Hi, anyone knows where can I download the Mortgage Express T&C? both the old one, prior 2010 and the new one was drafted in 2010? Thanks Regards Deep

Hi Guys, do you know by any chance if MX has this power (to appoint LPA receivers) if the new mortgage T&c is not signed by the creditor? does anyone have the new T&C available somewhere online? This is a very good topic, very useful, thanks guys! Thanks Deep

Thanks a lot Andy, just one more thing, if I do not do anything, what steps will Reston takes? and how long will it take before they do anything? Thanks deep

Hi All, Does anyone know if MEX can recall the mortgages if the mortgage holder gets a CCJ? is it in the T&C? the mortgages are paid in time, no arrears and properties has no equity at all. Thanks

Thanks a lot Andy, I will do as you suggested. Do you know by any chance how much time do I have from the date of the order to request this? 2 weeks will be passed tomorrow, today is Bank Holiday , so guess Court was closed but if I had only 2 weeks, than the last day will be tomorrow. The order was on the 24th March. If I do not do anything, what is the next step Restons can take? Thanks a lot for your help!

Hi, It seems I have lost the case, just got the order that I have to pay the full sum in 28 days. I have received the order just today but it is dated 24th of April. I would want to set up a payment plan as I can not pay this much out (24k) I could offer about 4k now and 600 a month top! what is the best way to deal with this? I am abroad so it is difficult for me to send payments to the Court re the appropriate forms I have to fill in. Any advice is very much appreciated! Thanks

Hi Guys, I need a bit of help here. I am mailing with Restons Re CCA but they are not accepting my mains as it is not signed! obviously I can not sign it as they do not have valid CCA and if I sign, they could reconstruct the agreement. I have signed the mails electronically as per a helpful website suggested, but now I got back a reply that due to data protection act they are not going to talk to me if my mails are not signed. I have changed address and such I am mailing from a new address to them, so, how would you make sure they accept your letters without actually signing them? Shall I call them up? Thanks John

Hi Asokn, Thanks for your reply, Would that stop them to reconstruct the CCA? I am confident now that they do not have my CCA and they have no signature on it. Thanks Regards John

Hi Guys, I was requesting CCA from Reston from my new address abroad. As a matter of urgency, I asked a friend in the UK to have it printed out and send it to Restons recorded delivery with a £1 cheque.I have got back a letter from restons addressed to my old address and it gets forwarded to my abroad address via Royal Mail that they can not communicate with me as the letter CCA letter I sent to them was NOT SIGNED! It was digitally signed from the other hand, following the advice of http://forums.moneysavingexpert.com/showpost.php?p=53600973 Obviously, I can not sign a letter to them as they can use my signature to reconstruct a CCA, what options do I have? as the communication right now is going through the Royal Mail forwarding service, can they claim that I am still in the UK and such jurisdiction holds up? Thanks Regards John

Hi Andy, Thanks for your input, what do you reckon I can do then? what is the best way forward from here? I can not pay out the full debt, that would stop the CCJ as far as I heard, but I might can pay 40%, but not more. Thanks again Regards John

also, at what stage do you start offering the FF settlement? and do you start very low and increase if needed? or you stick to your figures? Thanks a lot, John

Hi All, I was thinking how much do you usually offer for FF? and what results do you usually achieve? I managed to get down £1280 to £420 for FF once, I was pleased but not sure if it is a good result or not. Also, what happens if the debt is a lot higher? 15k? 25k? Thanks John

Hi Asokn and Gaston Thanks a lot for the help! shall I contact Reston right away with a FF offer? or wait till the 30th? and what offer shall I give on a 23k debt in the circumstances I am in? Does it make sense to contact the Court at all? would it help if I raise the jurisdiction issue or I can not avoid the CCJ at this point? Thanks a lot, I would really like to avoid the CCJ somehow! Regards, John

Hi Asokn, Yes, that is true. Would it hold up then? Thanks

Hi Guys, First of all thanks a lot for the advice you have just given me! It helps a lot! I tried to call the Court a few times but they did not help me, could not get through the lady, she was asking the claim number than asked to telk to the manager and she said she is there to help me and not the case manager, doh! So, I will try to follow both of your kind advices and I am drafting a letter to the court saying that I am not resident and want my case to be heard abroad. Would you please take a look at this draft I have so far? Thanks a lot! I have heard that there isa way to request the claimants documents from the Court, I would like to do this but not sure what Act I need to reference there. ----------------------- Dear Sirs, I hereby formally inform you that since 5th January 2012 I am no longer resident of the United Kingdom. Due to my financial circumstances as being unemployed and can not support myself in the UK, and also due to my ill health, I had to move back to live with my parents in XXXXXXXXXXXXX. Please find proof of address in a form of my latest electricity bill provided. I was not residing in the UK and I was not informed of the Court Hearing on the 27th February and such, I could not attend in person to contest the XXXXXX County Court’s jurisdiction and advise the Court that I wish my case to be heard by the FOREIGN COUNTRY Court system. I hereby withdraw my previous defence what I have filed on the 14th December and when I was unaware that I will be moving to a different jurisdiction. My aim is to settle the claim under the XXXXXXX Court System and I will try to make sure a satisfactory agreement is reached for both the Claimant and myself. For your reference, I have contacted the Claimant and its appointed solicitor in registered Royal Mail service to request a copy of my Consumer Credit Agreement, pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974). It is my second attempt to recover such documents as it was comfortably ignored by the Claimant and Restons Solicitors as well. I hereby officially request from the XXXXXX County Court all the Court documents submitted by the Claimant to support their case under the legislation of……… Please use my FOREIGN COUNTRY residential address as contact, what is: .............. This mail was sent by Fax and by registered mail as well to ensure it is lodged on your system prior the 30th of March. Yours Sincerely, --------------------------------- Thanks a lot for any help! Regards John