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Found 19 results

  1. Hi, Sorry for the details but its been a long stressful journey that never seems to get better. We started the process of buying a new build property using the shared ownership scheme in early July. We used the builders recommended mortgage brokers and conveyancing firm. This is where the problems started. The mortgage broker messed up our income calculations and we ended up with a hard credit search from a lender that would not have lent to us. They then could only find 1 more lender who deals with shared ownership but needed 5% more deposit. We managed to
  2. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  3. Hi all, I'm kind of in the same boat with these guys, http://www.consumeractiongroup.co.uk/forum/showthread.php?476654-Australian-Debt-Complete-Credit-Solutions&p=5042016#post5042016 but for a far less amount ($5k). Im based in NZ - long story short the debt is in my name, but don't trust your (now ex) girlfriend in an absolute manner to settle the debt on breakup, even though its hers! No amount has been paid on this in two years. What is a reasonable timeframe to propose for a payment arrangement? Its a rather small(ish) amount, so I do know they won't be sp
  4. Hi there, I have recently been contacted by the above company about an outstanding debt from my time in Aus, I left 5 years ago. They have called and emailed (not sure how they got my details plus my name has changed). Below is the email from them, firstly I don't work, I am a stay at home mum and secondly, I just need any advice possible on what my course of action should be - any advice much appreciated. 'My office has made several attempts to contact you to discuss your outstanding Commonwealth Bank Personal Loan matter that has been assigned to my office. Your balance as of
  5. Hi please can someone help me. I was awarded a suspended eviction order on 9th November 2009. Whereby the judge ordered if I had to go again I had to go before him and He would basically chuck us out (due to me being there previously) That was dated until November 2010 - Will this be relevent now. Mortgage is with Santander. I have fell behind a few times since just before xmas, but ALWAYS made it up. I am up to date with my payments. And dont owe anything til end of September. My arrears currently stand at £856.71 I have been away on holiday, and come back to
  6. Hi Guys, I'm new to cag, so I hope what I'm putting is ok. I have read most threads if not all on here about similar cases but I wanted to start my own to get some advice that is specific as there is so many different things being said. Are Complete Credit Solutions Pty registered with AU FOS or Asic or should they be to carry out collections? Thanks for any answers in advance.
  7. Hello. First post to the forum and well, what a mess. I think I've posted this in the right forum as there is no mortgage involved in this. When I found myself in the incredible situation I'm in, which I will expand on in a moment, I had a look on various help forums to see what information I could find on what happens when a property sale fails to complete after contracts have been exchanged. I found lots of posts along the lines of "in 20 years of conveyancing/being an EA I have never seem this happen" etc. So... Let's see what the experts here make of this. It's quite a lot
  8. My wife CCA'd the RBS regarding her credit card. They have sent back a copy of her application form (below) and a copy of a 7 page Credit Agreement. The copy of the credit agreement is unsigned (in fact there is nowhere on the agreement to sign) so I imagine if thats their best effort, the agreement is unenforcable. What do you think folks.
  9. Hi there, I have a catalogue debt which I stupidly did not pay and ignored and it run up to £1586 now including all costs from solicitors. It has been to court and is now registered as a CCJ and now an attachment of earning I have received to complete within 4 days a return to Romford County Court or face up to 14 days in prison (Im a single mum with 2 children) I have currently started a new job and have been working for last 2 months. My son receives middle rate DLA which I have stated on the earnings form and have put an offer of £10 a week to pay and
  10. Hello everyone ! My landlord has not paid my deposit into a rent G'tee scheme . Can anyone provide a copy of a completed form 1 ( perhaps with dummy info ) to take to sheriff court ? I really don't have a clue how to fill it in Any help would be appreciated. Thanks
  11. Hi all more woe Ok so recieved a letter from Freds saying contact within 14days Then receieved letter from BC saying 14 days or they will be recommending their made up law and trying to get a CCJ by default and bryans fees Thought about just sending the SB letter as all the debts are well past their sell by date I have all the default notices from the original creditors and they are 2005 lowell did place one on my credit file in early 2007 and even then 6 months later for the same account on the same CRF I have a printout of it ,which was an offence in itself , they all dont eve
  12. Hello, I hope someone can help me with this pcn. I received a pcn for parking in a restricted area. I have attached the photo evidence I found on the pcn payment website, and as you can see the photos were taken in complete darkness. While you can see my car's plate numbers, you cannot see the street at all. Is there a basis to appeal this pcn given that you cannot see a contravention in the photos. Any help would be appreciated. Many thanks.
  13. A firm of licensed conveyancers, both partners of which are solicitors, has quoted me £125 + v.a.t. for completing on line HMRC form SDLT1. According to the HMRC website, this form can be completed by anyone in 10 minutes. A comprehensive guide to its completion is provided on line. When I queried this with them they offered to reduce it to £100 but this still seems to me to be excessive remuneration for a few minutes work. In any case, why is this not included in their legal fees as most mortgagors insist that the payment of SDLT is done by a solicitor.
  14. Hello all with the help of this forum I' e managed to pay off two large payday loans as of today and break the cycle!! However the final payment on my wonga loan was due today! As I paid a single payment at the beginning of £50 the payment should have been £77 something! But wonga have taken £133, I have emailed wonga regarding this but wondered if anyone has any tips or emails so that I can get this sorted ASAP! Irishson
  15. GE Money were granted possession of our property for Tuesday 14th May whereby they could then apply for a warrant to have us evicted. However, yesterday (30th April) we were able to settle our account with them 'in full' including all the oustanding charges and court costs. Will we still need to complete the N244 to suspend the Possession Order and if so what is the Court Fee? The paperwork we have refers to a booklet EX50 (Page 7) but this page doesn't relate to repossessions. Please advise
  16. The summary is that the landlord failed to establish a sinking fund to collect money to set against major works. A large lump sum payment was demanded creating a huge burden and was based on estimates without surveyor inspection based on what the surveyor thought would e required for a set of properties on the landlord's books without consideration that the new freehold bought (where I am a lessee) already had major works done in 2000/2001. The other adjacent properties had not had this kind of work done. This new freehold where the contention is was bought in 2004. There is legal ambiquity wh
  17. So, we have had a letter from G24 stating that we stayed in a car park for over 4 hours on a recent Saturday with photo's of us going in and then out again. Whilst we did enter the car park at 12.30pm, we also left (having met my parents there) about 7 minutes later. We then went back to the car park at about 16.50 to visit Toys R' Us to buy a game. They have then included the photo of us leaving the second time and arriving the first time. I sent them a letter stating all the details of what happened on the day, and they are still pressing ahead with the penalty charge notice - ca
  18. I am not even sure where to begin - I have read through many posts, and no-one seems to be in a situation as bad as mine. Today, I am feeling so bad I feel as if I can't go on any more. We have over £80,000 of debt in total on mortgage arrears, credit cards, payday loans - you name it. All I have done is borrow more money to keep going. What an idiot I have been. I have contacted Payplan recently, but am waiting to hear back from them with their proposals, but I know they are going to say we must go bankrupt. We have three properties, one we l
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