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bayman292002

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About bayman292002

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  1. Hi all!, my property was repossessed last month and I am asking for advice on what happens now. I've had no contact from the mortgage company and other than noticing the property on rightmove I do not know what's going on. I have equity in the property and approx £6k of unlawful charges to reclaim Many thanks
  2. Hi, could really do with some more help on this. Many Thanks Neil
  3. Hi, Thanks for your time in reply. Ill start at the top and answer the best I can. Most of our paperwork has been quickly packed for storage! Basically the history of court appearances goes back 5+ years. I owned my own business that ceased trading and we had used our own "mortgage" money to keep the business alive, stupidly!. The court dates were a series of eviction dates/suspend warrants and us paying large chunks off the arrears and agreeing to pay back the rest in payments alongside the regular mortgage. The net payments were £790.83 plus £100 pcm off the arrears. We had made payments under the order but did miss 1 due to lack of work although they had already spoken of there intention to go for possesion by December. The fees and charges balance is made up of various late payment charges/management fees/solicitor fees/dog warden fees. We have recieved no correspondance regarding the costs of eviction and locksmiths etc . We have no intention of making a deal or trying to move back in to the property but we do feel we are going to lose all of our equity and i think this is harsh. I have no explanation for why this hearing was different. The judge warned me last time that she didnt want to see me again but I didnt feel we needed to go back. The lenders representative this time was a cut above the rest and i really didnt get a look in, when i questioned her basis for us being in negative equity i felt my words fell on deaf ears and the judge had already made her mind up before i had even walked in the room. Many Thanks again for your time Neil
  4. Hi All Really need your help with my situation please guys! On the 7th February my family and i were evicted after 5 years of fighting. We had 10+ court appearances and although we should have maybe seen it coming it has come as a great shock especially to our kids. Details: Lender: Webb Resolutions administrated by Lapithus servicing Mortgage Amount (nett): £204815.00 Arrears Balance: £3062.45 Closing Fees & Cost balance: £8953.63 Additional Interest: £886.07 Total Balance Outstanding: £217717.15 Property valued at £275000 by 2 local agents Mortgage is interest only. I have 2 children aged 15 & 17 in full time education Questions? They have given us 14 days to remove our goods but are making it hard as possible, do they need to be like this? What can i claim back in regards to the charges? At the hearing the solicitor painted the picture that we were in negative equity, this is clearly untrue. We have been told that the house must be sold for a reasonable amount, how is this set? We are being charged £20 an hour for a house sitter while we remove our goods, is this fair? The locksmith damaged several items during the repossesion, i have recorded the damage We kept the lender informed at all times, I was working as a self employed builder so income had been erratic. We had put the property on the market to try and protect our equity but the market is very slow in our area. Our local council were unable to offer anything suitable, only a single room in a bedsit 50 miles away from our kids school. They advised us to find a local private rent and contact crisis loans for a rent in advance. The guy I am working for has kindly let us stay in a 1 bedroom flat that he owns but so far I have had no joy with any help from the government or any department. I am currently working as a self employed taxi driver so with all the moving and chasing financials i have not been able to earn much which doesnt help the situation at all!. I have never claimed anything off the government and feel let down by the system and very angry. I emailed my local MP but, you guessed, he has not even replied! I would like to thank everyone in advance for any guidance you may be able to give and I will make a contribution to the forum in respect of this Regards Neil
  5. Hi everyone, as expected Webb/Lapithus have ignored my final letter so I am now preparing for court action. Can anyone help me with the intrest part of the claim?. My charges exceed £7500 so I need to get it spot on. Also any pointers in the correct forms etc would be helpful Many Thanks Bayman
  6. Hi Guys, I got my reply from the mortgage company and as predicted they have just stated that they told me they would charge me silly amounts as per there terms and conditions!. What is my next move as of course they havent offered to pay back the charges? Many Thanks
  7. Hi guys Went to court today re:eviction. got a suspended order but the judge wouldnt consider or enter into conversation about the claim for the fee's balance. Best I get started in claiming theese fee's then!!, thanks for all the help so far guys
  8. Thanks for that, we have had absolute murders with Webb. From the start they have only been interested in repossesing the property failing to understand its our family home, times have been tough work wise but we have been trying. How did it end up being thrown out if you dont mind me asking?, message me if you prefer Many Thanks again
  9. Hi, yes the date for the court is the 21st May, possesion order. Can i claim the solicitors costs back from the previous court appearances? Thanks Neil
  10. HI Guys, yes el-een they have added the charges balance to my arrears and are going for possesion off the back of this. I will read that article and keep you all posted. May need some more help guys but many thanks already!!
  11. Many Thanks, I thought i could reclaim the charges. They are charging me £50 a month to pay by debit card!
  12. Hi Guys, can anyone advise me please I have a mortgage account that was originally with GMac, then transferred to Webb resolutions and now managed by Lapithus Servicing LLP. We have a had a long battle trying to keep our home with 8 eviction hearings. Each time we have either made payment arrangements or cleared the arrears. We are currently just under 3 months in arrears and they have again applied for a possesion order of our home but this time they have added £10k of charges including direct debit fee's, court costs and account management fee's. What I am asking is can they claim these costs or are they unreasonable? And does anyone know anything about this Lapithus Servicing LLP Many Thanks as always guys
  13. Hi, Thanks for your reply. There was a mortgage in place when the loan was taken out so you would assume that as a second charge that it could stay as it was. But the new mortgage comapny explained that they had to lift the second charge to put the new charge in place, then re-apply the second charge. The loan company(SPML) would not allow this to be done so I had to pay the loan off in full.
  14. Hi all, firstly may I apologise if this appears in the wrong area. In 2005 I took out an Intrest only/Secured Loan for £30k secured on my property. In 2006 I re-mortgaged and the lender would not lift the charge to allow the new mortgage to be secured. I had to pay the loan back to enable the mortgage to go ahead and so faced a £3k+ redemption charge. I tried to argue the point at the time but faced a brick wall. Can aanyone advise me if this charge is something I can attack! Many Thanks in advance Bayman
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