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Baching Mad

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About Baching Mad

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  1. Hi Andy Thanks for your reply. Looks like I've only got the option of either paying off the mortgage by downsizing in 3 years or extending the existing mortgage for 7 or so years on their terms. Cheers BM
  2. Hi Andy and Mr P Thanks for your replies. I used my pension pot to pay some of the capital off and keep the rest as savings. I could use these but I would not have any savings left. Woolwich quoted me for 5 years extension not 7 years. I'm prepared to work until I'm 70 if I have to. I get my state pension at 66. I'm also married but my wife (51 years) is likely to be made redundant in November this year so we will miss her earnings. She will obviously try and get another job. I don't really want to go down the equity release road as I've heard it's not a good idea and I haven't heard about sale and rent back agreements. Cheers BM
  3. Hi Andy Thanks for your reply. I paid off as much capital as I could with the endowment payouts. I still owe approximately £30,000. House is worth about £260,000. Is equity release the way to go? Cheers BM
  4. Hi Advice please. I'm likely to be unable to pay off the capital amount owing on a mortgage with Woolwich in 3 years time. I've informed Woolwich of this and all they say is try and pay off as much as you can and then you'll be able to extend the mortgage with them when the term ends. I've got a great tracker deal at the moment which is interest only. Woolwich have calculated that any new repayment mortgage with them will be approximately £500 to £600 per month which I won't be able to afford. I got made redundant 5 years ago and have struggled to find full time well paid work since. I now work part time and am trying to pay off as much as I can. I 'm 62 this year and I have got a small private pension which was given to me as part of my redundancy package. My mortgage ends when I'm 65 and I don't really want to be paying a mortgage after then. My endowments didn't pay out as much as expected and I did get some compensation which I paid off some of the capital owing. I know that I can downsize my house and pay off the mortgage but I don't really want to do this just yet. Can anyone suggest any alternative options. Many thanks for any help given. Best Regards Baching Mad
  5. Hi Everyone Just an update to say that I've had no further correspondence from Harlands/CRS since August so I guess they've dropped my case! So it can be done, although my case was minor compared to some on this site. Good luck with all your actions against Harlands/CRS and thanks to all the site team and particularly Slick for your help and advice. Cheers from BM and Happy New Year to all CAGers!!
  6. OK noted thanks Slick. If I do get any further correspondence from any of them I'll post here. Cheers Baching Mad
  7. Hi Slick OK sure, I'll post any future response I get from Harlands or CRS. Presumably Zinc are their solicitors? Although with the mess they made over the withdrawal of the recent court case against Federaez then I won't exactly be quivering in my boots! And by the way, well done to the CAG team and Federalez‎ achieving that humiliating climb down and win against Harlands/CRS! What a complete and utter waste of time. It really showed them up to be the complete wasters they really are: they couldn't even get the only court case they had right! Cheers Baching Mad
  8. Thanks for your reply Renegadeimp. If they do get back to me then I'll post their reply, although it looks as though they've dropped their demands. Another one in the eye for them then! Lets hope that with the rise of the 'pay as you go' gym chains like Pure Gym and Simply Gym, with no monthly contracts, that Harlands days are finally numbered. Cheers Everyone Baching Mad
  9. Hi Everyone Nearly two months gone and Harlands/CRS haven't replied to my last email to them. Do you think that they have forgotten about me? Is this a record? Is this the end of civilization as we know it? Cheers and Peace to Everyone. Baching Mad
  10. Hi Slick Noted thanks. Yes no doubt they'll be back threatening Court action because I've ignored their letters and very reasonable offer to settle. I'll post their response and just ignore them. Cheers Baching Mad
  11. Hi Everyone It's been 3 weeks since my email of 9 August to Harlands/CRS offering to pay them £24 as Full and Final and I've received no response to their demand that I pay them £174.50 "which is correct and due" or else we'll now stomp our feet and get 'really very angry'!! Maybe they've just gone away with their tail between their legs knowing that I've used a CAG template which basically found them out and told them in no uncertain words to P**S OFF! I'll keep you all posted if I do receive a response. Cheers everyone and have a good Bank Holiday Weekend! Baching Mad
  12. Hi IHB Thanks for your reply. Yes I'll go down to the nearest DIY store and buy them the shiniest doorstep I can find in anticipation!! Still haven't received a reply from them to my last email perhaps they will ignore. More likely they'll send me a final demand soon and promise fury and damnation 'or else' if I don't comply! Not so concerned about the DCA as I've dealt with these morons before and can just ignore them. However, I'm a little concerned about receiving a Claims Form as I've never received a Small Claims Court Summons before. Hopefully they'll not go down this route as presumably they'll have to hire solicitors which will cost them plus having to pay the SC Court fee. After all it's only £145 were talking about not £1,450 or £145,000. Perhaps I'm just worrying about nothing and should just wait and see what happens. Cheers Baching Mad
  13. OK sabre sheep thanks for your reply, let's see what they come up with next. Not sure if they'll send me a claim form as what I owe them is a little low. It'll also cost them to take me to SC Court. Any idea of what the cost is? If I do get one then of course I'll ask for advice. However, I'm half expecting an email from then telling me that they've had no option but to pass my 'debt' on to a DCA for action. Even though it's not really a 'debt' but just a penalty charge they've concocted to increase their profits. I'm hoping this happens because I can then just ignore. Cheers Baching Mad
  14. OK thanks Slick. No doubt they'll ignore it. We''l have to see what they come up with next! Cheers Baching Mad
  15. OK cheers fkofilee. I wait with baited breath for their next response! I'll post it on here so everyone can have a laugh! Baching Mad
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