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tonydaytona

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About tonydaytona

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  1. Hi. I have today returned to Court and had the date suspended. I was also able to reduce the monthly arrears I should pay from £50 to £30. I only received the back dated confirmation from DWP 2 days ago, I have not received the monies as yet. But the Court was satisfied that I am able to pay it. I had put in my original defence that I was never allowed to claim on the PPI when I became out of work and since then unreasonable charges had been made including £60 fee's when I was paying, x 4 £165 no show Agents visits, £600 Solicitors fees x 4, interest and default fee's which meant
  2. Hi Lea. Many thanks for the confidence boost. I have copied off the template ready to send off to them. I do have a few questions that hopefully you can help me with. The loan Company say there are £2000 arrears, yet the total balance is now £9000 higher than it was. When I questioned this they said that any fees, interest etc is added to the loan balance and only the missed payment is classed as arrears. I have done a calculation and found that out of the normal repayment of £110, £97 of it is interest. With a balance of £17,000 thats going to take a few thousand years to
  3. Hi. I got the eviction adjourned for 28 days to give me the chance to get some money to the claimant. As long as I pay one instalment there wont be an issue. I mentioned in my statement the following: 1. As a condition of taking out the loan, a single payment insurance payment was made to cover loss of income. When I contacted the Claimant I was told that I was not entitled to claim under the policy because they felt my illness and subsequent loss of my job must have been present when the loan was taken out. I understand that the Claimant was wrong in stating I could not claim and only
  4. Thanks Lea for the advice and support. I will report back tomorrow with the result.
  5. Just a quick update. I have a hearing for tomorrow (Thursday) to suspend the eviction,. Ell-en has given the thumbs up to the statement I prepared.
  6. Hi. I have prepared all the documents following the guidelines on the site and I have sent Ell-en a PM with the text from the statement to see if Ell-en is able to read it before I take it to the Court.
  7. Hi. Many thanks for your excellent advice. Due to the limited time I have, I have started to put together the application to have the evition suspended on the grouds of back dated funds being available within the next few weeks and the insurance issue together with the fees they have mounted up. I am confident that I can get the paper work sorted. I will have someone with me at Court and if I have the paper work in order and detailed then I am hopeful I will get a suspended order. I will contact Ell-en once i get the detail down to see if she has the time to look at it before I
  8. Hi. Many thanks for your detailed advice. When I contacted the loan company they said due to me recently having a mortgage they wanted the security of insurance. The original loan was for 20 years and the intention after my current mortgage deal had ended in 16 months time I would then bring both the main mortgage and the 2nd charge into one mortgage. I was told that I would receive the full refund of premiums on early repayment and the reason I phoned them, not wanting to be stuck with something for 20 years when the loan was paid off early. When I spoke to the loan company (Ce
  9. Sorry for posting this on the wrong thread and thanks for placing it in the right place.
  10. Hi. I maybe able to help you because I have exactly the same problem. I have not read your previous threads so i apologise if some of this has already been covered. DLA as you know has ended and replaced by ESA, everyone who was previously on DLA will have to complete the form and attend a medical. I can not stress how important it is to be fully prepared for the medical, I will come back to this shortly. You will be currently on the minimum benefit of £66, once you have this medical and it is shown that you are unfit for work then it will be back dated, but you must tell them that.
  11. Hi. I took out a secured loan in 2006 for approx £8800, and the company made it a condition that I take out PPI insurance. The intention was to do a remortgage two years later for both the current mortgage and the secured loan. I did make a phone call when I saw the cost of the insurance that was being added but was told that 1. The amount would be rebated on a month to month basis and 2. They had to have PPI as part of their loan condition. I would presume this call would be recorded. Approx 12 months later I became unwell with a mental health problem and I had to finish work, when
  12. Hi. I have not finsihed with them yet. I will be seeking advice on how to get back some of there rip off charges in particular there PPI. Having looked through this excellent site I am getting wiser by the day. Thanks to everyone in particular Ell for their support and help.
  13. Hi. I have not finsihed with them yet. I will be seeking advice on how to get back some of there rip off charges in particular there PPI. Having looked through this excellent site I am getting wiser by the day. Thanks to everyone in particular Ell for their support and help.
  14. Hi. Just letting you know that the eviction was suspended this morning. Central did not even turn up to the hearing, they phoned and said they did not oppose the offer. Good news all round. Many thanks for all the help with this Ell. I was treated badly by Central, so my next move is to fight there charges and PPI.
  15. Hi. Just letting you know that the eviction was suspended this morning. Central did not even turn up to the hearing, they phoned and said they did not oppose the offer. Good news all round. Many thanks for all the help with this Ell. I was treated badly by Central, so my next move is to fight there charges and PPI.
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