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lollyjoy6

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About lollyjoy6

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  1. Has it changed not much it still does not feel like home .It's furnished fine no problem there but if it was in an another area I'd be delighted.I'd love a car again so walking everywhere I refuse to pay for a bus ticket of over £4.00 a day to go anywhere.Life seems to be in one straight line back and forth I am in an area I went to school got married at the local church.I lived on this same road in rooms with my mum and dad when they had a house fire and lost everything in 1962.I honestly never thought I'd end up here in my late 50's just can't feel settled.Some people love a big house I feel
  2. FOC didn't uphold my complaint but the wording of the letter more or less left them sitting on the fence...I did have a statement of accounts from my mortgage lender but they had printed written off...but no doubt they've written it off from one of their companies and passed the shortfall to their sister company to collect it.There is a money judgement on the repossession papers from the court to be adjourned and restored at liberty.Not that I've got anything to give to them other than a pound!like I give to my other unsecured debtors.I'm thinking any day soon they'll have me back in court not
  3. I have a complaint regarding the under valuation of my old property sold in May 2014 with the FOS.I am going to check the mortgage contract as I'm sure I've come across this wording of repossession.I do have some of the information I requested regarding the sale of the property the surveyors reports but also an email of the estate agent stating to go in on a lower offer and test the waters and see what happens..I did email under another name to the Estate Agents and they were making out that there was a lots and lots of people lining up to view this house.They make reference to an other proper
  4. Thanks for your reply.Feeling like I'm getting there changed my kitchen table and chairs and it looks and feels different in the kitchen.Gone back power walking about 5-8 miles a day.I realised I can sit and feel awful or do something about it.Still knitting and reading but the darkness seems to be so much better.
  5. You'll find some good advice on here .I lost my house last year fought for 4 years to keep it. With regards your local council do they have a homeless unit? My local council has one and were informed of my situation although they were trying to push me towards private rental which was impossible with the fees etc. I went for an interview with one of their officers and I used to phone them 2 or 3 times a week as they were telling me that I had to be seen to be helping myself by looking at rental properties in the private sector. They admitted I'd ha
  6. I've been knitting like mad just simple things which occupy my mind...Just knitted 5 scarves this week...now onto a Baby Blanket...I've knitted since I was a child when I went to live at my father's I couldn't take everything like my sewing machine and all my books so I took my knitting.It helps to relax me.Yes some days are worse than others cooking is still a chore at times.I suppose it's my frame of mind at times thinking how hard I've worked over the years and now it's counted for nothing.Like said in the post up above it's only Bricks and Mortar and will still be there when I'm long gone.
  7. Thanks haven't seen anyone.Ironic that for 24 yrs I've supported my husband with his mental health issues reading researching his issues and understanding where he was coming from at the time not even my family knew how to cope with it all the days before anyone acknowledged Mental Health.I'll keep going just take it as it comes.I am grateful,My children started this journey still at school and college now three have got wonderful well paid full time work something so hard to come by nowadays.Just one left at school in the last year.I'm a creative Artistic person but even some of the things I'
  8. Still fighting with my negative thoughts.Been in my house now since march 1st but honestly and truthfully I'm not settled here and really when I can I'll be looking for a swap.I thought after all My family had been through this would be a new start I even was so positive about it all.I don't yearn for my old house or even dream of being back in it.It's sold now.This House is a massive Victorian end terrace 3 floors massive cellars but I haven't fallen in love with it at all I keep trying but I just don't get any vibes from it.We've furnished it nicely the children have their own rooms.It's lik
  9. I've no letter from a debt collector as yet but they did have a money judgement in place to restore at liberty at each court hearing. So do I wait for them to contact me? they didn't have any indemnity insurance that they've claimed off they've told me that in the information I received. My husband and Myself are technically insolvent we've been advised to go Bankrupt but not the two of us together. I know the joint debt of the property would be passed to me if My husband did this first as he has the most debt out of the two of us.
  10. Just been through the info sent from the mortgage lender. I've looked at all the statements for the Mortgage and secured Loans dated for july and all the balances are showing 0.00. I've looked through the statements and I see wording of "written off" These are detailed just 2 weeks after the property sold but I received a letter in June demanding the short fall which was a short worded letter. I have a complaint in with the Ombudsman regarding the valuation and the price it sold. Is this something that they can do. I told the FOS that they'd have no chance o
  11. Received the Information from the 2 surveyors who valued the property. One survey in the part which states anything that can affect the property and it turns out that they took advice from my ex next door neighbour regarding when I bought it from the council. This statement is in the part of the survey which is incorrect and frankly has left me seething with anger that a Professional Person would take a here say comment as the truth and add it to the comments regarding the property. I have a complaint in with the FOS and they keep quoting in conversations to me that only P
  12. Found out that the lease was incomplete at the Land Registry and that an indemnity policy was taken out. Land Registry have told me that our names will remain on the lease unless the lease details are changed.
  13. My late Mortgage lender took repossession on the freehold title land which the property didn't sit. they didn't take into account the leasehold which the property stands as mine and my husbands names are still on the leasehold. I've checked with the Land registry the new owners are listed but the leasehold doesn't have their names but mine and my husbands. the Land Registry have just told me to inform the mortgage lender but as I'm in dispute I'll leave it for them to find out.
  14. Hi does your council not have a homeless unit to speak to.I went to mine had an interview as I had a 4 children at home but 3 now over 18 but a 14 year old.They would take into consideration the children under 16 years.I was told then that I needed a 5 bedroom house which I am in now as I've 3 girls and one boy.I was living in a 3 bedroom house before.You really need to see a welfare rights officer to see what you are entitled to.I waited for the eviction date so I could be rehoused by my local council.I know for some it might not work out like that depending where you live in the country.The
  15. You could try and stay in the property and sell it.If you are hoping to be rehoused by the Local Council then you'd have to wait until eviction as Local Councils see it that you've made yourself intentionally homeless if you hand back keys. Then on the other hand if you sell and left with any profit you probably wouldn't be entertained by your local housing Dept as you've money over from the sale this would be considered in a Benefit claim.I was on the understanding that if you hand back the keys you are still responsible for the property insurance council tax etc.Also if you sign any
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