This is what she has just posted I know this only happens to a very small amount of people, but just happens to happen to us! So anyone thinking or is renting bare this in mind. Me and ********* moved into a new rented house 3 weeks ago with a 6 month contract...everything was fine. Only to be told a few days ago the house is being repossessed and we need to get out by 27th. Because the landlord hasn't paid the mortgage. We were goin to loose around £1000, plus money we had spent on doing house up, time off work etc. they expected us to find somewhere else to live in a few days?! Chucking us out with a 8 month old baby just before Christmas. DO NOT TOUCH LET US LET YOU WITH A BARGE POLE THEY ARE USELESS!!!!! They have been told they can have the deposit back, Is this the best they can hope for or could they be entitled to anything else ? Surely the letting agents have some kind of responsibility Thanks for looking Eggy12

Hi. New to the forum. I am currently trying to help my father through some serious debt problems and having been to the Citizens advice a couple of times bankruptcy is looking likely (although need to save enough money first). I have also discovered though that the mortgage company have been to court and been issued a possession order for his house. The date given on the court form says he should have been out on the 26th October. He has been ringing them weekly and paying something but still owes £500. He has sold most of his furniture and other belongings to try pay the arrears off but it's not enough. I was wondering if anyone knew since the court has already issued the possession order, whether the house is going to be repossessed regardless of what he pays now? They have told him it is in the hands of their solicitors. What happens next? He does have a permanent job but the pay is not great. had an IVA fail as unable to keep up payments. could probably pay off mortgage arrears if had no other debts to pay. also has CCJ and bailiffs coming to recoup another debt. lots going on here. Unfortunately I don't have anything spare to help him (married with two kids) He has accepted he can't keep the house but needs to find somewhere else to live before repossessed. The CAB has said the council are unlikely to re-house him and private landlords won't touch him. I'm unsure where else to go right now so would be grateful for any advice anyone has. Should he keep trying to pay the mortgage company or keep the money to save for bankruptcy?

Hi guys, not been on here for a while but have a juicy one for you. my fiance today had her tv taken by the bayv rep. She had this tv for well over 2 yrs and had all but paid for it. Now i know thats not right but in addition to this, about a couple of months ago when we had that double bank holiday, the tv went faulty, well more the box than the tv, the rep sent her a text message giving instructions on how to by pass the meter by cutting the wire and fitting a plug straight to the tv lead. This was only a couple of weeks after he had text her askin if she was interested in going on a date!!! Rub your eyes coz thats exactly what youve just read!! I have the text messagea to prove that he sent them coz they are from his mobile phone. anyway that aside, she has paid way more than a third of the total amount although as yet i do not have the exact figures. now the plan so far is to e-mail Elaine Mockler and follow this up with an SAR which will be done tomorrow, then if theres no satisfaction a letter before action and finally an N1. Will keep you all posted, hope the rep squirms when he sees whats in store for him and his shoddy company now that i've got the bit between my teeth. As you may guess i'm slightly annoyed as i only found out most of this today becoz hes taken the tv. hope southernjessy sees this too, i may need your expertise

Hi, My home has recently been taken off of me by acenden while I was out of the country for 7 weeks. unfortunately, unknown to me (because I never check my bank, and in the past 8 months I've hardly been in the country to open post) payments had not been made, whenever home i'd not seen any alarming looking post, ie from solicitors (I've had these letters before so would clock that straight away) so presumed everything was fine! and then i got a phone call from a friend who works with a lodger of mine, telling me he'd been woken up to locks being drilled and then told to get his stuff and leave within 30mins! after the initial shock, I got hold of the company now managing the property, who told me that it would be sold at market value etc, and i would receive any equity, as I was due to sell upon my return anyway, at this point I figured to let it go peacefully and hope for a fast sell! Now the property is on the market, I'm thinking that I'm being screwed a bit, the amount is almost identical to the amount outstanding, and is less than 2 other properties in the same post code that both have 1 less bathroom and bedroom! where do I stand with this? the fact that I'd never received the letters for court as i was abroad didn't give me the chance to defend myself in court, at which point I would have been able to clear my arrears, surely for eviction (I know this to be true with tenants) there must be proof that the receiver has received such a letter! there are many other issues here, fees and charges for one, PPI miss sold, and the mortgage itself was a self cert and the company who'd arranged it (warrick finance) told me I had to tweak my income by 5k to get the self cert mortgage, which at the time was to stop a repossession order, at a time of panic, they offered a way out, but into a mortgage that has since been in trouble, as I could never afford ot to start with.............. surely this is irresponsible lending! I am now currently under a high level of stress due to the prospect of the debt from fees this is going to leave me in, and wonder where, if anywhere I stand to take action I will first be sending a SAR to acenden, warrick finance no longer trade, so I'm not sure how to get info from them, I hope somebody can help, thankyou!

Hi, My home has recently been taken off of me by acenden while I was out of the country for 7 weeks. unfortunately, unknown to me (because I never check my bank, and in the past 8 months I've hardly been in the country to open post) payments had not been made, whenever home i'd not seen any alarming looking post, ie from solicitors (I've had these letters before so would clock that straight away) so presumed everything was fine! and then i got a phone call from a friend who works with a lodger of mine, telling me he'd been woken up to locks being drilled and then told to get his stuff and leave within 30mins! after the initial shock, I got hold of the company now managing the property, who told me that it would be sold at market value etc, and i would receive any equity, as I was due to sell upon my return anyway, at this point I figured to let it go peacefully and hope for a fast sell! Now the property is on the market, I'm thinking that I'm being screwed a bit, the amount is almost identical to the amount outstanding, and is less than 2 other properties in the same post code that both have 1 less bathroom and bedroom! where do I stand with this? the fact that I'd never received the letters for court as i was abroad didn't give me the chance to defend myself in court, at which point I would have been able to clear my arrears, surely for eviction (I know this to be true with tenants) there must be proof that the receiver has received such a letter! there are many other issues here, fees and charges for one, ppi miss sold, and the mortgage itself was a self cert and the company who'd arranged it (warrick finance) told me I had to tweak my income by 5k to get the self cert mortgage, which at the time was to stop a repossession order, at a time of panic, they offered a way out, but into a mortgage that has since been in trouble, as I could never afford ot to start with.............. surely this is irresponsible lending! I am now currently under a high level of stress due to the prospect of the debt from fees this is going to leave me in, and wonder where, if anywhere I stand to take action I will first be sending a sar to acenden, warrick finance no longer trade, so I'm not sure how to get info from them, I hope somebody can help, thankyou!

Hello, I am hoping someone can help. I have searched the forum but can't find anything specific about WANTING a car repossessed. I will try and include all the facts. I bought a car in Sep 2009 from Black Horse Finance (HP agreement), total cost of agreement inc interest £18000. The half paid figure is £9000. I can no longer afford the repayments and would like to terminate the HP agreement. I am only £3000 off the 50% figure which would enable me to voluntary terminate, but I am in no position to do this and believe my only option is to allow BH to repossess. I have seen a template letter on the CAB website that asks for a termination under s99 (I think?) of the Consumer Credit Act - is this a good place to start? Am I correct in thinking that the could repossess and then I would be liable for the sums remaining unto the 50% figure? Or will I be liable for the whole amount unto £18000? I am hoping I can get it repossessed and then make a payment arrangment for the remaining I may owe. I understand I will get a default on my credit file. oh and just one more thing... I have cancelled the Direct Debit but my bank warned on screen that the company may reinstate it. Are BH allowed to do this?\ Many thanks for any help/advice received

long story but try to cut short, I had to move to London to secure work and be near sick mother in late august, I rang my lender, Halifax in early august asking for them to allow me to rent it out due to gaining work and being near sick mother and will be working away from now and be very busy with a sick relative too, I even gave them my new mobile number, as commuting would be horrendous and made more sense to rent it out, I was told to ring them back in 10 days once my request was put in for an answer ...they refused... I've been with friends living during week in London since and come back now and then to my house at weekends in first few weeks, but it was getting harder and harder to do this so sometimes I would not be back at house for 5- 6 weeks at a time..... Back in 20110 I got into arrears with my mortgage, but with mutual agreements with my lender I paid more on top through whole mortgage term, it never went to court. Now this august I missed a payment, first one ever since 2010, I had told them this on telephone, said I would pay it as soon as I could, I didn’t. anyway, I asked a friend this weekend to go to my house to collect mail as I had not been there for many weeks ( stupid I know, but it’s the way it is) when they went, they could not get in!!! keys would not fit locks, a neighbour spoke with friend who said someone was there other day and changed locks... so when I was told this I was scrating my heads for a while, I just could make head nor tale of it, what reasons... I nearly called police, but occurred to me to ring my bank, turns out all they could tell me only this as its a Saturday was, my homes been repossessed for one late missed payment, and I have to wait till Monday to speak with legal team part, as its not open at weekends... I’m in a complete panic here, I have ONLY missed one payment, due in August, and I’ve paid Septembers. Paid Octobers too.... how the hell, I know I should have got mail redirected, I know, so obviously I have letters about this, but I just have not had the chance to get to them to read as been working away and looking after sick mother too. I dont understand whats gone on, except they must of wrote to me, and because Ive not been around Ive not see the letters of threat of court actions, so I have not had any chance to contact them back and defend myself, and because of this they gone and got repo because I didnt even turn up at court. What can I do , I really need advice, what do I say to Halifax legal team first thing Monday Morning??? Help

Hi In December ’89 I brought a property for £53,500. I paid a mortgage indemnity guarantee at the time the mortgage. I also started an endowment policy. The initial mortgage company split the mortgage in two giving a main and top up mortgage. This company went bust and the mortgage was sold off to another company (still in two parts). This company then sold the mortgage on again (still in two parts) to a sister company of Halifax (HL6 ltd). I was repossessed in October ’97. The property was then sold for £23,000 by the mortgage company to pay off the debt. This left £30,000 negative equity. At the time of repossession I informed the court , the solicitors acting on behalf of the mortgage company of my new contact details. I did receive a letters for a short time from the solicitors telling me what was going to happen, including a form asking me for my income and outgoings, presumably so they could work out how much I would have to payback each month. This was filled in returned. The letters stopped. I wrote to them asking what was happening, several times over the next few months. I stopped writing and I have still never heard anything. I must add that the contact details I gave to the courts and solicitors was my parents address (where they still live) so I have always be reachable. My endowment is with AXA and is now worth £5,000 (I stopped paying into it when I was repoed). I contacted them to cash it in, they said it is OK but I need a statement of no further interest form the holders of the deeds. The told me it was a company called ‘Berkshire Capital funding’ (never heard of this company). Done some research on them, it seems they buy debts, which they then try and recover. I have written to the court where I was repossessed, got a letter back saying that my case had gone to file. I do not have any of the old mortgage contracts. What I would like to know. Can I safely get my endowment money back, with out string up a hornets nest (ie them now starting to chase me for the £30,000)? None of the above has seemed to effect my credit rating, I have been able to get a mortgage on two different properties. ---- Received a letter today saying that the endowment will mature on 1 may 2013. The company ‘Berkshire Capital funding’, I have checked today and they no longer exists it was dissolved. Still to this date i have never received any communication from anyone regarding this thats 16 years now. Hope this makes sense. Many thanks for any advice Dave

This may be in another thread and if so I apologise but I wondered if anyone give me accurate information. I have had a log book loan through a pawn broker, unfortunately the first 2 payments didn't go through but the 3rd one did on the day they took the car, ironically. However my question relates to the vehicle collection itself. The lender was given a key to the car as part of the loan terms. They used a collection firm to take the car which was removed from our drive without using the key so in other words the car was dragged. We know the car was dragged as there are gouges in our driveway (and yes I have taken pictures). It is an American automatic car so it is quite possible they have damaged the gearbox as these gearboxes have a pin that keeps them in park. In addition the car is very low at the front so it may well have sustained damage to the front valance. We are going to clear the debt this week and have raised our concerns about possible damage with the pawn broker but his attitude is it's our car so we can move it how we want and we don't give the collection drivers the keys. I have tried looking online to find out if they will be liable for any damage caused and it looks like they should be but I just wanted to check.They won't let us inspect the car before paying and insisit they aren't liable for any costs if damage was caused as they own the vehicle now. Hopefully it will be ok and this will all be hypothetical but the drag marks make us think other wise. Also I believe I have 14 days to get the vehicle back but when they spoke to my husband earlier they implied it was 7. Any advice from people with knowledge would be much appreciated. Thank you

My home has been repossesed by Kensington as I had arrears of £6000. Up to the last minute I was suppling them with all the information they were asking for. The Bailliff advised us that we had to give them the keys and that we had 14 days to sort this out and if we had the money to pay the arrears that it should be ok. We then arranged for the money into the account and called Kensington, advised them that we had toe arrears money and also could pay on the future due to working. They refused this and the matter was referred to their onsite management team who refused too. We were paying a HP which we paid off and therefore had that extra money too. Went back to them with this and they advised that the matter would be referred to their management team and i would be called back. I chased them several times and I was told that action was on hold and nothing would be done on the property l a decision had been made and that the person dealing would call me back as soon as a decision was made. A few days later a for sale board went up and I called them again. The person dealing advised me that i had been declined again. I was lied about action being stopped. I was also told that I would be given time to get my bellongings out but when he second request was declined and I asked them to let me remove my belongings they have charged me £100. Is there any chance i can take this further and get possession back? I am willing to pay the arrears on the mort and can afford to pay the monthly pyments. I also have a secured loan wit them which they state is in arrears too of £5000. Can anyone help me or is it oo late? Thanks

I am trying to resolve and end a long term problem with The Black Horse. Can anyone answer me this question. If a vehicle is repossessed and sold at auction, could I expect to have any sort of receipt or official document to tell me on the amount it was sold for etc? I received nothing but mention in a letter and later an amount on a statement. Is this right? thanks[/size]

In the late 1980's my husband and I re-mortgaged our house, for the market value which was arond the £90,000 mark, with the West Bromwich Bromwich Building Society. Due to the ressession and my husband being made redundant we were no longer able to keep up repayments and our house was repossed in 1991. Since this time, we have been lucky enough to purchase another home using an interest only mortgage which we are still paying. Unbeknown to us at the time, as our property had been undersold, a deficit was incurred. It was not until approximately 10/11 years later that we were contacted by West Brom and informed that we owed £112,000. Due to alleged 'compound interest' this figure has now risen to £165,000. Although we have denied the debt, we have been forced by bullying tacticts into monthly repayments of £200 for the last 6/7 years. They also have placed a charge on our present property. My husband and I are both in our 60's. He is retired and unable to assist me in dealing with this due to serious mental health problems. Can any anyone please advise me on the legality of their actions? I can be no clearer on the exact dates as I am not in possession of the original documentaction and am awaiting duplicates from West Brom. Thank you in anticipation.

In the late 1980's my husband and I re-mortgaged our house, for the market value which was arond the £90,000 mark, with the West Bromwich Bromwich Building Society. Due to the ressession and my husband being made redundant we were no longer able to keep up repayments and our house was repossed in 1991. Since this time, we have been lucky enough to purchase another home using an interest only mortgage which we are still paying. Unbeknown to us at the time, as our property had been undersold, a deficit was incurred. It was not until approximately 10/11 years later that we were contacted by West Brom and informed that we owed £112,000. Due to alleged 'compound interest' this figure has now risen to £165,000. Although we have denied the debt, we have been forced by bullying tacticts into monthly repayments of £200 for the last 6/7 years. They also have placed a charge on our present property. My husband and I are both in our 60's. He is retired and unable to assist me in dealing with this due to serious mental health problems. Can any anyone please advise me on the legality of their actions? I can be no clearer on the exact dates as I am not in possestion of the original documentaction and am awaiting duplicates from West Brom. Thank you in anticipation.