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helpme23

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About helpme23

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  1. Hi, For good reasons i fell behind with my payments on my Water account back in 2008, in 2010 the company obtained a CCJ against me, i accept this - we hadnt paid and nothing they could do. Nothing happened until December last year, when our financial position changed so i made a re-payment arrangement with the water company. Ever since we have made a good dent in the debt. However, I have checked my Equifax account today and the water company registered a default against me in 2015, frustrating as the CCJ has JUST dropped off - they have also not shown
  2. https://www.fca.org.uk/your-fca/documents/requirement-notices/southern-pacific-mortgage-limited-vreq
  3. Hello! I am surprised that no customers of Acenden/Southern Pacific Mortgages Limited have mentioned the recent refund of charges from SPML? I have been battling with them for years over what I believe to be overcharges and MANY others have made comments on the forums stating the same. We received a letter dated the 2nd of July from SPML, saying that they have agreed with the FCA that certain charges made between 1st of January 2009 and 31st of August 2012 were "found to be higher than the market norm" and have refunded the difference back to my mortgage account. T
  4. No, I know the fees are genuine, I questioned why they were required when I had already offered payment and the warrant could not of been fake as I had already spoke to the court and had not seen a copy of it. Either way the court are denying receiving that letter, so if the action today was because of it - that would be fairly corrupt of the court?
  5. It was OTT, I haven't been aggressive towards them in the past, haven't called threatening them - literally didn't speak to them at all! The only things I can think that may have caused such a response is if the court handed my letter across to them, or I really p****d them off with the last complaint?
  6. That is what happened, unfortunately I have had dealings with Marstons in the past (about 4 months ago), and complained to them when they clamped a Hire Car and refused to remove it for 2 hours, it was a different bailiff - but strangely they both had the same name! So unless they have just decided to bring in the heavies because of that?? It was just a complaint, never progressed to a Form 4... The complaint to the court was based around charges and the involvement of the bailiffs in the first place (as I had made payments and offered payment to clear the balance). Just to note - I
  7. That is exactly what happened, the Police Officer said he wasn't interested in anything I had to say, he knew the law, the bailiffs were a professional outfit and not a bunch of cowboys and he would arrest me if I didn't pay them or let them in to remove goods as I would be breaching the peace - I spoke to them again after the bailiffs left and he repeated the above (2 officers attended, 1 hardly spoke).
  8. Thank you.... notes below:- Yes, the original debt was near £2000, the rest was paid directly to the court BEFORE Marstons became involved. No I didn't write to Marstons, I was advised by the court that if I didn't answer the door they would return it to the court. I contacted the court the day after the first visit to offer payment, they refused and said I needed to speak to Marstons IF I wanted to pay. The court confirmed today they had that call on their records. I did also write to the court at the same time, but they have denied receiving (Should have sent recorded I know!)
  9. Can anyone advise on this one? I was visited a number of weeks ago by Marston Group foran unpaid court fine amounting to £175. Marston added on to this another £300in fees and charges, they posted a letter through my door in my absence. Ispoke to the court at the time and offered them payment but they refused toaccept because it was with the bailiffs but I was told by the court that theBailiffs would hand it back to them if they did not receive payment (DistressWarrant), so paid nothing and waited for it to be handed back as at this pointthe bailiffs fees would be removed. This morni
  10. Ahhh, may just have to wait a while then, thank you for your help
  11. Okay, I have paid the amounts ordered by the court for six months, so have kept to a payment arrangement (albeit clearing arrears) would that count? Or would I need 6-12 months of CMI payment without paying arrears as well?
  12. I have checked with the land registry and it shows the mortgage charge only, and I still have the mortgage - just no arrears on it.
  13. Can anyone help? I have had problems with everyone's favourite mortgage company and had a suspended possession order served on me in 2007 - I have just cleared all arrears and am now working on recovering charges - now I owe nothing - can I apply to have the possession order cancelled as the mortgage company have refused to move it? I just want to get it cancelled so if I do hit problems again at a later date I have some protection from immediate eviction.
  14. Because from this side, i phoned them in January about the level of charges applied, and they actually LIED to me about the amount they had added on!
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