Hi Not been on here for good while I had a perfect credit rating before mortgaged with this lot. I had a mortgage with the abbey before never defaulted. I was passed on to these by a broker in 2008 the libor rate was out of control my mortgage was based on 3month libor. They were sending me letters every week and putting rate up but had to wait 3months for it to go down. I know this rate was being manipulated. Almost cost me my house still over £5000 in arrears but paying it off monthly most of this is charges and stuff, what should I do to start getting these people to pay for the damage they have done. I haven't done anything yet about charges. The libor scandal is just proof to what this company has done.

We are on earth crapstone,they take us for a bunch of mugs which we were when we took out our mortgages with these cowboys.They are just ripping us off.If we are stuggling with our mortgages the last thing we need is these numptys adding charges. If the banks have been returning the bank charges then surley we should be able to get these charges back. I am hopeing that the end result will be a 30% reduction in what we owe. so we are all able to remortgage with a better lender surley they could look at doing something like this. considering they were going to sell them at 50% of the asking price at one stage.

Every time i pay they put me through to the litigation department is that because i am in arrears, i have asked them to add these to the mortgage but there hands must be tied.

My loan is over 25 years i have made every payment since i went to court for arrears. im not sticking up for these guys But they have not added any litigation charages since i went to court.If they was to do that and force me out of my house there would be big trouble i would never let them get away with it even if i had to protest out side there offices

Hopefully soon !!!!!! the creditors and investors should recieve nothing they gambled and lost. You dont get payed if your horse falls at the first do you.

Ryde the brocker i used was a crook who lived in enfied and used to smoke big fat cigars.He wasnt regulated he was one of ronnie and reggies mates how comes he was allowed to get away with organising mortgages unregulated.

I did come across that before.i am just worried about what is going to happen in the future, are we going to lose our houses. i always meet the monthly payments and i have plans to clear all the arrears early next year. We should be the first to know about whats going to happen it just seems to me its all about the investors getting there money back,what about me and my three kids.The investors should be the last ones they should be worrying about.It should be them making us feel secure in our own homes as we dont live in mansions like those rich **** bags.

I have been reading this thread for weeks im just a bit upset with it all, rates are historically low and banks want to lend at rates of 5%.dont make sense. I was sold my mortgage through a rip off broker who charged me £1000 just to get the mortgage. i think the only reason he used spml was because he got a nice cut off them while fiddling all the paperwork to get it. My credit rating was great before i mortgaged with these guys now i cant even get credit at the local corner shop.I am 8000 in arrears and i have to pay a 100 pound a month towards the arrears by court order. but this happened because i was made redundant about 2 months after getting the mortgage i am okay now but i would like to get the litigation charges back because then i would only be £6000 in arrears. I FULLY SUPPORT YOU GUYS IN WHAT YOU ARE TRYING TO DO

I think its a joke we are left in this position,i cant get a mortgage with anyone else and i am worried about my existing mortgage. As far as i am concerned the investors took a risk with investing in lehmans they have gone bust.so we should be the winners all mortgages should be wiped out. We have been ripped off ,why should people that find it hard to get a mortgage be ripped off.Well its about those filthy rich investors lost im affraid they gambled and they lost investors lost and we were the winners for once. This country is in a mess