I am really really stuck, I need postitives, the mortgage company is just saying sorry nothing we can do to help. Its funny because I contacted them several times before it went to litigation to try to stop this happening. I know its and eventuality that we loose the house but I need breathing room. Im trying to hold down a job look after stuff visit my mum and try to sort this mess out. can somebody please help...

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I still need help; is there anybody out there I am at my wits end and can somebody please help. I came home to a letter stating that we will be evicted on the 4th of april Ive been talking to the company and trying to get help HOWEVER the mortgage is in my mums name, shes currently in hospital after having a complete mental breakdown and attempted suicide She diagnosed with BIPOLAR Manic depression and had been for years I was unaware that things had got as bad as they had Ive been to see debt councellers, Cab, phoned everyone including the mortgage company asking for help but NOBODY will help because of the Data protection act I have also had legal advice about a power of attorney but because shes not in a mental fit state I need help with this.. Capstone asked for proof that mother was in hospital, but even thats hard to get, because of confideniallity and Ive been given a letter stating this fact and that shes in hospital and that her consultant is her consultant. I also contacted the mortgage company before the eviction notice and have paid money into the mortgage account as I didnt know what was coming out of my mums bank and what was being paid so I phoned them to ask for help and have paid them money, but obviously not enough... all I keep being told is... there is nothing we can do... can anyone help please....

Hiya Everyone... well its that time of month again... Im sorry I havent been online much over the last month, Ive had a couple of mad episodes and I havent been able to get my head around anything... thanks to my nice doc who tripled my meds for me... Ive been in cloud cookoo land... mind you not when I can afford to be.... anway an update.. Im back in court tomorrow, I really want to walk away from this, the stress got to me at the end of play last time. And its got worse... DWP told me Im on the wrong benefit for help... they have assessed me on my first mortgage.. I remortgaged 6 years ago.. to put a new roof on and stuff... and well they say that I can only claim 39,950 out of 64,000 cos well i shouldnt have borrowed extra to get the work sorted on my house... so Im getting help.. well not really help for 40,000.... which is roughly 46 per week... Now heres the best bit.. im still getting working tax credit of 51 per week... so guess what, no help for me... how Im supposed to pay all of my housing costs is beyond me.. and... They say I can appeal to get the rest taken into account... then if its allowed I need to appeal to get it backdated... and so it goes on... Ive been to see the CAB, the welfare rights people and the shaw trust... they are all trying to help but its not going to be fast enough for tomorrow... Im trying to get my consultant to let me go back to work part time... in the middle of a breakdown but at the moment its the only way I can honestly see a way out of this... at least then... I should earn enough to pay the mortgage each month and a bit off the arrears... and still havent had a breakdown of my arrears and charges all though Ive requested them three times by letter... right Im off to bed... Im not going to jump off the bridge just yet... Lynne

Hi Patma it hasnt been an anti climax, its been compulsive reading as far as Im concerned. I still cant believe that they are still going through with this.. I suppose its past the point of no return... but still, its all the stress and the work you, fred, TLD and everyone esle have put in. I still cant believe everything Ive read.. .mind you the best bit in my mind was watching the cctv footage... that was just classic... and I had to re-read loads of posts yesterday because I thought hang on Ive missed something... I still cant believe that Fred wasnt cautioned... Keep going, I just looking forward to you winning this now. lynne

Hi everyone, I have been back in court this morning, the other sides solicitor was pretty awful, just kept saying she cant pay get her out... Anyway, its been ajourned again for 28 days. The judge, was really nice, and helpful. they are still trying to claim the account management fees as part of the arrears, which I didnt think they could do. the judge asked them for their terms and conditions that he said could provide them with a loophole to demand these as part of the arrears... but they couldnt provide him with a legable copy. hes also asked for a recent breakdown of all payments. Ive made two payments since the last hearing and they have no knowledge of them What the judge has asked is that I pay at least something on the due date... so that he can see willing that I can pay the remainder of the mortgage once the DWP sorts everything out. I really need to sort this out one way or the other... its doing my head in... Lynne

Hi Alan, Ive already have a thread going for my closed accounts. Im in the process of getting it all back, and to be honest, Ive gone to another bank now and what a difference... Im hoping to be on top of everything soon, but it would be nice to see the nat west suffer, but then again they have so many customers that this might cause havoc to Im not so sure. To be honest Ive been stuggling over the last couple of years, and the amount of money they have taken would have made my life a lot easier. Lynne

Ive been watching this thread for ages now.. I logged on to see how it all went at the begining of sept, and Im gutted that its been put off for a couple of months. but love the fact that its all going to be over very soon... Patma, TLD et all great job, and fantastic reading.... Lynne

Im shocked at this news... to be honest its all come too late for me, Nat west closed down my accounts a couple of months ago and Im now fighting to get my fees back through hardship. However, Im fuming... Ive put up with so much rubbish from the natwest.. oh their charges are fair etc.. no we cant pay any of them back etc.. like everyone else... Whats got me wound up is the fact in one swoop they have knocked off £34 ... and put a cap on the amount of charges per month... My god if only that was the case with my accounts... one months charges was over £400 and thats just one month. I did claim some back.. then the second lots been stayed forever.... Anway... good news if you have an account with nat west.. its about time they reduced the charges. Good news as well as it shows they are scared now... but its about time. My only hope... is that they get taken to the cleaners.. by everyone thats been financially raped by them.. ah well.. Lynne

Im still fighting all of this.. and i thought that I would post an update... natwest acknowledged my letter. cashed my postal order, and Im waiting for everything to come back again... however... Im fuming... Ive just read that the natwest have just reduced their bank charges from ~£38 to £5... How on earth can they justify reducing them by £34.... and still claim that £38 was fair... God I really hope that they sink without a trace when everyone gets their charges back... How Dare they charge people all of that money... and now say that £5 is fair... Rant rant rant....

Hiya, I just thought that I would give everyone an update, because its all going into the toilet. Im back in court tomorrow morning, which Im not looking forward to... however, nothing has changed, and Ive continued to pay off what i can from my mortgage. The DWP, what a nightmare... huge nightmare, Ive spent the last 6 weeks chasing them from pillar to post trying to get all of this resolved... however its taken from the 23 of june until the 3rd of september for them to change my benefit from contribution based to income based.. which means that its still going to take the mortgage section a couple of weeks even a month to sort all of this out. Not only that, they wont back date the claim to the begining of the time I became eligable to recieve help, they will only back date it to 3 months of me wanting things changed... Im going to have to appeal that once I get the claim sorted. So i have loads to do, Im going to try to go for another adjournment and see if things will get better in the next few weeks. Lynne

Hi Mazbck I went to one of their medicals about 4 months ago.. I have two things going on, 1st is arthritis in my spine and the second is that Im Biploar. The doctor that interviewed me was really nice, it took ages to go through everything, but at the end of the day if you get a doctor that listens it will go through well. They take loads of information, they ask about mobility etc, and medications that sort of thing. I took loads of information with me, consultant letters etc. On the whole, dont worry about things, they are trying to sort out the people that can work from those that cant. As for ESA, Ive been going through hell since january with them, the DWP have made one cock up after another and its still no where near sorted. However, keep plodding through, the people on this site are a huge help. Take care and dont worry. lynne

Hi supasnooper Ok here we go again.. Ive read the other cases, I havent sent a request in for a cca, I think it might be the first step I need to do. I will get that letter sorted out now. I think the only way to do this is to see if I can get the original ccj overturned. god how I wish I hadnt buried my head in the sand. Im a lot better at the moment, and really dont want to go back to where I was at the begining of the year. Ive been onto the court, I have spoken to somebody in the charging order dept who is sending my out a copy of the file that they have on me... that should be here tomorrow... Im going to keep reading again... Lynne

Hi supersnooper sorry its taken a couple of days to reply, my broadbands playing up at the moment... I have writen to the court asking that its transfered to nearer to me, I keep reading the threads but my brain is not working properly at the moment, Im praying the consultant will help when I see him next week... but in the mean time, I will have another read. thanks again Lynne

Hi R&B thanks for your reply. I dont have any documentation from this. of if I have I cant find it. I have contacted the court to get the hearing moved to Sunderland. Bradford is just too far away. I will phone the court again now to see if I can get a copy of all the documentation, I will have a look at the other stuff now to see what I can get together. I have the £10 at the moment so I will trot off to the post office for a postal order and get that underway right away... I would appreciate any more help if anyone can throw more into the mix Lynne

Ok here goes,.... 1. It was a default judgement for a credit card 2. I sent in a budget sheet asking for £10 per month 3. It was heard at bradford County court.. same again this time 4. Via the budget sheet 5. a nat west credit card taken out 1996 or perhaphs earier 6. Havent asked for anything, do you think it might be worth going that route? Thanks for you advice. Lynne

Hi Jansus. I really dont spend that much these days, It started a couple of years ago when i was desperate to get out of all of the debt I seemed to have accrued. I took the bold step of cutting up all of my credit cards and started to pay them off bit by bit, the actually balances now are a quarter of what they were 5 years ago. I have budgeted and normally stick to it, but even so, since not being able to work at the moment things seem to have gone from worse to nightmare to omg what the hells going on. Im desperatly trying to sort all of this out, but its hard... I didnt know whether to say stuff it and try to go back to work and get on top of everything, sell the house and start all over again. the negative side of all of this,is that my consultant and doctor would go ape with me, as stress triggers off all kinds of reactions... so I dont know. Im due at the consultant on the 19th I really need to discuss with him what my next step is... sigh, I really dont know at the moment what to do, but Im trying to be proactive rather than just ignoring things... we will see what happens next. thanks for you suggestions though, I appreciate any of them at the moment. Lynne

Hi Crapstone. I know I cant bury my head in the sand again, it would be so easy to, and even logging onto CAG is getting harder and harder to do at the moment. However, I have been reading round loads of things, and I go to see my consultant on the 19th of this month. Ive read that there may be a debt councellor that he can refer me to, or at least somebody that may be able to help me since a lot of the problems have been caused by my not being able to cope with letters etc... One of the good things about this site is that I can come on for a few mins even in the middle of the night... which is normally the only time I can face sorting things out, Im just so pleased its here. The other thing that is keeping me from hiding under my duvet everyday is that there are others on here going through exactly the same as me, so Im going to keep going, even if its going to take an age to sort out. anyways, thanks again for your support Lynne

Hi Surfaceagentx20 thanks for your reply, Ive read the other post you made and my head is filled with cotton wool, or so it seems. Ive had nothing at all from the court, apart from the letter to say its going to take place. I dont understand what to do next. My situation is all up in the air, I cant at the moment pay anything, Im fighting to keep the house, but even thats on a rocky road at the moment. What do I do? do I file a defence and then turn up? or what. can you give me some where to start, Im reading everything I can at the moment but Im getting more and more confused the more I read. I also got in the post a letter from the land registry office saying that the charge had been put on on the 28th of June. Any help at this stage would be useful. thanks again lynne

Hi Crapstone, What a week and a half, been chasing up the DWP, god how slow, and running round like a chicken without a head. ive bought other insurance, and I asked the company to send capstone a copy and Ive sent a copy recorded, I dont trust the mail. and well my mantra this week is... dont bury your head in the sand again, dont bury your head in the sand again... If I say it enough times I may just get through this. Anyway I will keep you posted lynne

mandyJane thanks, I thought you could get it transfered to your local court, I will look into thtat tomorrow, sorry Im a bit late in replying, I have been just so busy today. Lynne

Hiya has anyone got any ideas please... ta very much. thanks for your help bumping me up... Im ok, just got a fuzzy head these days, and if I run.. I rattle I take that many pills... but looking on the bright side... Its stopped raining today... whoohoo

Hi, Im in need of even more help from you. Here is the bones of the matter, I am currently off work on the sick, Im not coping especially well, and for the last year or so Ive burried my head in the sand, but 6 month ago, I was diagnosed with a lot of mental health problems and other things. So I have avoided opening letters, replying to things and getting help. I am now semi able to cope with things and Im desperatly trying to sort things out, but some of it may be too little too late. So in March I was taken to court for 2045.00 I was issued a ccj and said I would pay it back at £10 per month. Basically I haven't. All of my benefit money has gone to try to keep the roof over my head, I really have had a lot of problems and the DWP have cocked up my claim and its only just starting to get sorted out now. anyway. CL Finance have just filed an application for a charging order on land or property. its due to be heard in the Bradford county court, on the 28th of August. Is there anything I can do to try to sort this out.or is it now too late. One thing, I will no way be able to attend the bradford county court, its over 100 miles away from my home... is there anyway I can get it moved closer to where I live... IE sunderland county court? I knew I should have tried to do something before now, but things have just got way on top of me. I hope that somebody may be able to help Lynne

Hi Crapstone. Im in the middle of taking the bull by the horns so to speak. I have been paying their buildings insurance.. ha it was cheaper than anyone else when I first took it out and ive never queried it. Now however, Ive managed to get a better deal all round. so I phoned them to ask to cancel the insurance... they said before they can they need to see the statement from the other company.. all a delay tactic me thinks... never had a mortgage company ask this before, and Ive had a mortgage for the last 23 yrs... they just want to keep taking more money from me... it will all be on a insurance database as they say that they share things. It was going through my statement that I discovered the true cost of my insurance.. thats about to change as well. Im going to report them to the FSO, they have added the charges to my arrears, which isnt allowed.. and they are astonomical.. so Im not going to let this one go now. I still see an upward struggle... but to be honest, there is this and my ex bank Im fighting at the moment... it keeps life interesting. never mind thanks for your offer of help, no doubt Im going to be needing it. thanks again lynne

this is sort of a ps. The data protection thing is another thing completely your going to have to work on that at a later date, your main concern is keeping your house. Dont trust capstone in the least, they are lying whatevers....