i have just spoke to rooftop and i have to go to court in august to try and come to an agreement to pay off the arrears on top of the mortgage. i am £3,500 in arrears and rooftop said that it is not a repo order yet unless i break the terms with the court. having said that my 2 year fixed rate of 5.99% expired yesterday and my new rate is 4.26% on a libor rate but wont kick in until august sometime when my payments will drop £200, so it looks like i will have to play it by ear in the meantime

£50,000 less!! are they allowed to do that cant you argue that the place is worth more?? was you left to pick up the bill for the remaining money owed on the mortgage?

no court papers either,just a call

i just watched that link,that is absolutley shocking!!!

hi, it was just a telephone call, im going to ring them today and find out the full sp! ill let u know what they say.

hi, sorry to but in! but im in a similar position myself,if i went bankrupt then what would that mean for me? would i be able to get a bank account? how long would i have to wait before my name is clear and when can i apply for credit again? any info would be helpful as i havent got a clue about anything like this! thanks guys

Hi all, I am new to this site and am seeking as much advice as i possible can, Heres the story,i'll try not to bore you too much,im 24 and have a mortgage with rooftop for almost 3 years,for the last two years i have been on time in paying,but the last year has been a real struggle,i have been in and out of work and have fell behind by almost 6 months. Aswell of having the stress from phone calls and letters and rooftop charging me extortinate late payment fees and so on,because they seem to charge for everything!!!!! I came to an agreement with rooftop in january 2009 to pay an extra £100 for 6 months,on top of my mortgage so the total would be £770 odd a month which was ok at the time then 2 months later i fell back out of work again as im self employed.So this meant i broke the agreement so ive only paid twice out of the 6 months. So i get a call from rooftop the other day telling me in due in court in august,but didnt really explain to much,nor did i ask what was going on i ended up putting the phone down in a panic.Ive never had anything like this come my way before,and i really dont know what is going to happen if i go to court???? I am going to ring rooftop back tomorrow and see what is going to happen, would you think they are trying for repossesion,what would happen if they are planning that??? Im in abit of a state over it so any knowledge would be very much appreciated. Thankyou