All of my letters are on my posts.
My repayment mortgage is £409 per month at the moment. I pay £750 a month to clear my arrears and my balance is not going down at all due to these rediculous charges for nothing!
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Hi,
Thanks for the advice. I wasn't aware my full name was on my post's? How do I remove it?
I am no longer stressed out by them at all. I have spent the last 2 years being stressed out by them & after reading all the post's on here about how they abuse people, the only word that can descibe my state of mind is determined.
They only have another 15 days left before I can complain to the FOS. The cheque for the arrears statement was cashed on 19th June 2009, so it is fair to say they are just time waisting. I think I have a very fair argument, in the fact that my actual arrears are only 1/3 of the total the rest are charges. In the last 6 months I have nearly cleared that 1/3, but because they have applied it to charges it looks like I have paid off next to nothing. I actually pay £341 extra on top of my repayment mortgage payments and my balance is not going down, 3 x's as much as my court order! I want to go to court, not just for myself, but for all of the other victims on here that are doing their very best to keep there homes.
How can you charge interest on interest? How can you charge someone £115 per month for managing their account when all you do is press a button and send them a computor generated letter, that actually costs at the very most £5 to produce including postage? How can I have a repayment mortage that the last 23 payments have been made on and 6 months of considerable arrears and the balance only moves by a couple of hundred pounds? Since the 16/09/2007 I have paid £12248.86 on a repayment mortgage of £83,000. Yet my balance seems constantly stuck at £85,000 - £86,000 in that period! When I took my mortgage out my repayments were £509 per month, they managed to push them upto £522 through charging me things like £25 to verify my high street lender home insurance certificate etc and for the last 4 months the mortgage repayments are only £440 & this month have dropped to £409. Im not a mathmatician but I know for a fact that there are sharks swimming around my mortgage account & I am not prepaired to be ripped off anymore!
If I wasn't doing anything constructive then yes I could understand the way they are treating me. They haven't even sent me a debt counsellor and charged me for that and I dont even get a monthly statement saying how much I have paid off on my arrears, which apparntly they should send as I am in "litigation". Its a f***ing joke and the government should be ashamed of themselves for not passing some kind of law that these companys have to abide too that actually means something!
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But who would you sue? The company haven't paid the staff wages this month, suggesting no money in the company bank account to pay it and no money to claim if you sue.
I am no expert but I dont think this is the right course of action to get your money back.
This is the only contact info I can find for Anglo:
ANGLO CAPITAL LTD
39-40 Calthorpe Road
Edgbaston
BIRMINGHAM
B15 1TS
Hope this helps.