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zoemk10

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  1. Still haven’t had letter from Acenden! They claim to have sent on 17th and also 1st recorded on 25th! They can’t give me the tracking number though ....
  2. actually you're wrong... My very first message related to a previous mortgage. Added to which I posted originally about the default which was actually removed as i continued to dispute.
  3. Oh right! If you search my posts you will find all the details! I don't want to post the whole story again and also there are some people who don't think I have a claim whilst I respect that view only I know what I went through, I know I wasn't treated properly or professionally. Added to which how many people have not pursued something because someone else told them it was a stupid idea?! Companies like Acenden get to behave as they because no one takes them to task over it!
  4. Thanks for quick response. I called them today as the 8 weeks were up yesterday they said they posted the letter on Jan 17th -I haven't got it. i got them to read it to me! They've promised to send recorded delivery either the first one will turn up or the copy will arrive on Friday. I will post as soon as it arrives. I too think they have a cheek to say that and also to take 8 weeks to say that! I sent the 2nd SAR because I asked for recordings and they just sent transcripts but said they no longer had the recordings when I asked again. I cant really push this as they're no obliged to keep. SAR details to support my complaint. Just wanted to be sure I had everything in writing. Plus I'm not saying they would but notes can be altered! I once worked at a very well known company and a call handler once put really derogatory comments about a caller on the notes. He was dismissed and the notes were removed.......
  5. I made a complaint to previous mortgage lender Acenden. I send a SAR which they replied to v quickly, I sent 2nd one asking for some missing info and again they replied but said they didn't have the info and so I proceeded to set up my complaint(s). 8 weeks later I got a letter stating they sold my account to Engage Credit dont have any paperwork I need to contact Engage I cant refer the matter to the FOS as they haven't answered my complaint! So my questions are: The complaint is about how Acenden handled my account and therefore surely Acenden should answer it? They sent me loads of documents in response to the SAR and so surely its not true that they dont have the information I settled the mortgage before I even knew it had gone to engage if the timeline is true I had already exchanged at this point and their notes backup that. Why would they transfer at that point? I never had any dealing with Engage and was only aware of them when 6 months after settling my mortgage they registered a default against me! This was removed after a fight.... Are Acenden just trying to be clever?
  6. It’s odd that you’re so adamant that they did nothing wrong when I have stated they lied and have written proof of this. Do you work on behalf of them? Perhaps it’s your job to go on to sites like this and try to intimidate people so that they don’t pursue matters! I will be pursuing, I may lose but I would rather that than not try. No the broker is not in business anymore. This is my last response on this matter. I will however post my good news when I win!
  7. No they were not obliged to capitalise the arrears - I do not think I have suggested I think this. I do believe they are obliged and in fact legally bound to act with honesty and integrity. Furthermore they are obliged to make efforts to help someone in financial hardship. They lied about not being able to capitalise the arrears and this lead to me thinking I had no option but to sell the house as I could not cope with things as they were. My complaint is about the lie and the effect thereafter. Sorry I missed your other point, although you seem to think I avoided it! I have to say you're very aggressive for someone giving advice. I was advised by a broker to go interest only and worry about it when it came to end of the mortgage. Although I had in the back of my mind that I would get straight and once my fixed term ended and I was able to I would move to a repayment mortgage. Obviously that didnt happen.
  8. Did you go via small claims or FOS? Well done too!!
  9. Hi My other post has had so many views but only 1 response so I thought I would ask a different question. Has anyone ever sued their mortgage company? I don’t mean for arrears charges, I mean for mis- selling, negligence, outright lies that lead to detrimental decisions, etc? I’m planning to! This site is full of appalling behaviour from lenders, especially sub-prime ones and yet they seem untouchable. I think it’s time this changed. I think if they’ve done something genuinely & knowingly wrong they should be taken to task. I’ll keep you posted of my progress!
  10. The cost of having the arrears added to the mortgage wasn’t enormous by any stretch. I was paying an extra £85 per month off the arrears but they were still adding fees and so the balance wasn’t really reducing. If they had capitalised the arrears I would not have sold the house. My complaint centres around the fact that they gave false reasons for not capitalising the arrears, proably because they wanted to keep me in arrears as this was quite profitable for them.
  11. Hi Looking for some advice re making a claim for a missold/mis handled mortgage. In 2008 I took out a mortgage with Preferred Mortgages on a shared ownership house. I sold the house in 2011 because I couldn't cope with the pressure consequently this lead to a breakdown and me and my children living with my mum for a while. Since then I have been in various rented accommodation Ive been unable to save for a deposit to get back on the ladder. I'm thinking of making a claim for the following reasons: I brought the house in 2008 when I was earning a basic of 28,500 and commission of approx 800-1000 per month. I was very clear that the commission was in no way guaranteed. Ive just received the SAR documents I can see this was included in my earnings calculation. This isnt a document I saw at the time, its an internal underwriting document. By 2009 I wasn't earning commission due the crash and in May 2009 I was made redundant. The main reason for my claim is due to the handling of my mortgage during my time as a customer. I wasn't receiving commission then was made redundant I fell in to arrears which got to about £3800.00. I had an arrangement and was charged numerous fees, eg late payment, arrears management, litigation, solicitors etc. In December 2009 I was offered a new job to start in the January I contacted them to ask if I could capitalise my arrears once I started my job, I was told this would not be possible until the fixed term ended, (I now know this isn't true). On the notes from the calls it states they said no because I completed an income and expenditure and had the capacity to make an arrangement to pay the regular amount plus extra to clear the arrears. I have asked for recordings of the calls as they werent sent. However either reason doesn't really stack up. if I had capacity to over pay I also had capacity to capitalise the arrears thus bringing the account in to order, and also meaning no more late fees and arrears management fees would be payable, I asked this in December 2009 and again in Jan 2010. Unable to cope with the worry I put the house on the market and I moved out in April 2011. Shortly after this I suffered a breakdown and was on anti depressants and anti anxiety medication for some time. If they'd capitalised the arrears as requested the monthly payments for not have been much higher I would have been able to stay in the house I was in secure employment with a basic of 40k I would not have had any issues. By not doing so kept me in this endless cycle of debt and endless cycle of fees being added so that the arrears balance wasn't really going down at all. I believe I have a strong case to ask to be put back into the position I would've been if they had capitalised the arrears and I'd not been forced to sell the house. I was advised when taking the mortgage to go for interest only and use the proceeds from the eventual sale of the house to clear the mortgage at the end of the term. Sounds stupid now but I took this as good advice. In the SAR docs theres 2 forms called Borrowers Interest Only Declaration. I recall signing and putting an asterisk next to 'By sale of property. Then there is another of the same this also has an asterisk next 'An investment vehicle'. Whilst this is signed, I dont believe I place the 2nd asterisk next to that statement and believe this has been done after I signed it. I had no investments and would not have been expecting to have any. Do you think i have a hope in hell? I'm not just trying to make money out of this. I genuinely sold my home because of this and my life was hell for about 12 months after. I was so depressed but thankfully my children kept me going. And even though for a long time mentally Ive been ok, I'm still suffering because I have to rent and have no long term security. Honest, (nice), opinions welcomed. Thanks for reading x Anyone? Sorry I know its a bit of long post but I wanted to give all the background.
  12. After years of paying back debts I've finally got myself into an ok position. I'm now looking to get a mortgage and so I've been subscribing to credit expert. On friday my credit score was 31 away from being good and this was great because I have paid down a couple of accounts and so when updated I was hoping this would push me over the edge! However yesterday I updated my address as I recently moved in with my mum so that I'm free to move quickly when I buy somewhere and I want to ensure I'm still on the Electoral register etc. This morning my score had gone down by 49, but as you can see from the attachment the comment bears not relation to the score going down! I know lots of people think credit scores are a fallacy but I know when mines been good I've got credit and when not so good I haven't! I called Experian and they said the score had gone down because of my new address pulling through a new account- this is a bank account I've had since 1998, no overdraft, no borrowing and always in credit. How is that a negative?! The person I spoke to could offer me no reasonable explanation! Does this seem right to you? Thanks.
  13. Just wanted to let you know Barclays have now had a change of heart of and have agreed to alter my credit file to show me as up to date!! Plus an extra £275 in compensation:) I'm so happy this is over! Its being processed right now and should update within 48 hours! Thank you for help and advice. I'm going to make a donation right now!
  14. Hi Thanks for the reply. The FOS do seem to be on my side but also seem to be allowing Barclays to pay these games. Eg, our contact is on leave for 2 weeks - well deal with someone else then! Instead they waited 2 weeks! I've also logged a complaint with the FOS about the service I have received. With regards to the BCOBS from what I've read the legislation does not extend to overdrafts? I couldn't find a website either? x
  15. UPDATE** So this is still going on! The FOS gave the case to another adjudicator to push Barclays to honor the original decision, they agreed to this in July and so the FOS flt it was just a matter of chatting through. Barclays used all sorts of delay tactics, e.g. they couldn't see my credit file?? The person dealing with it was on leave, their contact at Experian was on leave! The adjudicator completely agrees with me and so finally they had a call on Friday and Barclays REJECTED the findings!! This is after agreeing in July. So the matter now has to go to an ombudsman. This latest saga has delayed things by another 6 weeks but the FOS said that they would sort this as Barclays has already agreed to the decision and it was just matter of sorting that out! Furthermore In July I had to sign an acceptance form re the decision and assume the bank would need to do the same? How can they now go back on this? They say they refunded the charges as a gesture of goodwill! They've never said this before. This is having a profound effect on my life, my credit rating is being dragged down due to this, (after years and years of paying debts and getting to an ok position). I need to get car finance but I can't get s decent deal as my score is too low, I don't want to go into something far more expensive just because of this but in 3 weeks my car needs to go back! I cant get a mortgage and generally its just causing me to feel really down. I really dont know what to do.
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