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sam1234

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About sam1234

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  1. i haven't accepted anything from them just called and questioned their reasoning behind their decision. told them I wasn't happy with this and would be writing to contest. I have all the statements and just running out onto spreadsheet. There's a lot. I was 4 months in arrears and repaid all outstanding debt. charges with solicitors cost £4,947.
  2. yes i have all the statements
  3. I have a problem with E-Mex/Nationwide. I sent them a letter (template from this site) asking for unfair charges to be refunded. Took the mortgage out 10 years ago (interest only) and have now just sold. a few years into the mortgage i got into difficulties and they served a possession on me which I managed to get suspended. Since then the account has been up to date arrears paid up etc The charges on the account however, total nearly £5000 all of which consist of DD charges and solicitors fees of £2000. I received a letter from Nationwide saying that they had reviewed these charges and would be refunding £800 to my account. I called them and they try to side track you saying that Emex levied these charges etc but they have made a gesture and think thats fair. When I challenged them on the £2000 solicitors fees from as they put it third party companies, I was told that I could not see them as this was a transaction between Emex and their own third party solicitors! One of the issues that created these charges were caused by the fact my wife paid it every month by way of Bank Transfer and although the money hit their account instantly, they said it could take up to 7 days to find its way to our account. Which meant we would be in arrears. I dont know really where to go with this? any help greatly appreciated
  4. I have the same problem with E-Mex/Nationalwide. I sent them a letter (Template from this site) asking for unfair charges to be refunded. Took the mortgage out 10 years ago (interest only) and have now just sold. a few years into the mortgage i got into difficulties and they served a possession on me which I managed to get suspended. Since then the account has been up to date arrears paid up etc The charges on the account however, total nearly £5000 all of which consist of DD charges and solicitors fees of £2000. I received a letter from Nationwide saying that they had reviewed these charges and would be refunding £800 to my account. I called them and they try to side track you saying that Emex levied these charges etc but they have made a gesture and think thats fair. When I challenged them on the £2000 solicitors fees from as they put it third party companies, I was told that I could not see them as this was a transaction between Emex and their own third party solicitors! One of the issues that created these charges were caused by the fact my wife paid it every month by way of Bank Transfer and although the money hit their account instantly, they said it could take up to 7 days to find its way to our account. Which meant we would be in arrears. I dont know really where to go with this? any help greatly appreciated
  5. This happened to me as well with the mortgage works. I fell into arrears 6 years ago and paid off the total in one lump sum. I got a letter saying i was £7 in arrears and the still have a suspended possession warrant. Yes £7 no joke. I called them to ask why they thought it appropriate to send out such a letter and how did they still have a suspended warrant of 6 years. This was their answer "We keep them for six years as a minimum and in certain cases for the lifetime of the mortgage even if the arrears are paid off" I have made a complaint and asked them for a written statement confirming how they can get this through the court.
  6. Yes I have applied to court to set aside and requested further information from debt collectors and 1st credit to furnish me with date debt assigned, information they are holding on me. haven't done anything else yet.
  7. it was delivered by city link and signed for. I moved some years ago and havent had any dealings with the company since inception
  8. stat demand under section 268(1)(a) 0f insolvency act 1986 amount is for £1740 Associates Capital Corp agrement. the benefit of the debt asigned under agreement to 1st Credit finance ltd dates 22/10/2004
  9. Hi I seem to have a similar problem! I received a letter from debt collectors delivered by City Link couriers and signed for. Anyway it was a admin order for bankruptcy giving me 18 days to respond. The claim is for a debt that is just short of six years old and it looks like the are serious.Ive never had any contact with them in this period but this just came out of the blue. i would also appreciate any advice thats out there sam
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