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About mizzbabyjess

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  1. Hi, I’m not sure when the Possession order was made, I managed to borrow some money to pay them, so the possession order was cancelled. I will check for the original agreement in the bundle they sent me when I sent a SAR. They are saying that the agreement ended in August and therefore the total amount of arrears outstanding is £16000. I previously posted all the charges they are saying.
  2. Hi, Im about to send off the mortgages charges reclaim letter, the spread sheet that I am sending with it says at the top Monthly payment of PPI and PPI redress calculation. Is that ok seeing as no claims can be made against PPI anymore.
  3. Thank you for your advice. so do you think I should go ahead and send the reclaim letter and charges at this moment with the current covid19 or wait? sorry if it’s a dumb question.
  4. Im in the process of sending the reclaim letter, and was thinking because of all what’s going on with the corona virus, was it the right time. Then I have just received an email from Equifinance saying that they have not received my response to their letters, when will they hear from us. I really can’t believe them, with all what’s going on, my husband is currently not able to work because of the situation and the government advising these people to be lenient in these extreme circumstances, and Equifinance are on my back.
  5. Hi Ive attached the Stat Sheet StatIntSheet v101:Equifinance.xls
  6. I have now completed the spreadsheet, and the total is £18,100. what is the next step? Thank you
  7. The entry Fees Postings’ vary from £25.00 to £450.00, so strange, I am including them along with the Interest on Fees
  8. Yes it says interest on fees and it also has entires of posting fees, not sure what these fees are.
  9. hi just a quick question, I'm completing the spreadsheet, I've included late payment fees, arrears management fees etc, should I also include the dates of interest charged by them eg 05/10/2013 interest charged £233.29 & interest on fees? sorry for the question but I want to get it right.
  10. Thank you, I am getting on to this day, haven’t been well so only been able to start this. I will let you know when it’s finished.
  11. Ive attached the letter thank you Equifinance letter:Consumer action.pdf
  12. Thank you. i have just received a letter from Equifinance. Stating the fact that they cancelled the Bailiffs Appointment on 05/02/20 following the payment of £3000. They continue that as a redemption didn’t take place on 14/02/20, can I advise of my intentions moving forward regarding the remaining balance. They also state that if a satisfactory agreement cannot be reached within a reasonable timeframe, they will apply for a further bailiff appointment for repossession. They end with for the avoidance of doubt, we will not be able to cancel any further repossession action, if we are compelled to go back to court again for this. Obviously I do t want this to happen so can anyone advise as to what I send in reply. thank you
  13. Hi can someone advise as to the next steps now I have received all the paperwork back from Equifinance? Thank you
  14. Hi, I have today received a huge box from Equifinance full of paperwork in response to the SAR. can someone advise as to where I start, it’s quite mind boggling. Thank you
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