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About smurray139

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  1. Yes, they had previously raised that issue twice with the mortgage adviser. I forgot about that. Mum has moved out last week and got her own flat. As I said they previously raised this as an issue, but they were informed she would not be living here and were happy to proceed further. I have to meet the adviser tomorrow. I will raise that also. Any other advise is much appreciated and thank you folks. They were informed at the very start about this and were happy to proceed, but they halted the application about 3 months ago because they wanted information on where my mum would live which they were given and they proceeded with the application after they were satisfied with the information we gave them.
  2. Basically my completion date was set for next Tuesday. I am buying the house off my mum and dad. House is valued at just under £60k and they are selling it for £36k which is fine to me. Mortgage was agreed with Halifax, they credit scored me several times and I passed. There were a few amends to the offer but they amended and made another followed by credit scoring etc. I passed them all. Mortgage adviser phoned me today to tell me they had withdrew the offer after they credit scored me today. I have checked my report on all 3 credit report sites and absolutely NOTHING has changed. I have no outstanding debt, I have never had a missed payment, I do not owe anything. I recently closed a bank account and that is showing as a negative on Experian. I changed bank from one to Halifax after we had agreed on the mortgage offer. I asked Halifax if this would be an issue in branch and they informed me it would not affect my mortgage application whatsoever, but that is the only thing I can think of. Nothing else has changed. The house is being sold below its actual value. Everyone is making money here. Can anyone please advise me? Everything had been set up with the Halifax to release the funds on Tuesday and they had agreed to do so, but they have pulled out at the last minute. They have said it is due to a credit score, but again they have repeatedly credit scored me and been fine and have told my adviser that I had passed their scoring criteria. I am at my wits end here.
  3. Ok, I am considering ringing the debt collector today. Can anyone give me any tips on how to approach this? How much should I offer to pay each week? Would £5 suffice?
  4. Ok, basically I had a £500 overdraft after university and fell into hard financial times. It has not been paid and has been outstanding for 3 years. I have previously went into the bank to discuss this and twice they promised someone would contact me to discuss the matter, but nobody ever did. 2 weeks ago a debt collector called whilst I was at work. Today I received a letter demanding full payment by Monday 18th or legal proceedings will be commenced, this letter was sent by genuine solicitors. It said I would then have to pay ALL legal costs + the amount. The thing is I am in a part time job which pays very little, at most a week its £120, when expenses are taken out I have enough to get to work the following week and that's about it. I'm helping my mother pay her mortgage. Will I be liable to pay these legal costs when I earn very little? How would this work out? Many thanks, One other thing the letter tells me to contact someone at DCSI LTD to discuss payment or proposals for payment before the 18th. I am assuming this is the debt collector, but I have never ever heard of them, nor spoken to anyone from there
  5. You are right there. My mother buried her head in the sand. I was more angry she had not told me straight away as I work and can deal with it. Probably too afraid or embarrassed. My mother went in today and paid £100 off, and I'm paying £40 every Friday so that covers the £103+ money towards the arrears of £57, she is then paying £100 every 1st week and third of each month. The guy said there should not be a problem with what we are offering but to come in next Wednesday and speak to their specialist mortgage advisor and he would be able to sort it out with their litigation team, so I'm happy with that. Thanks for your help. It is greatly appreciated. My mother was with the old Alliance & Leicester now Santander.
  6. My mother has recently had a hard time financially, but today I came across a letter from this week from the bank where she has a mortgage, stating it has started proceedings for its solicitors to create a court hearing to repossess her house. On the letter it shows what she has been paying, the expected payment is £103 each month, but she has been paying £20 one month, £70 etc the next, not a regular payment plan at all. The arrears are currently £1200 odd. I will be paying £100 tomorrow and have said I can pay £160 each month for her. She will also pay £100 off on Monday, which I will make sure of, and then make payments of what she can. Will this be acceptable to her mortgage lender? Does anyone have any advice? As the expected payment is £103, and I am willing to pay £160, +£200 this week should start to bring it down. What are the chances the bank outright rejects this? Will her house be repossessed or should this plan be acceptable? I am working tomorrow, but my brother will be going with her tomorrow to speak to the bank along with a budgeting plan outlining what will be paid each month and when, created by myself, but is basically similar to what I have typed here. I live with her, and until recently was unemployed, but will be giving her pay slips to show the bank there is a regular income and this £160 will absolutely be met on time + my mum will be making regular payments twice a month towards reducing it. Thoughts? Thanks very much,
  7. I am a 22 year old student who has finished university with a £513 overdraft. Without this overdraft I would have been unable to complete my studies and three years of work would have been finished without obtaining my degree. I had went into the bank speaking to the students advisor who told me straight that the bank would not extend the overdraft past the expiry date as I had been late with a few direct debit payments. Since then I have been sent letters demanding immediate payment. Today I received a letter dated the 10th June 2011, saying I had to pay the full amount by the 14th or they would take action, against either a surety (don't think I have one?) or take me to court, details passed onto a debt collection agency etc. The letter was sent under the Consumer Credit Act 1974. Can anyone give me advice or help me? This is causing depression and fear. Since university I have been finding it hard to gain full employment. I am on Jobseekers until 2 months time when I have a work placement arranged which is paid employment. There is absolutely no way I could lodge that amount by tomorrow, or even within the next two months as I have live off £53 a week and pay £15 a week housekeeping. Please help, Thanks
  8. Thanks for your response dx. I have a few more issues I would like to put past you. I bought the laptop last April, and in November it broke down. Currys have a 28 day return policy. They returned the laptop on the very last day. I would have been entitled to a new machine the next day. Now I have screen issues. Surely this shows that the machine has not been fit for purpose? All these problems within just more than a year? Nothing has happened to this laptop, it is not due to neglect or being treated poorly. What are my rights here? Do I absolutely have to allow Currys to repair the faults, or can I request a replacement if there are manufacturing problems with the machine? Thank you again. I have read that I can request a repair or a replacement immediately, if the goods are faulty (and found to be faulty by an engineers report) . Is this true?
  9. Hey everyone, I need some advice here please. Basically I think my laptop screen has started to fail. I received a blue screen of death about two weeks ago. When I play videos the screen messes up. I also noticed random different colours flashing across the screen randomly and then disappearing, so I'm assuming the screen has started to fail. Last November I had to get the power within the laptop fixed as that failed. I emailed the Chief Executive of Dixons Retail last Friday about this, quoting their obligations under the Sales Of Good Act. I received this response today, which I am not happy with. I do not trust Currys / Dixons to examine my laptop at all. The last time I sent my laptop under warranty it went missing for a week and nobody knew where it was, showing their incompetence. Here is the email I received: Thank you for reading this far, could I get some advice and help on how to reply to this? As I said I am not happy with sending my laptop off to be examined by their engineers. They could easily "damage" the laptop and blame it on me for all I know.
  10. Just phoned the store again asking what the hell was going on. Girl said she'd do it now and to give her 20 minutes or so, so we'll see. EDIT: Looks like it is actually sorted - Had a phonecall from a gentleman from Scotland. Firstly he apologised for the length of time it was taking. Also said due to weather conditions last week there were issues getting the parts in. Basically told me all the parts had been fitted but they were waiting on a heat sink being sent to them. He told me they had ordered the part, he had made sure of that and it would arrive by Thursday and be sent out by the end of the week, so I should have it next week sometime. Then 2 minutes later a girl from the store phoned, said the same thing and also said they had ordered a new lead and power adapter for the laptop. Also reminded me that they had 28 days to get it back to me or I had to be given a new one, which was kind of her. She also told me to watch the dates and if it was over 28 days not to hesitate in demanding a new one. Also gave me her name and to ask for her immediately and she'd get a new one. Looks like all is well hopefully.
  11. Make sure for the subject of the email to Browett you put "Complaint". That should do the job.
  12. I emailed John Browett last night and received a responce from a man this morning, stating he had passed it onto their Medic Team, who would email within the next few days.
  13. Who could I contact to find out what is happening with my own laptop and The Tech Guys?
  14. Basically I bought a PC not too long ago. The thing broke down and was sent for repair. I didn't have the receipt so the lady there printed out my receipt, as it was still under a year warranty. That was 2 weeks ago. I called in today and the woman behind the counter asked for a docket. I explained I never received one. She said everyone gets dockets. I told her the lady never gave me one or indicated I should receive one. She told me that one engineer couldn't fix the laptop, and it's been passed to another engineer. She gave me a number and told me to ring her tomorrow and she'll find out why it is taking so long. Anyone any advice? Ever dealt with these groups before? I hear I can get a replacement after a certain amount of weeks? They do have the receipt, so they should be ok without asking for one, right?
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