i brought a car 2yrs ago,this april the car broke down,i left there and when i return it was gone.i informed the police my broker THE POLICY SHOP they told me to contact my insurace company Kgm At Lloyds . kgm told me that i would get a phone call and have a interview about my claim with a company called tcf Motor.In june i got letter from tcf motor saying following completion of they enquiries they decision on behalf of my insurer,not to pay any monies in respect of my claim.tcf says car was fitted with a transponder making it difficult to steal without genuine key.to bypass the system without an authentic key would require change of management unit.this would invole substitution of parts from identical donor car and require specialist knowledge and require significant amout of time and would be costly to the thieves,and have discount this method due to the condition of the recoverd vehicle. the car has not been recovered. they then say the key i sent them was sent to bmw and that bmw says this was not the correct transponder for my car and therefore could not have started my car,and that the car was taken with the genuine key,nd that my claim is declined. tcf motor told me that the car had been a cat b total loss-body crush in 2001 and a cat d total loss in 2003,i did not kown about this and it was before i brought the car.the seller of the car did not tell me about the two accidents. the seller was a trader.i am now got a complaint in process with my insure comp.however i am still paying my monthly insurance d/d,can i stop paying this-i have no car,i have fully comp could i change it to tpft while claim is on.i have not made previous claims and have over 9 years no claim bonus.

hi Ell-en,it would be really helpful if you could help me with the letter for solicitors fees.thanks.

hi Ell-en,it would be really helpful if you could help me with the letter for solicitors fees.thanks.

hi campari2,thanks for your advice,its really helpful to be able to communicate with someone who knows what im going through.i am going to ask oakwood for a simple breakdown of all transactions and charges,then go through it with a fine tooth comb,because the letters they have been sending me have different arrears totals,its so frustrating.

hi campari2,thanks for your advice,its really helpful to be able to communicate with someone who knows what im going through.i am going to ask oakwood for a simple breakdown of all transactions and charges,then go through it with a fine tooth comb,because the letters they have been sending me have different arrears totals,its so frustrating.

ok thanks so much for your expertise.

ok thanks so much for your expertise.

hi Ell-enn, i recieved a summary of charges dated first of july,showing oakwood has added £100 onto my account on the 4th june for solicitors fees presumably for my court case on the 6th july.can they do this?also i havnt scrutinised it yet but i think my arrears figure is wrong-it looks like the £50 monthly arrears charges are being added to the arrears acc not the mortgage,nor have they said it would go onto the mortgage!also since my court case i have had no papers regarding the outcome,should i apply for these through the court to keep for my records?

hi Ell-enn, i recieved a summary of charges dated first of july,showing oakwood has added £100 onto my account on the 4th june for solicitors fees presumably for my court case on the 6th july.can they do this?also i havnt scrutinised it yet but i think my arrears figure is wrong-it looks like the £50 monthly arrears charges are being added to the arrears acc not the mortgage,nor have they said it would go onto the mortgage!also since my court case i have had no papers regarding the outcome,should i apply for these through the court to keep for my records?

p.s my mortgage interest rate has just gone down so at the moment d.w.p are paying the whole monthly payment,i dont know if d.w.p will alter their payments so i will still have to contribute like before.also as i said in my previous post i am going to start paying 50 per month,but as i am getting charged 50 a month how will this help and reduce my arrears?

p.s my mortgage interest rate has just gone down so at the moment d.w.p are paying the whole monthly payment,i dont know if d.w.p will alter their payments so i will still have to contribute like before.also as i said in my previous post i am going to start paying 50 per month,but as i am getting charged 50 a month how will this help and reduce my arrears?

hi i been to court today,possession order,arrears by oakwood.got to court a bit early to get legal advice.i spoke to a man from the C.A.B.,we spoke for about 5 mins and we agreed to offer £65 per month,he then called oakwoods brief in the room,we offer to pay the £65 per month over 5 years,oakwoods brief said he would have to ring them,he came back in room saying they would want over 4 years and that they want the case to go in front of the judge.we then went back to the waiting room,i turn to the oakwood brief and pointed out to him mortgage arrears protocal,he turn to me and told me to go and tell this to the C.A.B. man, i then point out the test case law cheltenham and gloucester v norgan,this got his back up,he tells me its only in extreme cases and that i must go and talk to the C.A.B. before i move to another seat i ask him what is this 28 day thing,he say oakwood is asking the court to kick me out in 28 days.this got me cross.well when i went in the court room the C.A.B. man put my case forward ,i then said to the judge that i have rang oakwood written to them and keep them upto date with my situation,however oakwood have not return my calls or responded to my letters,the judge then says to me that its not the first time he has heard this about oakwood,he turns to oakwood brief and tells him oakwood is out of order for taking me to court,he then says the order is suspended and i should pay £50 instead of £65,oakwood brief then ask the judge to put some thing on the house the judge says no,oakwood man hangs his head in shame.it was a good result,thank you again so much for your help again will be donating money to your site.when i get court papers will let you know.

hi i been to court today,possession order,arrears by oakwood.got to court a bit early to get legal advice.i spoke to a man from the C.A.B.,we spoke for about 5 mins and we agreed to offer £65 per month,he then called oakwoods brief in the room,we offer to pay the £65 per month over 5 years,oakwoods brief said he would have to ring them,he came back in room saying they would want over 4 years and that they want the case to go in front of the judge.we then went back to the waiting room,i turn to the oakwood brief and pointed out to him mortgage arrears protocal,he turn to me and told me to go and tell this to the C.A.B. man, i then point out the test case law cheltenham and gloucester v norgan,this got his back up,he tells me its only in extreme cases and that i must go and talk to the C.A.B. before i move to another seat i ask him what is this 28 day thing,he say oakwood is asking the court to kick me out in 28 days.this got me cross.well when i went in the court room the C.A.B. man put my case forward ,i then said to the judge that i have rang oakwood written to them and keep them upto date with my situation,however oakwood have not return my calls or responded to my letters,the judge then says to me that its not the first time he has heard this about oakwood,he turns to oakwood brief and tells him oakwood is out of order for taking me to court,he then says the order is suspended and i should pay £50 instead of £65,oakwood brief then ask the judge to put some thing on the house the judge says no,oakwood man hangs his head in shame.it was a good result,thank you again so much for your help again will be donating money to your site.when i get court papers will let you know.

ok, thank you again so much.

ok, thank you again so much.

thanks so much for your help and advice,i will keep you informed.

thanks so much for your help and advice,i will keep you informed.

hi i took the papers to the court this afternoon.

hi i took the papers to the court this afternoon.

when i sign on i declare my girlfriends part time earnings and i show proof of her part time income.

when i sign on i declare my girlfriends part time earnings and i show proof of her part time income.

thanks again,i think i will be ok with the rest of the form

thanks again,i think i will be ok with the rest of the form

yes DWP is paying mortgage interest payments,however when DWP started making the payments to oakwood my JSA payments went down to 10p per week,the £60 per week what i should get from JSA is taken from me,this amout is then added to what DWP puts in,this figure is then paid to oakwood.

yes DWP is paying mortgage interest payments,however when DWP started making the payments to oakwood my JSA payments went down to 10p per week,the £60 per week what i should get from JSA is taken from me,this amout is then added to what DWP puts in,this figure is then paid to oakwood.