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Pat2010

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About Pat2010

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  1. Payment arrears are £7000. We can only afford to stay in the house if eldest daughter gets her own place as we get over a third of our benefits stopped plus no claim for MIR as she earns too high a wage, l feel leaving will be better for my other children even if we have an uncertain immediate future. Many thanks.
  2. Sorry DX l meant if we are no longer in the house, not sure how long we have as everyone we have approached for advice has told us it varies and depends on the Judge/Lender.
  3. Thank you, only problem is we do not know what charges have been added recently as we get twice yearly statements. Can l still reclaim everything even if we are not here anymore? Also, the property number they are going for no longer exists (and Acenden are aware of this) what if the bailiffs can not deliver paperwork because they are looking for the wrong address, would we be frowned upon for not letting them know or is it Acendens fault for being careless? I refuse to believe that during the past 6 weeks Acenden have been doing nothing.
  4. l have no paperwork to show what the actual amount of arrears is, l mean from the courts, but l have letters showing 2 separate accounts, payment arrears and other fees. l do have all statements. Many thanks.
  5. They got permission 6 weeks ago, l just wondered why so long to send the letter out. Yes, we cleared the original arrears or so we thought, but there were still charges and fees. We have more arrears now higher, totally our fault but there was nothing we could do about it financially. We have had a few arrangements in place which they kept adding charges too and they said they had not accepted the arrangement which is why fees could still be added. Unless we made a token payment of £7000 no arrangement would be accepted. The 'agent' was horrified as he had made a
  6. We have had lots to contend with and been unable to get online, sorry. We now have a N24 General Form of Order, it was granted 6 weeks ago but we only had a copy delivered yesterday. It says it came from our local courts but the delivery address is a completely different city many many miles away? It just says leave was granted to enforce the possession order on 23rd June 2010. No mortgage account number, just our names and Southern Pacific Mortgage Limited. Since it is over 6 weeks since this was granted should we expect to receive paperwork with a date to leave by on
  7. As far as l know all payments were/are made to Acenden (Capstone/SPML) as the account number and sort code l make payment to has never changed, only the name of whoever payment is made to has changed over the years. How would l find out exactly who the payments go to? We do not have a solicitor, although we are told we can get legal advice once we get an actual confirmation of being evicted. What confuses me is why they would openly state they are awaiting permission from the courts yet l have had no warning of this before the 14th when we got the letter also wh
  8. Hello, Yes the mortgage was originally set up and agreed with SPML, we still get statements from SPML but all other paperwork is Acenden. Other than them writing back to thank me for my insurance policy they have completely ignored my other questions we are still no closer to finding out exactly whats going to happen or what to do.
  9. I have now written to the lender as l have noticed yet another insurance policy added to my account. Would l have good grounds to make a complaint to the FOS regarding the lender refusing my payment arrangement on the grounds that they expect a lump sum payment first before they would re consider? Many thanks in advance.
  10. Thank you, They charged us £92. Or so they say, not seen a statement to confirm that yet.
  11. Im back again. After a few years of going backwards and forwards payment wise (they state we have arrears of around 12k but some of this is charges and such and other insurance charges) we had a field agent visit and worked through our I&E, gave all info on disabled son and 2 other children with life changing illnesses plus proofs of benefits and such and made an arrangement to pay something off the arrears as well as paying CMI going forward, of course 3 months later they refused the arrangement but l continued to pay anyway wrote and complained that they had not
  12. Several complaints later and were back where we started. Am l allowed to make a complaint of fraud to the FOS? Am l able to do this in writing rather than over the internet? Thanks in advance.
  13. Well, still no clearer as to where Acenden stand in regard to my mortgage, had a letter today saying they more or less still do not know who they are but promise to give me a full response no later than 04/01/2012
  14. l have just checked the online account and although my 'balance' has reduced by almost £1000 my payment arrears and other outstanding amounts figures are exactly the same , how can this be? l specifically asked that the insurance repayments and any interest be paid to the payment arrears! l read somewhere that any payments to the account would be used to reduce payment arrears first - at least lm sure thats what l read. l can see what they are trying to do, they want to keep my payment arrears in the red to try for eviction. Comeback jimmy, l feel like asking again just to compare
  15. Just a quick update We had letters from Acenden today, one saying our insurance has been accepted so they are refunding what they charged from last year, lm not happy as they are trying to hold back on 7 months of payments AND they charged a £50 cancellation fee to our account - again! Secondly, another letter (3 in total which will no doubt add another hefty charge) giving our new payment, which is considerably less than what we were supposed to pay each month, but lm not sure whats included so need to sort that out. And lastly, a reply from my complaint saying they are investigati
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