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Everything posted by marlinhater23

  1. i have recently been diagnosed with hypoglycemia and somebody told me that i could claim dla 4 this. does anybody know if this is true or not?? thanx
  2. yeah i have spoken to a mortgage advisor who says that unless the rate dramaticaly shoots up then i shouldnt worry as im on a quite high rate as it is 7.66 and their variable is currently 6.8 so i would be better off but i think i just paniked myself as my partner is in the building trade and not much room for extra mortgage payments. thanx 4 replys peeps
  3. just realised after thinking about my mortgagge that my fixed rate ends in april. my rate is just above their variable rate. i dont have much equity and i have a 4grand early repayment fee. any suggestions?
  4. i have a mortgage with kensington mortgages and am on a fixed rate repayment. does anybody know if i would be able to get a repayment holiday with them or had any experience of this? thanx
  5. sorry if i sound a lil daft but waht does bump mean? im not really very gud at this. ta
  6. hi all. does anybody know of the compensation schemes or companies that are claiming that if you got your mortgage through a broker you can claim back some of the commision that they made from you? any help thank you ;-)8)
  7. sorry if this sound a little dumb, but can you please explain what you mean by this as i do not understand! and aslo how do i find out if i was given a notice of assignment as i havnt kept all letters and am not sure. thanx
  8. the have recieved one payment from them n its nearly time for another so they r fairly new on the scene:)
  9. erm......they dont accept dd or standing orders? yes they do because ive had a standing order with them myself! bunch of bloody liars!!! gud luck
  10. i phoned my dmc and they said that they would ring ruthbridge and sort them out, also they would ring me back and let me knw what they say! if they still insist on this course of action then i think i would get it below 750 just to be on the safe side!!! thanx everyone!
  11. :)also what can i do one i hace paid off my debts to bring my credit file back to normal? what will the effects of this be?
  12. hi, does anyone know where i can find out if there is a ccj agains my debt( was hiding my head in the sand for a while and not too sure). do you have to pat eyc thanx:confused:
  13. hi has anyone heard that if you got your mortgage through a broker then you can claim some compensation back based on the commission that the broker recieved on your mortgage! if so any comments? ta:)
  14. how do report them to the oft? does anyone have a email address or postal address i could use?
  15. i could get it bellow 750 next week but im with a dmc and if i pay them to get it below 750 then they will know that i cud pay more than what im paying em thru dmc! what do you think is best? i have emailed my dmc but havnt had a reply as yet! dunno if they open on saturdays! ta:(
  16. i have just recieved a letter from ruthbridge stating that they are advising their client to commence bankruptcy proceedings, which may include costs and interest! we only owe them 839.88! it then goes on to say that in order to avoid this i should pay them £503.93 before the 13th aug. obviousley i dont have 500 spare cash oe i would pay them. also we are with a dmc ant the moment! what should i do?
  17. i do not own a car but we do own a house which is in joint names and the other name on the house has nothing to do with this debt! i do believe that my house i in negative equity though! thanx
  18. i recieved a phonecall from one of marlins collectors saying that i had to keep my payments upto date because a stat demand had been issued. i dont remember getting one as he told me it was hand delivered and i hav had nothing hand delivered and signed for! do you think he was bluffing to get me to pay? also is it possible to request to have your debs returned back to your original creditors? i would find this really helpfull! ?????
  19. also do they take your house aswell? what if it a joint morgage(up to date with mortgate)?
  20. ah well considering i owe them 4grand and pay every month (have paid 2 grand off in 18mnths) it would be in their interest not to make me bankrupt? am i right in thinking this? thanx 4 fast reply also what does insolvent mean? im new:???:
  21. the bloody morons at marlin are what drove me here!!! hate em.....lots:mad:
  22. this may sound like a silly question to some of you pros, but can anybody tell me if there is a minmun amount of money that you have to owe for the dca can make you bankrupt and also is it true that yourself is the only person who can make you bankrupt and the dca only apply for it? ta:confused:
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