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About surrey_36

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  1. Thanks DX - is a SAR the best way forward for both of these debts. Ive got in a bit of a mess with it all and think i need to start from scratch!
  2. Thanks for reply DX and Renegadeimp - I got a court date through back end of last year and it terrified me the thought of losing my house over this. They did indeed successfully scare me! Due to covid the court date was cancelled (big relief) and I was advised to try and settle the matter directly with them. I have sent SAR but the info they sent doesnt date back as far to the beginning. Am I in my right to send another SAR?
  3. I have sent Coast an Income & Expenditure to hopefully organise a token payment to them but they have replied asking for : 1. 3 months Bank Statements and proof of income, wage slips or benefits' 2. Is 12st charge mortgage on an interest only or repayment and what's the remaining term. I don't feel comfortable sending this information at all especially given the unbelievable tactics they have used before (contacting neighbours) - leaving Royal Mail while you were out cards to get you to call them etc) However, not so long ago I had court date from t
  4. Can anyone offer me any advice in regard to equity. I have small debts but one 20K secured loan. I am in arrears with my mortgage by about 7K and I just wish i could get to the equity in the house so that I could clear this amount. I cannot see how this is possible because of the debts my credit rating is terrible, but if the debts were cleared my credit rating would repair. I understand Equity release is for over 60's (Im 48) - I have an Interest Only mortgage that comes to the end of its term in 9 years - so will need repaying by then! Can anyone advise me if t
  5. I have located the proof of postage from 10th April when I posted my paper tax return but HMRC will still not allow me to have the self employment support grant. The second application is now available and they are now saying that I am not eligible for this either. I think its very unfair to not allow me the grant when I have in my hands the proof that i posted to them way before the deadline date!
  6. Update on SEISS (Self Emplyment Income Support Scheme) - my application refusal as I was not eligible as my tax return was not received by the deadline. I contacted my local MP's office and they have been dealing with HMRC on this matter. I was over the moon that my mum manage to finally locate the proof of postage from the 10th April and my local MP kindly sent this over to HMRC on my behalf. When I initially spoke to HMRC on the phone about this they indicated that as long as I had the proof of postage then I would still be eligible but in HMRC's final response to th
  7. On 10th April 2020 my mum posted my Tax return for me (Computer was not working and was unable to file online). I went online - applied for the government grant : the system said 'im not eligible because I had not submitted my return. PANIC. I called them and they advised they had not received it and I had to do it again. I was self isolating on the 10th April, so Mum had to post the return for me. She got proof of postage but cannot find it - She thinks dad might have binned it Mum wrote a statement to whom it may concern (Shes a Pastoral Assistant at o
  8. I have received the letter from Coast with an income and expenditure and their request for 3 months bank statements but i have not received the SAR they promised to send, I keep chasing this! Ill write again and request they send it
  9. Ill just copy bulk of doc: "Our solicitors were instructed as a result of legal action that took place in respect of outstanding arrears on your account. In accordance with the terms and conditions of your loan agreement, the legal costs incurred below have been applied to your account. This fee will not attract interest and will not affect your current arrears balance. This will remain on your account until you pay the fee or when your account is settled."
  10. 2 weeks ago a car went into the back of me when i was stationary. All OK and despite a massive shunt into the back of us, only one visible neck injury. I had only had the car for 1 week therefore the policy for 1 week.. I called my new insurer Hastings Insurance and asked them what the process was as it was not my fault. They said you need to log it online. I did that - the only method was by submitting a claim, Called and ask them if that was correct as I didn't want to make a claim, it was not my fault. They said this was the way to go
  11. Thank you London1971 and PeterBard, I have received a letter today with an invoice for £800 approx for their legal fees for the recent adjourned court hearing. Yes they have been bullying me for a long time. they have used some shocking tactics such as calling my elderly neighbours to ask them of my personal details and work situation and also leaving 'While you were out cards'. CAG has helped me immensely throughout this over the years. The saga continues. I wish i was in a position to just settle this up. Should I be sending th
  12. Thanks for advice on this. Bank Fodder yes you are absolutely right , I need to be more aware.
  13. An update on this thread , received a letter from Coast requesting: Completed Income & Expenditure & 3 months bank statements - I did make a mistake and spoke/or rather listened to them on the phone and they repeatedly used the words 'court hearing', several times if this information was not received. I requested they put the request in writing and also included the SAR information that I have been waiting for. I have also sent a letter by recorded delivery requesting this.
  14. Last year I received a speeding fine, and had to send off my driving license which was not received back. Around 3 weeks ago I had to drive up to Ilford in London via the Dartford Crossing. # I had to collect face masks for my local church that were delivery food parcels. I received a speeding ticket - so annoying! Ive gone to fill in the form and realised that I have not received back my licence from the previous one. I must sound like a terrible speeding driver but Im absolutely not I have a old Nissan Micra thats like hairdryer! These two times
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