HI , can someone advise me how to complete the N244 form to stop an eviction taking place this month. Thanks Nicurro

HI , just been contacted again by Capstone/Acenden today to see what is happening with my mortgage. Explained last year that i had a long term illness and had been off work for 6 months. Tried mortgage rescue but it didn’t pass the criteria. Capstone have charged me £1900.00 in charges since 2007 , my arrears is now £8500+ and rising due to charges. Applied for Mortgage Interest Support but still waiting decision. Tried to make them a payment offer today but they said that they couldn’t accept it due to arrears on account. They already have a Suspended Possession Order and now they are starting to apply for Eviction. Wish i had never started with them. Please help someone…..

HI . just had a visit from OH as i am still off work , should they know the following as i am concerned as to why she knew these things. 1. She stated that i am not getting paid from work now. 2. She told me that even though i am protected under DDA the employer does not have to keep my job open nor does the employee (me) have the right to have changes done to keep my employment. 3. If she should ask if i would be better off on benefits and not being classed as employed. These comments suggests that the company has discussed with the OH that they want to get rid of me and wanted the OH to get my reaction to the questions. I thought that OH just covers support of illness and rehabillitaion to get me back to work. Any thoughts please. Nicurro

Hi , thanks but it isn't the one , its just a calculator to add up the fees that have been charged along with 8% statutory interest from the date of the charge being levied to the mortgage account. Thanks Nicurro

Hi , if you are putting in a claim for Income Based JSA then the 13 weeks should start from when you submitted it provided it gets back dated to this date . I had the same kind of problem but had to go on Contribution Based ESA , then Income Based ESA , phoned them to see if i could claim MIS after about 11 weeks , they sent me the form but still i haven't had a decision. 20 weeks has now passed so it aint a quick process. Let your Mortgage Company know what is happening also. THere seems to be nothing to help people with Mortgages , if i was in a rented house i could have gone straight onto Housing Benefit etc..... Whole system stinks !!!!! Nicurro

Hi , can someone provide a link to a calculator for reclaiming Mortgage Fees & Interest as i cannot find one. Thanks Nicurro

Hi , Welcome PPI is now being dealt with by the Contact as below. As you may know, Welcome Financial Services Limited (WFSL) was declared "in default" by the Financial Services Compensation Scheme (FSCS) on 2 March 2011. On behalf of the FSCS, WFSL is making arrangements to contact claimants who were sold Payment Protection Insurance (PPI) by WFSL on or after 14 January 2005. [email protected] or contact our customer services team on 0845 373 0386 The FSO directs people to this also. Nicurro

Hi , Welcome PPI is now being dealt with by the Contact as below. As you may know, Welcome Financial Services Limited (WFSL) was declared "in default" by the Financial Services Compensation Scheme (FSCS) on 2 March 2011. On behalf of the FSCS, WFSL is making arrangements to contact claimants who were sold Payment Protection Insurance (PPI) by WFSL on or after 14 January 2005. [email protected] or contact our customer services team on 0845 373 0386 The FSO directs people to this also. Rgds Nicurro

Hi , when i am contacted by DCA's they always ask for me to confirm a few details to prove that i am me. I always refuse to do this and put the phone down. What is the relevance of this procedure ? What can they do ? Should they have my details? Any other advice on this ? Nicurro

Hi , the possesion order was suspended about 2009 as long as i paid £50 ontop of the Mortgage , when i stopped receiving Company sick pay i went onto SSP then Contribution Based ESA @ £65.00 / week . I am now receiving enough to just cover the Mortgage but still await the decision on Support for Mortgage Interest. The £1500 i offered was going to be paid in about 4 weeks as i am still waiting to receive it so at that time i will be looking at paying the £1500 + £420 Mortgage + £30 arrears. I have 25 years + left on the Mortgage as the terms were extended when i wanted the arrears sorting out in 2008 , they changed the terms but did not add the arrears onto the balance. I have 3 children in the house also , the Budget will be tight and i fear tht Acenden may go down the Can't afford it route. When i was unable to pay the Monthly payments i wrote to them asking if they would accept a token payment of £50 / month but they refused this also . If the FSA recommend to use eviction as a last resort why do Acenden / Capstone insist on paying full arrears before they can do anything , they even refuse the move to interest only Mortgage .

Hi , this week i received a phone call from Acenden saying that my arrears are now £7200 and they need this paying to stop them starting eviction process. They seem unwilling to assist me in anyway to come to an arangement to pay this off which is now worrying me. I offered them a payment of £1500 and to then start paying the £420 mortgage with £30 on top towards the arrears but they would not agree to this. I am currently receiving ESA & DLA only and have applied for Support for Mortgage interest but have not been told how much SMI i will receive. I explained last year that i was off work through illness and in September i started the Mortgage Rescue Scheme which just managed to stop the eviction in time last year as they agreed to stop proceedings until the mortgage rescue had been done. Then in March this year we were told that the Mortgage Rescue was not successful due to repairs required to the property. I am still off work through illness and recovering from a Spine operation which is a slow recovery process and wish for them to get off my back. They have even put on the Arrears Management fees from the period that i was waiting for Mortgage Rescue which i am also unhappy with . I wish to put in a Complaint about how little they have tried to help me since i took the original Mortgage out as in 2008 i asked them to either Capitalise the arrears i had at that time or allow me a payment holiday , none of these they would do but they agreed to extend the Term of the Mortgage which i was led to believe that this would clear the arrears but it did not , i missed it in the Illustration and was contacted by them to make an arrangemtent to pay it off seperately. I am hoping to return to work in about two months when things can get back to as near normal as possible but i don't know how to get Capstone to accept the offer , or do i wait until i get the Eviction notice then go and ask for a suspension of this at Court. I also do not want to make a complaint until i get some advice just incase they push the Eviction through quicker than it would usually take. I also intent to Claim back the charges on my account that they have added but again i do not wish to anger them. Anyone help please....... Nicurro

HI , i have just received a full statement from Welcome on the activity on the account. I notice lots of Ad-Hoc charges and wondered if these should be reclaimed and if anyone else has been successful in claiming these back. What are Ad-Hoc charges ? Are they for letters , telephone calls etc? Thanks Nicurro

Hi all , i recently had my Atos medical for ESA and surprisingly i passed first time , not that i shouldn't have passed but i had heard of alot of people being given 0 points when they should get them. I am also awaiting for DLA to look at my claim again nd they will either give me the alowance or will ask me to go to Tribunal hearing. Do Atos share the medical report for ESA with the DLA people ? How do i get a copy of my medical report ? Will the fact tht i passed the medical help with the DLA appeal? DLA for some reason just keep refusing my claim and the reasons given for this make it look like they don't even read the claim form i send in or use the extra information i have told them over the phone. Does anybody else feel that this is the case ? Thanks Nicurro

HI , had the hearing today and it was a complete waste of time. Explained that we had no response from CPR / CCA requests , they had provided no proof of ownership etc but the Judge said that they did not need to as there had been a few payments made in 2006 & 2007. She even related the case to a hearing that had proven that the Claimant did not need to provide a signed agreement due to the age of the debt, even the Tomlin order didn't make any difference. What a waste of time !!!

Hi , so do i just show the consent order to the Judge and say that i do not agree with the balance as they cannot provide the correct information under the CCA & CPR requests. Do they have to send me a signed copy of the agreement or is an unsigned one sufficient for them to present to the Judge ? Thanks Nicurro

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HI , this was a credit card debt , we did not SAR Link just the CCA & CPR's which we received the list of charges and nothing else. Lots of demanding letters asking for payment in full but nothing else until the Tomlin order was sent to me after we got the set asisde hearing date. We have no recollection of an Assignment notice or default notice only the letters that further action will be taken. I havent challenged Link over the charges or costs and would like further advice on what to do now. We have asked for the set aside as Link have not provided the information we requested under the CCA & CPR requests Thanks

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Hi , do i need to do anything before court date ? Is it worth writing to Link explaining that i will not sign the order until after the court date and the Judges recomendation to see if it puts them off all together or are they likelt to appear at the hearing? Please advise

Hi , attached are the letters as received from Link. I now see that payments were made in 2007 which stops it being statute barred , however the balance outstanding has gone from £557 to £1079 which are due to charges. I am unable to pay the balance at the rate asked and would like any advice about the charges etc . I have not been sent a copy of the credit agreement and wondered if they have one as this was requested previously. Please advise NicurroLink001.pdf

Hi , i have managed to get the claim from Link financial back to my local court for a set aside hearing in february. I have also received a letter from Link which they are asking for it to be signed to agree to pay the outstanding balance by installments which i would not be able to afford. There are other things on this letter also that i dont really understand. Can someone help me and i will PM them the letter ..or if you wish i can scan & upload it. Cheers

Hi , i have now managed to get this back to my local court for a set aside hearing in february. I have also received a letter from Link which they are asking for it to be signed to agree to pay the outstanding balance by installments which i would not be able to afford. There are other things on this letter also that i dont really understand. Can someone help me and i will PM them the letter .. Cheers

Hi , i recently re-applied for DLA care & mobility parts but again this has been turned down. I currently recieve the Lower rate of Care but my condition has worsened and i am now awaiting a Spinal Fusion operation. I explained fully all the symptoms on my claim form but the response i received looked as though they took no notice of this information. They wrote to my Consultant who i have only seen once this year as i usually get seen by his assistant and i fear that he may be unaware of the problems i have with mobillity especially. My GP says he will support me fully in the claim but the DWP wrote to the consultant instead. I have successfully managed to get a Blue Badge & a Disabled persons bus pass but both these applications were completed by my GP & not the consultant. I have been off work for 8 months also because of my problem and this is making life difficult. Would it help to tell the DWP that i have a Blue Badge & bus pass as i have asked them to reconsider the claim again , i have informed them of my pending operation. Also , i rang them to see how the claim was progressing before the decission was made and they said that they had just received the report from the Consultant and the decision would be sometime after Christmas , then out of the blue o received two letters in the week upto Christmas , one saying they are sorry that they hadn't made a decision yet and one to say that i am still entitles to the lower rate. Just wondered if they were rushing them through to clear as many as possible before Christmas. Any advice gratefully received, Nicurro

Hi , will someone please help with this..

Hi all , Welscum managed to get a charging order on my property a few years ago , today i received a letter from a DCA trying to collect the oustanding balance . Why has this happened ? I thought the charging order was all the was necessary and no further DCA would contact me. Also , can the balance on a charging order be increased after it has been granted and how can i contest this now ? I am in severe financial difficulty so any help appreciated. Nicurro