Hi guys just wondering if some one could give me a bit of advise , i had my home repossessed 9 years ago , there was a shortfall when they sold it at auction . They haven`t bothered us for 9 years (halifax) then today i got a letter from the halifax saying they have passed the debt on to moorcroft dept recovery , i don`t really know what to do, we have not acknowledged this debt . and cant afford £20,000. any advise would be help full.

It's a few years since I was in trouble with debts, and on a much more even keel these days. Or to put it another way, all my previous woes have long since dropped off the bottom of my credit history (ie 6 years). Recently in applying for financial products (mainly mortgages), I noticed they ask the expected questions about bankruptcy, credit defaults and even simply making special arrangements with a creditor. So far so obvious. What bothered me was they ask if you have "ever" had/done any of these. To which my answer would be "not in the past 6 years" if I were being truthful, and I believe is the extent of their entitlement to information. But I really don't want to get into that, so I've just lied and said no. What bothers me is of course that I'm then signing a legal document which contains a lie, and that if I were to refuse to answer the question, I wouldn't get the mortgage. I wonder if they are allowed to ask that question in the first place, or if you can still be penalised for refusing to answer it fully?

I'm being pestered by the Lloyds Mortgage department to prove how I will repay my Interest Only mortgage in 5 years' time. There is nothing in the original agreement which says I have to provide proof during the currency of the agreement ( I am aware that nowadays they want the proof before even giving an interest only mortgage but that certainly wasn't the case 10 years ago ) Any thoughts on the legal position ?

I had an interest only mortgage with Rooftop Mortgages which became overdue for repayment. Always planned to sell to repay...no problem, and Rooftop was aware of this. Never missed or late with payment. However a few months ago I had a letter from their Solicitors simply asking what my proposals for repayment were, and then stated that if not repaid, repossession proceeding etc would be taken and IF THAT happened there would be legal fees. Nothing happened, the house has been sold and the mortgage repaid. However, the redemption statement included fees of £926!! I have raised a Formal Complaint with Rooftop about these not being justified but accepted the redemption figure as I did not want to delay completion of the sale/repayment of the mortgage). I await their response. I told Rooftop that following completion I would issue a SAR and then proceed to the Financial Ombudsman to recover these unjustified fees. My question is: Is the Financial Ombudsman the best route to go to do this?

Hi Im trying to claim mortgage charges on a mortgage taken out in1984 and redeemed in November 2004 initially with Alliance&leicester the initial period was 25 years and the total of the charges is£1,555.00 plus compound interest total £2,527.69 This claim ia now in the small claims court and Santander solicitors has submitted a application notice to get the claim struck out and the hearing is on May 3.In a letter received yesterday they mentioned section 5 of the limitations act and said the sums claimed were irrecoverable. They say i can withdraw the claim and pay santander just under£300.00 or if i pursue the claim they will claim the full costs witch they estimate at over£1,500 advice please

Hi In 2007 I separated from my husband due to domestic violence issue, child was 20 months old. I was working but just surviving (Finance Officer in the Local Council) * I informed the Bank (our mortgage was with Barclays); Requested to change the mortgage temporally to "Interest only" * The other party refused to agree to the change; The Bank suggested I start making transfers from Reserve account facility that we had, in order to avoid arrears * The other party put a "freeze" on the account to stop me from using it; Bank could not proceed as they had to have both parties' agreement (joint mortgage account) * Bank offered to me to pay as much as I can, and suggested the equivalent of the "interest only" amounts would be sufficient to show a good will *A few months later Mortgage accounts were transferred to Woolwich and somewhere in the process, somehow the "freeze" was "lifted" or something, but my ex-husband managed to transfer the fund of the Reserve account to his personal account - £24,410! * As soon as I realised it, I filed a complaint with the Bank, and requested an urgent investigation. Weeks of phone calls and visits to the local branch followed. 4 months later I received a letter, Barclays admitting their fault and confirming that the other party is solely liable for the debt (the withdrawn amount). * I have on numerous occasions asked how they are chasing him up, is any investigation being conducted - never got a reply due to the Data Protection bla-bla. * In 2014, being better off financially, I approached the Bank to discuss Re-Mortgage options, as I still am paying the Interest only amount. Mortgaged period finishes in 2023. I "have no options and until the Reserve account is repaid, I will be unable to do Re-Mortgage" - was Barclay's reply. Debt currently is £41k+, including the interest on the withdrawn amount. * Every now and then I still receive payment demand letters, solicitors' letter and others. I have to call and explain the case for a 100th+ time! I am up to a point to take the Bank to Court, as I do not see any other way out of the situation. There is no need to say how much stress it causes to me, and the adverse financial affect... Does anyone know what legislation I should use to start on? Can I still quote BCOBS? Has anyone else had a similar experience? Thanks for replies in advance.

Hello. A friend of mine has asked me to look in to the insurance policies that she has just realised were sold to her when she took her mortgage out back in 1998. From looking at the paperwork I can see that there were various forms of insurance but what strikes me straight away is the phrase 'Premiums are recovered from your monthly mortgage repayments. Separate payment is not, therefore required. Please amend your payment when advised'. Does this mean that the insurance was added to the mortgage, and by doing that, my friend was charged interest on both? Apologies for the naive question.

Good afternoon Caggers I purchased a 2nd property by re-mortgaging my current home. The Spanish property market collapsed and my house was not built. I am claiming my deposit back, however my current mortgage company does not have any history of my borrowing extra funds during 2006, nor do they have any history of the mortgage. Where do I stand on this? They have openly admitted they have no paperwork. maybe I can hold them to account for that and say that I paid it off???? Your help is greatly appreciated!

Long winded explanation. Our mortgage of 25 years comes to an end towards the end of this year, when we will have to repay approx £100k 2 years ago our life endowment policy was ended by Phoenix Insurance (not originally with them but numerous acquisitions they ended up with it). The reason for ending it - they had had to use money from the pot to service the policy. We complained - they agreed that it had been mis-sold and they refund the difference between a standard life policy (life only) and the money we actually paid into the policy over 23 years with simple interest added. This came to just under £15k instead of the £80k we were expecting to receive at maturity. Not happy with that we complained to the FOS, who said we had a case. Their decision was an extra £435 on top of the original offer. They agreed that the policy had been mis-sold & mishandled (we had a riskier life policy rather then the standard endowment one), but that this was all we were entitled to. We said we were not happy with that as we were going to use that money to pay off the bulk of the mortgage. The ombudsman said he would refer it higher up the chain but the result was the same. He said we could go to court ourselves but the judge would take into account the FOS decision and the likelihood we would not win any substantial increase plus court/ legal costs - we would end up worse off. After taking free legal advice, we felt gambling and losing more money was too risky so, we decided not to pursue court action. now we have only £15k to pay towards the mortgage. We will have to put a credible plan to the bank to reassure them that we will be able to pay off the mortgage very soon. There is no delicate way of putting this, but I think you will need to know everything to be able to help me. I never thought I would be in this position. The only thing that will enable us to pay off the mortgage is that my wife and I will soon inherit a substantial amount from our 3 remaining parents (all in their 90's). I realise that this is described as a "potential asset" in the financial world and not an actual realised asset. When my father died 11 years ago I inherited 1/2 his share of the house, with my sister the other half, which by todays assessment of the value of the parental house (minimum of £600k quick sale) is approx £150k for my share. k This was frozen whilst my mother is alive or wants to continue living there. He did this because my father was worried that my mother would live a long life (she has) and would need to go into a nursing home (she hasn't) and all of the money, if he left it to her, would go in nursing costs leaving my sister and me nothing. After the turmoil of my fathers death, I was given a document from the family solicitor, stating the above, but over the years I don't know where it's gone. I recently contacted his office which has been taken over by a bigger solicitor's firm asking for a copy but they said my mother is the client, not me, so they would need her permission. In my mothers present condition I do not want to worry her and so getting a copy is going to prove impossible. My mother has a big house in the south coast. She has had heart failure for 5 years (along with 3 different types of cancer). Her heart failure was diagnosed in Oct. last year as end stage with 6 - 12 months left to live. My question is how should I approach the bank (HSBC) about the fact I cannot settle the mortgage straight away and I have an asset that is frozen at the moment? Thanks in anticipation

Some of my LL's post has always come to the house, passed on to her periodically. My housemate accidentally opened a letter for the LL and it said that the interest only mortgage on the house has expired and there is a large lump sum to pay! I contacted LL, she said this has come out of the blue and that she had not received any of the forwarded letters. Also said she changed to a BTL mortgage 10 years ago. Didn't give a straight answer when I asked if it was BTL why were the letters etc coming to the rented address. She said she would try to extend the term, but I know she has been having financial problems and she is over retirement age. What are my rights? Worst case scenario say the mortgage lender want to repossess, what could happen to me? I have an AST agreement and my rent is paid up to date.

Hello, Has anyone successfully claimed back mortgage early repayment fees. I was aware of the conditions of the mortgage when I signed it. However the manner of penalty does not seem fair or right. I am facing a £16,000 bill for coming out after 2.5 years of a 5 year fixed rate deal (more expensive than the variable mortgage) I understand they have to recoup loss of interest, but as soon as I give them back their money, they lend it out again and make no loss? I cannot port or continue the 2.5 years left as I have lost my job. The amount seems like a penalty. Any ideas. thanks

Hello, need in help in understanding what a mortgage contract is. When I applied for a mortgage. 1. I signed the mortgage application form 2. I signed a mortgage deed 3. I signed the mortgage offer acceptance ( there was also a printed signature of someone from the lender) 4. My solicitor signed the title deed ( not sure what a title deed is and why the solicitor would sign this and not me) Are all these documents a mortgage contract. In a contract law I remember from school there has to be an offer, acceptance and consideration - is this the same for a mortgage? Bit confused as to what is the mortgage contract is, is it all the above ? Why did the solicitor signed the Title Deed. Should I have signed the title deed. There is nothing on any of these to say this is the mortgage contract. I have also read that 8 out of 10 mortgages are securitised, bundled and then sold on, how can that be without my consent? and if so surely the lender would tell you this and notify of this when they did this ? or is this the norm? any help in answering the above greatly appreciated. Kind regards

Seems I'm poison to the mortgage companies, and truthfully I don't know why I'm such bad news. Please, really need help if there is anyone out there? Saw house, fell in love. For sale at £195k seller accepted an offer of £170k On sale for a while and it does need work. Salary is in excess of £70k Loans total £300 per month, as do two credit cards. Never been as much as a day late on any of them, that's in over 4 years. Default in July 2015 for utility company, I was in dispute with them regarding charges that didn't apply. CCJ July 2017 for £1,400.00 paid in full December last, zero balance. Utility company granted Consent Order stating to the court that they don't object to a Set Aside, as in their words "The defendant was not liable for the charges at the time the claim was issued". Covering letter from them and form N244 with fee submitted to the court for set aside. Problem is that will take weeks, and I'm under pressure to proceed with the house purchase, but can't get anyone to consider me. Need 90% loan to valuation. I'm 58 years old looking for a 15 year mortgage term. Two brokers, one of whom is massivelly praised on various review sites. Placing mortgages with "High Street lenders" for folks with on the surface far worse records than me, say they can't help. Time is running out, am I really that poisonous?

BBC Money Box this morning talked about the new 'help' with mortgage interest payments which is changing to a loan from next April. He stated that rents would still be covered even though in a roundabout way it would paying the mortgage of the owner of the property and that many rents are far more expensive than mortgage payments! So what to do? Set up the loan and end up owning less of your property or sell up, downsize if you can or rent? People in need being punished again!

I had my home repossessed in 2009 due to a change in circumstances. The mortgage was with HSBC who marked the debt as 'settled' on my credit file in 2011 although I owed them money. This was removed from my credit file at the start of last year since it had been 6 years since the settlement date. I am certain that I had PPI on this mortgage. If I try to reclaim this PPI will it awaken the debt? I have seen the rule of 6 years for standard credit card and loans but wondered what would apply to the mortgage?

They used to be Blemain, now are 'Together'. I am always behind with my mortgage. I am on a very low self employed income and it is erratic. So always end up having to pay three or four months arrears when they threaten me with an eviction. They have an court order due to persistent late payments. My circumstances have changed since I lived at the house...my gf who is also on the Deeds split up. She pays the mortgage, I pay the second mortgage with Together which is about £500 a month. I can never do one of those things with income and outgoings because is so erratic and I dont even live there. But I pay it every few months when I can so she doesn't lose her home, and at some point maybe we can sell it. But, because of all the charges and extra interest etc the amount I owe after paying it for about 10 years is about £10k more than I borrowed! Yet am Paying £6k a year! Total amount is about £60k and its a high interest rate because that is all I could get at the time. So virtually everything I earn bar about £100 a week pays that. And as I only get money erratically and then £2-3k every three months or so on average, I can never get in front just keep paying off the arrears and my living and some debts. So I am very depressed about it and cant see a way forward, except that one day we may be able to sell it. But there is no equity in it atm, and I am losing £6k a year really while the market is stagnant and yet actually reducing nothing its gone up over £10k. Problems started when the banks called my business o/d and loan in as then I had no way of budgeting to cope with the erratic income. I am effectively homeless, and cant even get tax credits because of my circumstances, and living between a few sets of friends and a new girlfriend. She has a tiny flat so I cant store anything there, and cant stay at all when her son is there...no room to swing a cat. All my stuff is with friends in my 'rooms' there, and I have nowhere to sit and do my books which are a few years behind and no doubt I am being chased for that too on money I haven't earned but fines for late books. I am in a total mess and cant see what to do. What can I do? Are these charges even legal? I am told they are not? I want to sort this out first as it will be one thing off my mind if I can stop them doing that. Then I have to face the HMRC and explain why I haven't done my books for several years afterwards.

Hi This is the second post I have going at the moment but I really need to clarify. Back in 2009 I took a second mortgage. I had a fixed rate for 4 years then went to tracker. After 4 yrs and credit crunch I said to the lender I would like to change my rate to be told I couldn't as it was a secured loan not a mortgage. I stated no its a second mortgage and all my paperwork refers to it as a mortgage. I now also own my own home Mortgage free (still own and selling the property with the second mortg,) in my paperwork it states I can transfer the loan onto the new property. I called them (The company who now own the second mortgage as it was sold which was in term and conditions apparently) I was told because I don't have a mortgage on the home I live in now I cant transfer it. They also say its a loan not a mortgage. They also told me it was covered by European Mortgage which I said it was under £25k so covered by CCA. I complained they agreed they were giving wrong information but I notice their paperwork no longer refer to it as a mortgage but loan. What can I do Is it a Mortgage or a loan. If its a Mortgage then I could have reduced the interest rate years ago. Are they pulling a fast one. The settlement figure means I am just in neg equity

Hi All New to forums, so please move if I have posted in the wrong place. Thank you in advance for any comments. Introduction My wife (38) and I (44) are currently in a joint ownership mortgaged property, in a debt management plan, with defaults on bank loans and credit cards. We both have good earning potential and hope to remortgage in approximately 2 years (after April 2019/20) to achieve full ownership. Current financial position Our current property is in my wife's name. It's a joint ownership (50%) 3 bed semi. Our 50% is valued at around £85k. We have £18k o/s on the mortgage and a further £6k charge on the property from Cabot re: an old CCJ that is no longer on the wife's credit history. Approximately £60k equity. Wife is in long term permanent employment earning £32k per annum. Husband is Director of own Ltd Company. Currently in year 1 with expected earnings of around £28k (£8k salary + £20 dividends). First year end is April 2018. Current debt position We currently have around £20k of debt under a debt management plan. Two years ago my wife was ill and I was made redundant. Rather than bury our heads in the sand, we tried to deal with our creditors, asking for payment holidays or help with interest payments. We tried to consolidate but none were helpful. Despite being pro-active, they all served us with defaults. Below are the debts showing as default on our credit check. The bottom two credit cards show as "up to date" but when you drill down it shows the payment with "DM" next to it for debt management. Type of debt Amount £ Default date 6 year date Bank o/d 742 28/08/2012 28/08/2018 Bank o/d 998 29/08/2012 29/08/2018 Bank Loan ,627 31/12/2012 31/12/2018 Credit Card 2,617 29/01/2013 29/01/2019 Credit Card 1,716 27/03/2013 27/03/2019 Credit Card 424 06/12/2013 06/12/2019 Credit Card 1,494 28/12/2016 28/12/2022 Credit Card 1,948 28/12/2016 28/12/2022 Bank o/d 325 22/02/2017 22/02/2023 Credit Card 1,819 up to date - DM Credit Card 4,013 up to date - DM 20,723 The default date is from our credit reports and I have added on 6 years as I believe/hope the debts will drop off our credit reports after this date (?). Plan A What we would like to do is buy a full ownership in approximately 2 years. My wife's earnings will be around £35k, and I expect my earnings to be around £45 (£8k salary + dividends). We hope to borrow in the region of £300k and use our equity to spend around £330k and pay off the rest of the debt. If my understanding is correct, debts older than 6 years won't show on our credit history, so we would spend the next two years paying off the more recent debts, so that our credit check is clear (ish). We would clear the old debts with the remortgage. Plan B Our current property is owned 50% and we could buy the other 50% at a good rate from the Housing Association. Because of the work we have done to the house, I hope we could buy the other 50% for around £75k and have full ownership of a house worth between £190 and £200k (at a cost to us of £160k). We would use this as a stepping stone to achieve PLAN A in roughly the same time frame. As the property is currently listed as 'affordable housing' I believe taking full ownership would allow us to potentially sell for more, and open up more options in terms of dealing with lenders, without the restrictions associated with joint ownership properties. Questions 1) Is the £6k debt to Cabot likely to affect future borrowing? It doesn't show on a credit check, but Cabot do have a charge against the property. 2) Husband is owner/Director of Ltd Company. Other than waiting for 2 year trading history and maximizing earnings from Company, is there anything else I should be doing over the next two years? 3) Will our defaults 'disappear' from our credit checks at 6 years old? Can they still affect our rating? 4) Is there any debts that should take priority over the others? 5) After April 2018, when I have been trading 1 year, would it be possible to buy the other 50% of our current property with the above credit history, equity and earnings? This could be an opportunity to clear off some of the debts to improve our position for the future. 6) Are their any considerations around 'help to buy' that we could take advantage of now and things we should/shouldn't do to jeopardize any opportunities? For example, I have never owned a house. Might this help me in getting 'help to buy'? 7) Do lenders ask for bank statements? Should we perhaps keep any unhealthy payments out of our main bank accounts? 8) Do we need to be concerned about our ages? 38 and 44? I would appreciate any thoughts, comments or suggestions. We are committed to paying off our debts and hopeful that we can achieve our goals. Thank you.

i received a letter this morning from a claims management company stating that i could claim back over £2000 + interest for a mis-sold PPI on a mortgage i took out some time ago. the mortgage was with crystal clear home loans, who, according to the letter ceased trading some time ago, making the claim more complicated than dealing with a high street bank as the broker is out of business. luckily they want to want to help take the stress (and a percentage no doubt) out of the claim for me. What do i need to do to start the ball rolling? i have no dates, it was around 2006/7, no account numbers just this letter and i begrudge paying these firms so any advice would be greatly appreciated thanks dave.

Hi, Does anyone know what Nationwide is likely to do in our situation please? Wife is 16 years older than me so we had a 10 year self cert mortgage taking her to age 65 originally through Derbyshire/Salt and now taken over with Nationwide. About 12 months ago we rang Nationwide after receiving a standard letter re repaying the loan at the end of the mortgage term. The friendly but extremely unhelpful call center guide was only interested in referring us to an independent mortgage advisor when asking about options and whether we could extend the term as they couldn't give advice and there were NO options on Nationwide doing some sort of deal or changing the mortgage. There wasn't much point in talking to a broker as my business went south in 2009 and we have wobbly credit, can't prove income to service the loan now although have no arrears or ever been in arrears. Instead we have been trying to sell the property - £255000 mortgage and 2 local estate agents started us at £395,000 now down to £340,000 and only 3 viewings in a year! I have been trying to understand 'Forebearance' but can't find any examples of any lenders being helpful to customers when they can't afford repayment. All we want to do is to continue actively trying to sell it while paying interest only rather than have it repossessed and forced sold. Does anyone know what is 'likely' to happen - particulalrly where Nationwide are involved? Any thoughts or advice would be really appreciated. Wife was just going to leave today she is getting so upset. We have until Feb for the mortgage term to end although haven't received any notices about the mortgage since last year. Thanks

Hi there, My Brother In Law has just discovered that his bank had fixed his Mortgage for 5 years at 3.89% without his consent. He has demanded to see the signed document the bank could not produce the signed contract he has been into branch and seen on the computer also that the contract is not signed in the signature box. What should he do in this situation? Any help would be much appreciated. Thanks

Hi, My partner and I have been overpaying her interest only mortgage in order to try to reduce the capital. Due to changes in our circumstances we can no longer do this and have reduced the monthly payments back to the original. We could do with some extra money over xmas and wondered if we can recover the overpayments made this year? As I understand things the interest is added at the start of the year so as long as we pay that amount over the year then we should not have a problem. I'm not sure if the Building Societies year runs Jan-Dec or April-March but can find that out. Your valued advice would be appreciated.

11 years ago I was taken seriously ill and due to the illness I lost my job and ended up in a financial mess resulting in my house being repossessed. Thankfully my health has stabalised and I'm now starting to get to grips with my financial mess. Having checked my credit reports I noticed Natwest were reporting missed payments each month on two mortgages and a loan and hadn't recorded any of the defaults or CCJ's. I lodged a complaint with Natwest which they upheld due to inaccurate reporting of my credit file when one mortgage and loan had been paid off with a full a final settlement and the other mortgage had resulted in a repossession. To compensate me for inaccurate reporting over the past 8 years they've sent a cheque for £125 which I don't believe is adequate. However, whats more worrying is that they have now listed the mortgage shortfall as an outstanding mortgage even though the property was repossessed over 7 years ago. While I don't dispute the amount is outstanding I didn't think they could report the outstanding balance once the account had been defaulted and subsequently repossessed. Am I correct or are Natwest allowed to register the mortgage shortfall in this way on my credit file ? Thanks

I rang Paratus AMC Limited to ask what my mortgage repayment would be after the Bank of England Rate raise, I was not surprised to be told it had increased but was shocked when I was told Paratus AMC Limited had added Buildings Insurance Premium of nearly £50 a month to my mortgage repayments!! - which means I would be paying over £500 a year just for insurance, when the fact is I have my own buildings insurance and much lower. I asked why they had added Buildings Insurance Premium, I was told it was a legal requirement, but I've had my own Buildings Insurance in the past and never had this problem before! Now out of the blue, Paratus AMC Limited have added Buildings Insurance Premiumof close to £50 following the Bank of England Rate raise. I told them I have my own Buildings Insurance and I want the Buildings Insurance they have added to my mortgage to be cancelled, but they refused to do so, asking me to send in the insurance schedule, so they will check it and then decide if they want to cancel it or not. They also sent me a letter, detailing adding buildings insurance to my mortgage, again they should never have done this without asking for my permission and I don't need it because I have my own insurance. Paratus AMC Limited have added the Buildings Insurance illegally without my permission, they can't do this and I want it cancelled with ASAP. Please help me draft a strongly worded letter I can send to them, before my mortgage payment is due later this week. Do I really need to send them a copy of my insurance schedule or will a strongly worded letter be enough?

Hi all, I'm hoping I can get some help on this I have a property that is let out (with permission from my mortgage provider) while I have been working abroad. The mortgage provider has my correspondence address on file. The management company for my estate charges me an annual fee. I've been late paying this before so I signed up to their online account so I can track it online, which is easier for me. In September 2015, they emailed me saying that they were moving to a paperless solution and would be emailing invoices and other correspondence from October 2015. I did not receive an email and forgot about it until Jan 2017 when I got an email requesting payment for 2017 charges and promptly paid. I picked up my mail from my rented out property August 2017 (most of my mail is redirected but some slips through occasionally) to find a letter from my mortgage provider stating that a charge of approx £720 was added to my mortgage in respect of late rentcharges. This letter was dated June 2016 but they sent it to the address I have let and not my correspondence address so I did not get it at the time. I have received letters from them before and after this date to the correct address. I went back through more mail to find that PDC had sent me letters chasing the management company's invoice (that I did not receive). A quick summary (all these letters went to old address so I only got them in August 2017): early Feb 2016 - management company sent "final demand" letter for payment (not paperless!) (approx £150) late Feb 16 - PDC wrote asking for £370 and including a form asking me to authorise them to take it from my mortgage provider early March 16 - PDC wrote again asking for payment mid March 16 (10 days later) - PDC wrote again stating Section 121 and asking for payment of £720 to avoid legal proceedings. They sent this to my mortgage provider too late March 16 - Mortgage provider writes to me (at wrong address) saying PDC alleges arrears of £720 stating that they won't take action unless they get evidence that PDC can take forfeiture action early June 16 - Mortgage provider writes (to wrong address) to inform me that £720 has been added to my mortgage I called mortgage provider and they told me that PDC provided "evidence" of a CCJ against me in April 2016 and that is why they paid. I checked my credit file recently and no CCJ has been recorded. I also never received a letter from PDC after mid March. I've seen other posts about PDC on this forum but most people were able to stop action before they went to the mortgage company. I'm looking for advice on what I can do now to get those funds back from PDC. I have also filed a complaint against mortgage provider for not writing to my correct address.