Hi, Wonder if anyone can help me with some advice. Me and my partner at the time took out a mortgage for 100k back in 2004. In 2006 my partner walked out on me and left me paying the mortgage. We came to the agreement that she would pay £100 a month and I would pay the remaining £500 until we found a buyer. Unfortunately we ended up in arrears as I was foolishly paying her the money and she wasn't passing this on to the lender. I then said enough was enough and we handed the keys back as I couldn't get her to pay anything towards our joint mortgage. She seemed to think I lived there so I should pay all. Accord had the property for sale for six months and then sold cheap leaving us a 58k shortfall. 9 years later we still owe 58k. I offered a final settlement of 5K originally that was rejected and since have just made small payments per month as I've been out of work more than I've been in work. My ex on the other hand has become a qualified accountant and earns good money in a perm job. Part of my reluctance to pay back was that she wasn't making payments. Latest letter from Accord is saying they want to split the debt 50/50. I've asked for details of all payments made by both me and the ex as I'm not too happy with being given a figure without seeing what payments were made. They are saying they cannot tell me what the other party has been paying. I must be entitled to see this given its a joint debt? I'm currently working, but due to be out of work come March. The most I could offer against the 29k debt is 2.5k and I don't really have that as would be borrowing off family. I don't have any assets. Best they are going to get out of me monthly is £5 Any advice?

Hi I am in arrears with Paratus AMC (Previously GMAC) whom I gather to be difficult to deal with. As part of their pre-action they have kindly forwarded me the complete statement of the account. In it I have noticed that there are a large number of fee items and wanted to know if anyone can advice which ones can realistically be claimed against as unlawful charges: Unpaid DD Fee (£30) Arrears Fee (£50) Non Payment by DD Fee (£30) Thanks for any assistance

My home was repossessed about 4 years ago. it was sold soon after. I checked my credit file recently and the mortgage account is in green marked as settled. does that mean that there is no debt now or that whatever the debt is now managed by the mortgage company's in house debt collectors.

If my mortgage was missold. I understand that the capital loaned to me has to be repaid, as mortgage no longer exists. My question is, if this happens, would all the payments I have made over the last few years go towards this?

Hi Can someone give me some advice regarding a letter I received this week. It started last week when I sent a letter away asking for a refund of charges made to my account over the last 6 or 7 years, within a week I received a letter regarding another matter linked to my account informing me of a refund I was due. In the letter I received they had included some figures and said my account was to be paid off in full and the extra money that I was due was to be sent out to me by cheque in the next couple of weeks. This as you can imagine is a pleasant surprise but I was also wondering if the figures they are quoting are correct and that I am receiving the correct amount of money due to me. The company in question are ( london & scottish) who were taken over by a firm called .. this is who I received the letter from. I also downloaded a document relating to ( London & Scottish : In Administration) which I am finding quite difficult to understand fully, the way I am reading it I reckon I would be due more than the figure they have quoted. I was wondering if I could pm one of the forums administrators with the info I have at present for himself/herself to have a look at their conveiniance. thanks

Hi everyone , I have revived a letter today from GE Money Home lending ,,informing me that my mortgage as sold to Kensington ,does anyone know the reason as to way.

I have today received a letter from GE stating that the interest on my interest only mortgage has been calculated incorrectly It states that the interest should be calculated daily and charged monthly , however it has been calculated monthly and charged monthly This has come out of the blue and contains no actual calculation and a credit has been charged to my account I recently had an experience with Royscott Finance , and because they had not supplied annual statements I received the full amount of interest charged over a 2/3 year period. Have I got any rights to get the interest back or any form of compensation in relation to this ? Any advise would be greatly received Thank you in advance

Evening I will try and be brief. About 2 years ago my wife walked out on myself and my 21 year old daughter. I am working and am on a reasonable salary while daughter works 30 hrs a week. When we brought our house (which is in good positive equity) it was under a Joint Mortgage. My wife is now overseas and for my daughters sake we have kept things amicable. Since then we have been scraping along justs about keeping bills under control. The mortgage company is unaware we are seperated and sometimes I have been unable to make payments. I have used all my payment holidays up. Its starting to come to a head. I will not be able to make this months payment and probably not next months. I am planning to phone them up tomorrow but am not really sure how to explain why I cant pay.For many reasons selling the house is not an option. Do I tell them the real reason why I cant pay and that will jeopardise my mortgage. The reason (amongst others) I am hanging on is that in a couple of years time I am due a share payout which will definitely tide us over for a couple of years. Any suggestions would be appreciated.

Hi all, I wonder if anyone can help. Today I have found out that my ex who we split 4 years ago but still have a joint mortgage on the old property we shared has increased the mortgage to include the arrears he is in. I do not contribute to the house in return he doesn't pay anything for the children. I am livid, is it my understanding that this is some type of fraud because he would have to sign to increase the loan amount. I am anxious as I want to get my name off the house but he keeps telling me that in 12 months it will be fine. I really fear that my credit rating will be effected by this in the future. My understanding is we are both jointly responsible for the debt. Any legal advice would be appreciated Yours Marie

Hi, Apologies as its my first Post. I wrote to BOS regarding a PPI claim on a mortage from them dating back to 1995, the only info on my mortgage account No was found on a letter to them just before I transferred it to Standard Life in 1999. I had mentioned the address of the "Mortgaged" property and the number in me enquiry. They responded with a letter saying it was an unverified Account No and wanted more Info. I called them up and had the runaround, but was eventually told by a chap to contact Section 77, Completion Center, Premier House, Chester and they would carryout a search for a £1? Does this place exit? And what else can I give to BOS? Many Thanks

Hi Am asking this on behalf of a friend: Barclays Mortgage In joint names of man (friend) and his ex partner (not married; now living with someone else). She left him and the property in 2007. He has continued to make mortgage payments (repayment & Interest / apx 8 years to run). She has made NO payments since 2007. (He has also taken care of 5 kids) He wants to get her name off the deeds and mortgage and he wants to sell. She has disappeared. How can he resolve this? He also doesn't want her to benefit from the increase in property value since 2007 !! Mostly because she left him and has contributed big fat 0 ever since.... Does anyone have any advice please ??

My friend who is in the middle of divorce has been refused 3 mortgages due to her husband late payments of their mortgage over the last few years, which has affected her credit rating. She now has two weeks to vacate her property with her son and look for another one. She is unable to afford the landlords extortionate rental prices and will be in effect homeless. Is there anything she can do??

After some research on here I now know the true horror of what Vodafone have done to me. To cut a very long story short my Vodafone account was closed early and paid up by me in June (so I thought) PAC code transfered all done. Goodbye Vodafone - hurrah! Get a letter in September saying I still owe £90odd . I have contacted them on many occasions saying please can I have an invoice so I can see why you think I owe this? Athough promised each time nothing received, next I get mail from debt collection and then black mark on my (previously perfect) credit history - Just as I'm apply for a mortgage! Thanks Vodafone!! they can say I owe them something , not produce an invoice to back this up and then ruin my chances of getting a mortgage with absolute and complete impunity! On the advice of my mortgage broker I paid the o/s amount to minimize the damage. When I did this I was told i could speak to the team that placed the marker against me as I wanted to explain it was paid late because vodafone did not supply me with the information required to resolve the dispute and therefore please remove it. After the amount was paid I was put through to sales! When I called back to try once again the line was dropped after 50 minutes . I just dont have to time to spend many more hours on the phone to receive empty promises. So even after paying an amount that im not sure I owe I still have got nowhere in clearing my name . Its shocking and I cant think of any other industry where people could behave like this and get away with it.

Morning. If someone could point me in the right direction it would be appreciated. My circumstances are this. I have been suffering with depression for years and being out of work made things worse after losing my job and had to start signing on. I was on JSA for a couple of years and whilst on that was initially receiving housing benefit? towards my mortgage (interest only) which was a massive help. I was actively seeking new work and applying etc but the bull**** work programmes drove me mad (literally) with the stupid tasks and courses designed for kindergarden. I ended up turning to alcohol and this obviously made my depression worse. I then signed off over the phone and DWP said that I could move onto ESA (I cant remember what I needed). I declined as I just wanted to get off the phone and felt such a huge relief that I didnt need to worry about being harrassed by A4E and then have been living off my credit cards for the past few months. In short, I am now massively in debt, still out of work, still depressed and up s**t creek without a paddle. Where can I go from here? I need financial support. Im aware I need to get further help for my depression but whilst I have the added worry of being close to getting into a position I am going to lose my home, I need to get this sorted first. What are my options? Obviously I can sign on to JSA and go back to A4E but this has to be the last resort. I am /never/ going to get better while I have to endure that belittlement on a daily basis. Now I'm sure I can register for ESA - but how do I do this. Do I need to goto my doctors first for a sick note or do you register first then prove it later? Because I was on JSA, can I just ring them and ask them to put me on ESA without having to apply for anything or has it been too long now? I cannot emphasise enough that I really struggle with 'people' and waiting. Filling in application forms is fine, but going to interviews and doctors is something I dread and sends my anxiety sky high. And last but not least, my mortgage support stopped last time (from memory you could only have it for 12? months). How long do you need to be off benefits before going back before they will give you the mortgage support again and can this be got on ESA or is that JSA only? Thanks in advance. Mark

Hi I currently have a together mortgage with NRAM, got this back in 2006. I took this mortgage on with my now ex girlfriend. For the last 4 years I've been trying to get her off the mortgage and she is happy for this to be done. I have 3 defaults on credit cards, which are due to expire in 2016, when I asked NRAM to do a change of parties, they want to do a affordability check, which then stalls due to the defaults. They won't even go any further with the application as soon as they hear the word default. I have paid the mortgage without any missed payments for the last 4 years and find it frustrating, that NRAM simply can't remove my ex who doesn't work and hasn't contributed in those last 4 years. Surely they should look at the payment history on the mortgage to see there aren't any issues. I know the affordability checks are to stop people overspending, but they aren't supposed to use this with existing customers. Has anyone been in a similar position with NRAM and actually managed to get their ex removed from the mortgage? Thanks in advance Chris

Here is the background: I have an interest only mortgage of £208K with Chase now JPMorgan. The mortgage term ends in Nov 2016. I have never missed a mortgage payment in 15 years or been late. Our house is worth £280K according to recent sales in our road. Two years ago I had to take out an IVA for the £30K, so have 3 years to go. The problem: I have approached Chase and asked if I can extend the term of the mortgage by 5 years. They said I had to be treated like a new application and because of the IVA they could not help me. In fact no mortgage company will help me because of the IVA ,unless I put down a deposit of 50%, which I have not got. Is there anything I can do to persuade Chase to extend the mortgage for another 5 years? In that time I can get myself straight and pay off the IVA. If I had been in arrears, it seems that the banks are willing to help. I must have proved that I’m a good bet for a mortgage as never even been late for a payment. Does anybody have any suggestions please?

Edit, sorry, I was changing the title and hit enter by accident, the title should read. No contact ffom loan company about deceased parents secured load. --------- Hi, I'm hoping someone can offer some for of advice. My mother passed away in 2012, she had a secured loan on the house, not huge, it ws 7k and at the time she passed there was 3.6k remaining. Being disabled she didn't have a massive income and her insurance policy covered her funeral and that was it, she has £70 in her bank account and no other money or assets besides the house. The loan company (Santander) were great, said we needed to take the details of probate in and everything would be on hold until then. Her will was written when I was a child so I was the benificiary but not the executor. Everything had to be done through her sister. It took a while to get probate sorted as the solicitors who had the 'official' copy of her will had closed and neglected to send their documents to wherever they're supposed to have sent them when they closed (Sorry, can't remember exact terms), we had to try and track down her will and when we couldn't we had to apply for a signed letter from some place (again, sorry I cant remember exact terms) that allowed us to go and sort probate, that took a while and it was fnally sorted around a year ago. myself and my aunty took all the needed documents to santander who took copies of everything and said they'd be in touch shortly, I distinctly remember the woman saying it is usually a quick process. They kept calling the secured loan a mortgage, are these two the same thing? It's now been a year and I've heard absolutely nothing from them. Neither has my aunty (We aren't sure if they'll contact me now probate has gone through because I'm the benificiary or contact her because she is the executor). Nothing besides the monthly ststements which has in big bold writing at the top 'This is for information only'. I know it sounds stupid and anyone reading will think why have you not called them, a few reasons really, I'm terrified for one, I've lived in this house my entire life, I have nowhere else to go, the house is in a terrible area and needs a lot of work, it's not worth enough for me to sell and buy elsewhere. And secondly my own health hasn't been great, mental health that is, I've suffered from severe depression and extreme anxiety includig time spent in hospital due to attempted suicide. I'm currently unemployed and am terrified if I call they'll say they want all the money or they want massive monthly payments that I can't afford and i'll basically end up losing the house. I've no idea what to do, do I call and see whats taking so long and why? Or just leave it and wait for them to contact me however long that takes?

I have been working as a self-employed mortgage broker until I resigned in July 2015. I signed a service contract with the company and commission was to be paid at the end of each month on a 50% split basis i.e. I get 50% of the commission for all business I write. Business has been very slow and in August 2014, the company incorporated under an umbrella company who took on most of our compliance. The director told me that the commission split would change to 35% for the first £3,000 of business written and 65% thereafter. This was apparently done to reward hitting higher targets. This was never confirmed in writing, only verbally. I left in July and got a commission statement at the end of July, although no commission was due. The contract says we will continue to receive commission for 3 months after we leave, so I expect a commission statement at the end of August, but nothing! No commission, no statement - I have chased it 4 times and still nothing! It turns out another colleague who left in July is having the same problem, so after making contact with 3 others who left in the last year, it appears this is a common theme! I have asked the umbrella company to provide me with a list of all commissions due for business I have written and dates it was paid to the original company so that I can piece together exactly what is due. I would like advice on several areas here, as I believe I am owed £4k-£6k: 1. Should I send a subject access request to both companies to get the info? 2. Should I report this to the FCA because this is a regulated company and the guy that runs it is supposedly "fit and proper"? 3. As it appears there has been a deliberate attempt to defraud employees over an extended period of time, what other legal options do I have. Many thanks, D

Hi All, I am in dire need of assistance! I have recently been applying for a Mortgage which has been declined last week due to a default being placed onto our credit files (Me & my wife) by Halifax for an old basic current account which we have not used since 2009. A brief timeline of the events so far.... 17/07/2015 - Applied for mortgage via broker, lender credit checked and issued DIP the same day. 31/07/2015 - Unknown to us until yesterday a new entry for "Halifax" added to both my Wife's and my credit files. 17/08/2015 - Formal mortgage application sent to lender. Lender conducts another credit check and obviously discovers that a default has been added on since the initial credit check they carried out in order to issue the DIP. We had already chosen the property, had the offer accepted etc. The solicitor has ordered the searches as well so we could be considerably out of pocket. I have not had an adverse mark placed on my credit file in over 4 years so to have a default placed 2 weeks before a formal mortgage application is just about the worst thing that could possibly happen timing wise!! What is even worse is that the default is for £39!! The entry on our credit files is as follows: [ATTACH=CONFIG]59110[/ATTACH] As above this account has not been used at all since 2009, we have zero communications from Halifax no statements, letters nothing whatsoever. I managed to find some old paperwork with the account number on it so called into a branch today to en quire as to what had happened to cause a default to be placed suddenly after so many years of inactivity. The chap I spoke to in branch trawled his computer to find the last transaction and issued me with a mini statement which reads as follows..... Sheet: 1 Of 1 Date Issued: 13/02/2010 Date Activity Paid Out Paid In Balance 13Feb10 0.00 13Feb10 CHG ACCOUNT CHARGE 15.00 0.00 15.00 DR TOTAL PAYMENTS/RECEIPTS: 15.00 So as you can see the balance on the account was zero, then for some unknown reason Halifax applied a charge of 15.00. Presumably this has been incurring interest for the past 5 and a bit years hence the default of £39.00. There are no other transactions recorded for this account after Feb 2010. I appreciate the correct approach to this would be a SAR etc.. however as explained above I have just had my mortgage declined. Our existing tenancy agreement terminates in October with no change to renew. And I dare say we will struggle passing the stringent credit checks carried out in the current rental market. So I need to fix this problem as quickly as possible, we also have an appeal in progress with the lender which I am pretty sure will not succeed whilst these marks remain on our file. In summary Halifax have put us into a dire position by registering defaults based solely on a single bank charge some 5 and a bit years down the line!! Without any notification whatsoever. Obviously I need to send a letter asap but my head is a shed at the moment and would appreciate someone giving me some starting points.. Many thanks in advance for any assistance offered.

Hello I would be grateful for some advice. I spoke to my mortgage lender this morning and if I dont find a buyer or settle my mortgage debt they will commence repossession proceedings in 7 days time. My mortgage with Acenden ended last September. I was unable to repay it, so I put the flat on the market, found a buyer very quickly but unfortunately just before exchange of contracts my partner had a stroke, forcing me to stop the sale. Some time later I put my property back on the market again found a buyer very quickly, but she pulled out just before we exchanged. That was a couple of weeks ago. If I ended up in court would I have a strong chance of overturning the eviction. My property is back on the market. I am still continuing to pay my mortgage, having never missed a payment.

My husband has filed N1 form against his mortgage lender for unfair charges after they rejected his initial claim. We have received a bundle from them last week followed by a threatening letter yesterday saying charges are fair and he would be liable for their costs if he does not discontinue his claim by a deadline given. What does he do next. Should he continue with the claim or write a letter to reduce the amount of initial claim and what case law can he prove to back up his rights on this. Thank you in advance

There are many people who find themselves in my position . Interest only mortgage coming to the end and there are either insufficient funds or no funds to repay the capital sum. In my case I took out a 10 year Interest Only Mortgage ( Idon't know why it is only 10 years) I have contacted Santander a few times over the last 2 years to see if they would extend the term but they just refer you to customer services to start a whole new loan . I no longer fit any criteria to get a loan . I have never missed a payment even though I am on a very high rate compared to other lenders or teaser rates . I am now retired with a younger wife and four-year old son . I got until February 2017 to find an answer to my problem. I have read the FCA guidelines 2013 but its just guidelines and Santander doesn't wish to play ball. Anybody got any ideas?

**Please accept my sincere apologies if I posting this message in the wrong forum (newbie)** Please can I have some help/recommendations on the following?: In FEB 1994 I took out a mortgage with Lloyd’s Bank (the underwriter was Blackhorse) and the term was for 12 years (FEB 2006). I moved in DEC 2000 and still kept my mortgage with Lloyds Bank but the underwriter was now Cheltenham & Glouster, in 2001 I paid off the mortgage following redundancy payment from my employer. I have found a PPI policy for the Blackhorse mortgage (I assume I paid PPI on this from FEB 1994-DEC 2000) but cannot find my Cheltenham and Glouster mortgage PPI policy. I do recall in 1994 that I was told I needed to take out the PPI policy in order for the mortgage to be accepted but I didn’t need the insurance as I worked for ‘Lloyds of London’ and would have been covered if I couldn’t work due to illness ect. My questions are: 1) Do I write to Lloyds Back directly as they provided the mortgage regarding the PPI or do I write to the underwriters Blackhorse and possibly Cheltenham and Glouster regarding the PPI? 2) As this is relatively old now am I still able to make a claim for misold PPI? Thank you for reading and thank you for any help you may be able to provide. Kindest Regards

This one is weird. My mortgage statement from Dec 2013 shows NRAM have written off a mortgage shortfall off approx £590k (yes, £590,000). I do not have a statement for Dec 2014. I am not sure if this is a true 'write off' or whether it is just transferred to a suspense account or the like. The property was repossessed by NRAM in August 2012 after a long long fight. The mortgage was almost £1.1m with all costs and charges and arrears etc and the property had been worth £1.2m. Before repo we had offers of around £900k but could not sell as it would not clear the mortgage and NRAM are the most unreasonable company I have ever had to deal with. The property was repossessed and the same agent who was marketing it and had said it was worth around £1.2m plus then 're assessed it' for NRAM at about £650k, yes £650k and they continued to market it at a much lower price. The buyers at 900 magically disappeared. It didnt sell even then and was gradually reduced during 2013 until an offer for around £570k must have been made. We only knew this as I saw it on a different agents web site and decided to try and stop the sale as an under value sale. We even went to court for an injunction to stop the sale but lost although a potential case for an undersell is still possible. I feel very strongly that there was an arrangement for the agent to get it to sell as low as possible for his own personal reasons (we had known him for 10 years and he said this was one of his op 5 houses in the town). There was something just not right about the process although I cant prove that. The sale went ahead in Aug 2013 and the only thing we heard from NRAM was when a statement arrived in Jan 2014. It shows the proceeds of the sale £540k plus various other smaller amounts, agents costs etc and then it says Repo Writ-Off Cred ....... £590k. This takes the mortgage account down to zero, exactly. A cheque refund of £1500 is then ADDED which takes the balance owed to £1500 (no idea what the cheque refund is). Anyone reading this statement would say our mortgage balance is £1500. It is not a sales statement, it is our annual mortgage statement. Recently we were contacted by letter from PRA formerly those monsters Mackenzie Hall. It gives little detail accept our mortgage ref which is why I know its connected. I do not want to contact them or NRAM yet. NRAM know that if they chase us for shortfall they have a fight for undervalue so is it possible that bearing in mind what the statement says, does this look like they have unilaterally written off the debt. It is possible the PRA contact is only for the £1500 and not £590k. Not sure PRA would deal with this high value shortfall. We have had no letters assigning any debt either. We have a great deal of other debt but with a few things that are happening that debt might be manageable, the NRAM debt would be a big problem. The other weird thing is that the sale is not registered with Land Registry from July 2013. I cannot find any sale of our property registered anywhere apart from our own purchase in 1999. i have searched numerous websites including land registry which list all sales in a road/post code for many years back. I have not paid for a title check.

I would like to begin by thanking in advance anyone who takes the time to offer any advice. I was recently made redundant, and after a couple of months still have not secured a postion. I have around £5K in savings which will last a few months. I have a motgage with santander of £253k and unsecured debts of £45k I did have a job, and was about to remortgage and repayed everything over 15 yeas, even had a mortgage offer from natwest on the table. My question is whether it is worth doing a cca on the unsecured credit card debts...if im honest I'm not 100% sure what the rules are with them.... I figure this will make the £5k go further. also is there any advice on mortgage deferral...and is it worth doing? kind regards