it was me that brought it upto the top sorry

i have been looking into renting a house because at the moment we are paying out and have nothing at the end of the month, we have missed a few mortgage payments , so would we be accused of making ourselves homeless if we let the house go and went into renting a house, the thing is with a rented house we would qualify for housing benefit which would let us have bit extra each month as we both work but have low wages >

My mortgage company charged around £150 in late charges , the bank on both mine and husbands accounts have about £200 on each in charges .

can i reclaim overdraft charges and other late charges or whatever they charge on accounts even if it is in a dmp ?

I think the £10 was taken off the debt because it went down by £10

Yes it was cashed and the SAR was to the original creditor but we went through a debt company , I am going to have a look through my old email's to find the guy who dealt with it and get my husband give him a call and question why we never recieved the documents of everything the creditor has on us, the original creditor is citi financial , then they sold it onto 1st credit .

well we never recieved even an aknowledgement letter to say the sar had been applied for .When my husband phoned to enquire what was happening he was told that there was no unlawful charges . We left it at that ,but if this were to happen today we are much wiser and stronger so would never have been shrugged off so easily .

I would just like to add that my parents have bailed us out big time , they have paid the bills up to date and put some money into the bank for us. They said they have done this because when they die we will get inheritence anyway so might as well have some of it now while times are tough , I was overjoyed but at the same time never wanted to consider my parents dying but they are both nearly 80 and i do pray they are here for a good few years yet . The thing is they have a massive house and they own it so when they do go it will be split between me and my two brothers , my dad said we should keep trying and if we don't have money for the mortgage again to let him know and he will pay it and as it can be paid off when we do eventually receive our inheritence . It's not nice to talk or think about but my parents wanted to help .

We never recieved anything we just phoned the company who were dealing with it as we never heard anything for months and all they said was that everything was within the law with it .

Hi , I did think about reducing the dmp , the highest debt repayment is on the charge and that is £28 per month , is it possible to get this reduced along with the others or is it now set by the judge ? My parents would help if we lost the house ,but that is a last resort . We used to pay £380 per month on dmp , then reduced it to £225 , then to £77 , so you can see the change in our cirumstance . We really don't want to give up on the business we have worked hard for 20 years and to just let it go isn't an easy thing to do although we have considered it , but like I mentioned we may as well keep on with it because with council tax benefit and working tax credits its still better than jsa ,plus its good for the soul to be at least trying to help yourself . Things usually start to get better after easter so we are still hoping and we have applied to do some outdoor markets too .

thank you for your reply , i am not sure if i had PPI most of the debts are from cc from years ago , so probably too late now even if some did have PPI on them . We paid £10 for a SAR on a loan we got about four years back and never heard anything then when we did enquire it seems everything was fine lol so nothing to claim on that , but i am sure i have kept all the statements so i could look through them , but not sure how long you have to claim ?

hello, I have experienced a charge on my property and as far as i know the house cannot be sold without the authority of the judge who allowed the charge to go on the house. you can go back to the court where the charge was authorised and state your case to the judge and ask not to have the house sold.

hello, I have applied for jobs all over and never get them i go for interviews but never get them , my husband has also applied and is not successful, we live in an area where unemployment is high and jobs very scarce, i think we will have to let it take its course and end up on the scrap heap after 20 years of hard work all for nothing . the funny thing is this , if we lived in a rented house we would be ok as most of the rent would get paid , but becuase we have a mortgage we get no help at all .

Hello, I am new here and as you can see from my name i am in deep and feel there is nowhere to turn. I run a small market stall with my husband its failing fast , we claim working tax credits the max and have a mortgage, morrtagae is on interest only and dmp is under £77 per month on £44000 debt , a charge for £5500 on the house , the reason we keep going is because we are making about the same as we would if we were to sign on , the tax credits and what the business pays is around £200 a week , if claiming jsa we would have no council tax to pay and some of the interest on the mortgage would get paid eventually , but we rob peter to pay paul all the time . I really don't know where to turn here because we are just existing i am really depressed and its making me feel ill with the worry of when the business will make money if any , some weeks we have made only £40-50 and have missed the mortgage. We haven't paid the water bill since Noverember 2011 and just got a new book through with an ammount of £57 per month to start paying. I know this is wrong but i am so scared of the debt collection agents that i pay them just to stop them taking any action against us as we have been to court 3 times and i might add we won ,but its very unpleasant and does not do much for the health. if we came out of work and stopped paying the dmp would they make us bankrupt ? at the moment we don't have equity in the house because of the charge on it , but if they made us bankrupt we would be homeless as we don't have any kids now living at home and with our bad credit rating and ccj's and the charge we would not get a rented house i have enquired about this and have been refused so that is out of the question. we would probably end up living in the back of the car .