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gfj

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About gfj

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  1. thanks m8 first time ever on a forum so any help is welcome and wheres your star?
  2. Hi I wonder if you can help me I am at my wits end I own aproperty with my ex-girlfriend, We split up in 2006 with her living at theproperty with the children after a court ruling which also confirmed she wasentitled to half the house it was agreed by private arrangement between us as Ihad paid the first half of the mortgage on my own with no help from my ex, Andas she was entitled to half she should pay for half, my ex agreed and for 5 years I now know thiswas the case Now over a year ago I was solicited by a ppi claim firm so Irang the mortgage company to find out if ppi was on my mortgage only to be told"was I aware that my mortgage was on interest only payments"!! And totop it had been this way for 36 months The mortgage works (TMW) now part of nationwide buildingsociety has made major changes to my mortgage without my knowledge or consent!And I believe has resulted in a breach of their contract and also failing toput in place after a reasonable time period (I am informed by TMW of it beingapproximately 3 months) a capital repayment vehicle all of which would beacceptable to themselves, all of this is printed in bold letters on everyletter i now receive I complained which resulted in the mortgage being revertingback to repayment, My ex refused to pay, I offered to allow interest only if myex via a solicitor put forward a plan to pay the capital as per their ownpaperwork and rules they refused to get involved!! even though they had causedthis problem. And the property fell into arrears and then TMW startedrepossession proceedings and the property is now up and is in the last stagesof selling. There is a court order pending for repossession on 7th January2014. TMW refused the complaint saying they were following rulesset by the fos and acting fairly to my ex on low income (but not fairly tome!)and it was then sent to the fos who also refused my complaint (no wonder ifindeed the fos rules allowed this to happen) without no mention of the timeallowed on interest only, no vehicle in place etc let alone my consent, notupholding any part of my complaint and taking no notice of my updates into thefailings and conversations with TMW. Indeed saying I should take my ex to court I am indeed thinking about this but feel that had i beenasked at the time I would have answered the same, my ex to put in place avehicle to pay capital and if not the property would have sold then! Not witharrears on it, letters, and court costs and as no payments have been made forthe last 5 months due to TMW informing my ex of my liability a high redemptionfigure. Also as my consent was not sort, I have lost approximately £8000 incapital payments had to reduce the property so to get a quick sale beforerepossession and the fact selling wasn't in the plans the property wasn'treally ready for sale and TMW have to be held to account for this? When werethey going to tell me? When I was liable for £35000-£70000?? at the end of themortgage term. I also feel that the fos has treated me unfairly as TMW ishiding behind fos rules and a quick look on their website has resulted in themupholding far less involved cases! One involving early redemption clausessaying their costs and terms was hidden on page 5 subsec 24! And even payingout for his distress! My rules come on every letter and underlined and in boldtype. TMW have said that they didn't have a forwarding address forme but I informed them that I had indeed left the property and their obligationto both parties ref in a letter sent by my solicitor back in 2006 referring topayment changes which they have still on file What conversations TMW have had with my ex in relation to meI do not know and indeed my ex has never said and has obviously deceived me atevery stage but if she was asked or told changes would require my signature shecould have passed me letters or asked me at any stage I was in contact viaphone, text, email, facebook, work, etc and seeing my children on a weekly basis's and I was indeed relaxedabout the property due to what I thought was the safety of two signatures andthe mortgage contract. And as I was no fixed abode for 5 years after eviction Icould give no address You can’t even begin to understand the stress this hasbrought to me out of the blue and to my current partner who is having to go throughthis with me, something we both agree should have been sorted out three or moreyears ago before we met TMW has failed to act in the best interest of both of itsclients and acting impartially, swinging to my ex and leaving me exposed. Do I have any recourse in relation to these sets ofcircumstances? I await your response in anticipation due to the imminentforced sale of my property and once these matters are closed redress may beimpossible to come by?
  3. Hi I wonder if you can help me I am at my wits end I own aproperty with my ex-girlfriend, We split up in 2006 with her living at theproperty with the children after a court ruling which also confirmed she wasentitled to half the house it was agreed by private arrangement between us as Ihad paid the first half of the mortgage on my own with no help from my ex, Andas she was entitled to half she should pay for half, my ex agreed and for 5 years I now know thiswas the case Now over a year ago I was solicited by a ppi claim firm so Irang the mortgage company to find out if ppi was on my mortgage only to be told"was I aware that my mortgage was on interest only payments"!! And totop it had been this way for 36 months The mortgage works (TMW) now part of nationwide buildingsociety has made major changes to my mortgage without my knowledge or consent!And I believe has resulted in a breach of their contract and also failing toput in place after a reasonable time period (I am informed by TMW of it beingapproximately 3 months) a capital repayment vehicle all of which would beacceptable to themselves, all of this is printed in bold letters on everyletter i now receive I complained which resulted in the mortgage being revertingback to repayment, My ex refused to pay, I offered to allow interest only if myex via a solicitor put forward a plan to pay the capital as per their ownpaperwork and rules they refused to get involved!! even though they had causedthis problem. And the property fell into arrears and then TMW startedrepossession proceedings and the property is now up and is in the last stagesof selling. There is a court order pending for repossession on 7th January2014. TMW refused the complaint saying they were following rulesset by the fos and acting fairly to my ex on low income (but not fairly tome!)and it was then sent to the fos who also refused my complaint (no wonder ifindeed the fos rules allowed this to happen) without no mention of the timeallowed on interest only, no vehicle in place etc let alone my consent, notupholding any part of my complaint and taking no notice of my updates into thefailings and conversations with TMW. Indeed saying I should take my ex to court I am indeed thinking about this but feel that had i beenasked at the time I would have answered the same, my ex to put in place avehicle to pay capital and if not the property would have sold then! Not witharrears on it, letters, and court costs and as no payments have been made forthe last 5 months due to TMW informing my ex of my liability a high redemptionfigure. Also as my consent was not sort, I have lost approximately £8000 incapital payments had to reduce the property so to get a quick sale beforerepossession and the fact selling wasn't in the plans the property wasn'treally ready for sale and TMW have to be held to account for this? When werethey going to tell me? When I was liable for £35000-£70000?? at the end of themortgage term. I also feel that the fos has treated me unfairly as TMW ishiding behind fos rules and a quick look on their website has resulted in themupholding far less involved cases! One involving early redemption clausessaying their costs and terms was hidden on page 5 subsec 24! And even payingout for his distress! My rules come on every letter and underlined and in boldtype. TMW have said that they didn't have a forwarding address forme but I informed them that I had indeed left the property and their obligationto both parties ref in a letter sent by my solicitor back in 2006 referring topayment changes which they have still on file What conversations TMW have had with my ex in relation to meI do not know and indeed my ex has never said and has obviously deceived me atevery stage but if she was asked or told changes would require my signature shecould have passed me letters or asked me at any stage I was in contact viaphone, text, email, facebook, work, etc and seeing my children on a weekly basis's and I was indeed relaxedabout the property due to what I thought was the safety of two signatures andthe mortgage contract. And as I was no fixed abode for 5 years after eviction Icould give no address You can’t even begin to understand the stress this hasbrought to me out of the blue and to my current partner who is having to go throughthis with me, something we both agree should have been sorted out three or moreyears ago before we met TMW has failed to act in the best interest of both of itsclients and acting impartially, swinging to my ex and leaving me exposed. Do I have any recourse in relation to these sets ofcircumstances? I await your response in anticipation due to the imminentforced sale of my property and once these matters are closed redress may beimpossible to come by?
  4. hi all i think i will be needing your help so let me start by aking where should i start my thread/question it is in relation to a major change made by my mortgage company without my knowledge or authority and the FOS thanks gfj
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