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slgsue

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Everything posted by slgsue

  1. Sorry to butt in but just wanted to show a bit of moral support!!!! My experience of court was not that bad TBH!!! I felt sick, wanted the ground to swallow me up but kept comfort in the thought that I was not the only one in the waiting room going through this, though at times it feels like it!!!! I went with my friend and in Swindon courts there is a little corner where all the solicitors sit and have a natter, we sat there and lightened the mood by guessing which one I would be up against, I was very pleased with the result as there was a woman there that looked scary!!!!! Be strong, th
  2. Sorry to butt in but just wanted to show a bit of moral support!!!! My experience of court was not that bad TBH!!! I felt sick, wanted the ground to swallow me up but kept comfort in the thought that I was not the only one in the waiting room going through this, though at times it feels like it!!!! I went with my friend and in Swindon courts there is a little corner where all the solicitors sit and have a natter, we sat there and lightened the mood by guessing which one I would be up against, I was very pleased with the result as there was a woman there that looked scary!!!!! Be strong, th
  3. Vanquis seem to underwrite the Granite Card aswell which even with my credit rating which is sinking into the depths of despair lol called me today to say that I had been accepted. I am extremely happy as I intend to use it once a month to take my kids out bowling or something and then pay it off as soon as I get paid. This is just to build me up a credit rating again and the ridiculously high interest rates wont apply as it will be paid before they come into play. The hilarious thing is I was turned down by vanquis quite recently ............... bizarre!!!!!
  4. I am really hoping someone can help. I have an attachment of earnings order (which I asked for as I would forget to pay it ) that I am half way through only 5/6 months left. Whilst opening the post at work I came across a letter addressed to payroll regarding this and telling me that payments are in arrears by 1 month!!!!! My payslips clearly show it has been taken from me and my manager has said he will sort it out with the payroll dept. But what worries me is what happens if they keep forgetting? Can anything happen to me and will payments automatically stop once my debt is cleared?
  5. They are such s**tes!!! I am in a new argument myself, made my payment on 18 Oct actually slightly more only by a few pence but every little helps so they say. Well on Saturday what lands on my doorstep but a letter telling me I havent paid and am being charged £115 for breaching!!!! Have spoken to them and they said it was their error and it was because though they can see my payment it has not been linked to my account conveniently, when asked why they couldnt answer, what a surprise!!!!!! I have asked for them to confirm in writing when the funds have been credited to my account and tha
  6. Who is your PPI with? I would call them straight away and ask what their procedures are. Do you still have a copy of the Terms and Conditions of the policy? My advice is to keep paying your installments, stress to them that once they refund your overpayment in insurance premiums you will be in credit on your arrangement. This can be done in a couple of days but they will of course try & fob u off after all this is what they are best at!!!!!
  7. Hi just been reading your thread and I am another of Capstones many victims! What is the reason behind paying late, is that due to when you get paid. The reason I ask is that I was in the same boat and the judge very kindly informed their solicitor (who by the grace of god was lovely) that he was enforcing his power for Capstone to change my payment date to the day after my hubby gets paid so no more charges could be added so long as I dont mess up with my payments. I love phoning them with my payment and when they ask if I can pay on the 1st telling them that so long as I comply with the j
  8. Hi, sorry to hear of your dilemma, how did it go today?
  9. Well Milky Way and Galaxy (after the chocolate bars - no educational thought went behind this ) have been settling in now for the last week or so, I forgot we had them yesterday and nearly fell back through the door after hearing them squeaking!!!!!! The kids love them but sometimes have to be reminded that they need lots of attention, gets them away from the tv and allows me to catch up on my programmes!!!! I am hoping the lady we got them from was right and they are both males, dont fancy having 50 hehe
  10. Sawyer, whats happened with your payments then, they will need to take responsibility for not informing you their account has been closed, ok I do realise that pigs will be flying past my window before they take any responsibility for their sheer ineptness!!!! I had a letter saying they are looking into my verbal complaint regarding charges, have also lodged with FOS, can see that this will be a very long drawn out process, but I am patient!!!!
  11. I was hoping someone out there could provide some help for my parents with the ever lovely Capstone. They have never been to court regarding this mortgage but it is looking ever more probable that it is where they will end up. The scenario in brief is arrears at £4000 including Junes payment, they have been making extra payments of £140 per month for the last year but with a large mortgage and a Picture loan this is not easy for them to maintain. They requested capitilisation of the arrears earlier in the month and were refused, no reason, just refused, they are continuing to
  12. Capstone have very kindly replied to my verbal complaint re charges last week, they are looking into it!!!!! Well we shall see, not holding my breath, would prefer the FOS to deal with it anyway
  13. Their solicitor looked so embarrassed when I stated quite clearly that I had not made this proposal!!! he was actually a nice guy and didnt really oppose my application for suspension. When we were leaving he told me I had done really well so coming from the dark side I see that as quite a compliment!!!! Ell you are a marvel x
  14. Thanks all and yes Ell, I am going to make this work this time, cant go through that again!! Have poured a little drink to celebrate too!!!! I am still baffled as to where the offer I made came from though, just another one of their lies!!!! But as of today the only conversation I will be having with Capstone is once a month to pay them as they cant do a DD for any other day but the 15th.............. absolutely crazy:D
  15. This has been the longest day of my life but so worth it :D:D Arrived in court with plenty of time and just sat and waited with my legs like jelly!!!! Their solicitor approached me, was unaware of my recent payment, surprise surprise, and asked if I wanted a "chat" to which I informed him that I was aware of his intentions to execute the warrant and mine were to have it suspended so there was nothing to discuss!!!! Called into court, the judge took some facts and figures from their side and then asked my intentions. I explained I was offering £200 extra and had made
  16. Another thought, what happens if the broker has ceased trading? Can you approach the FSCS or is that something different?
  17. SPML give a direct answer hehe no dont think that will happen either:) My job involves me working with a lot of people that used specific 2 brokers now gone bust and we go directly to the company that they used to get the PPI's for people. This info seems to be freely given by them. Your situation at the time you took the mortgage out sounds so like mine, I had PTSD after a horrific birth with my daughter and truly believe the broker took this into account and used it to his advantage to get us to sign for this mortgage! I would definately go with the solicitor for first point of contact
  18. Sorry to bother you all, but am feeling quite vulnerable this evening. In court tomorrow, have made the payment today as promised in my statement, even the idiot that took the payment didnt know when the eviction was to take place, or for that matter that I have a hearing tomorrow!!! I am fretting, what do I do if the judge says "No, you have had too many chances, the order stands". We have no back up plan, I am scared. Got my best work attire in the washing machine ready to iron and look completely respectable. I am fully aware of the tosh that will
  19. Thanks Sawyer, have sent you a message
  20. Hi, hope you dont mind my input here as your last question is something I know a little about. I take it what you have is a dispersements statement, does it say who the payment protection was paid to? You will be able to contact the policy provider to get the documents you need. If it doesnt was the mortgage sold by a broker, they should be able to provide you with more details, providing they are still in business. Not entirely sure that the solicitor would have any documentation actually regarding the policy.
  21. Thank you Elsa, I am going to contact both of these, you are quite right, £30 a month is a large amount that can hack away at these debts, will keep you updated as to how things go.
  22. If my dear old nan was still here then she would probably have a recipe bless her!!!!! No I like to buy my meat from the supermarket usually chicken or pork hehe. Thanks for the info, they are the cutest little things and from watching them play together yesterday can imagine they will get up to lots of mischeif, will post a pic when we have them home
  23. How slow are these people????? Just called to make my payment of £600 which is £375 monthly payment and £225 off the arrears the guy that I spoke to gave me full name and authorisation code, I have also noted date and time to give to the judge and was actually amazingly quite pleasant. He actually asked me when the eviction was to take place, I have known for a week for goodness sake!!!!!! He offered again the option of paying £1200 to stop the eviction, I said no thank you. He said and I quote "so you are putting in an application to have this suspended then?" di
  24. We are planning to expand our family, so far we have myself, hubby, 3 children, 2 dogs and a very entertaining hamster!!!!! The kids are fantastic and take their responsibility in cleaning and feeding Henry the Hamster and walking the dogs seriously bless them. Well we have today met 2 gorgeous 6 wk old little guinea pig brothers, who we plan to bring home on Saturday!!!!! So excited:D I have never had lil piggys so need some advice re care, we plan to keep them indoors as our corgi is a very outdoor girl and we want to be on the safe side and get one of those cage runs for the garden.
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