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  1. Hi everyone I received this hand delivered letter today from Debt Management Services LTD. They say they are acting on behalf of Bradford and Bingley, I had a mortgage with them over 21 years ago and my house was repossessed. I have made payments on the account over the years but not anything in the last 4 years. The letter says they want to discuss any problems I may be having with the outstanding account. In order to bring my account upto date they want me to contact them. I can't find out much about them on the net, are they debt collectors or bailiffs ? Any h
  2. Monday, landlord texts me asks me to call him, I do and get told that someone from his mortgage company, he said they do this every so often and that my house along with 2 others were picked, so i said they can call Friday. Friday, a gentleman turns up and asks if im aware as to who he is and why he is there, i told him what landlord said, and he said not really and explains he working for a company that the mortgage lenders have hired to come and look at the house he shows me ID and tell me the company DMS. I let him in, I've no reason not to, he says he has
  3. Hi, To cut a long story short we had our first possession hearing today (20th) with regards to arrears on our Kensington Mortgage. I had initially asked for a "holiday period" from Kensington and they declined "its not their policy". I asked if I could rent our property back in February, they didn't answer. I have asked if the arrears could be added to the end of the mortgage, they didn't answer. I was eventually sent a court hearing date and we attended, giving the judge all the above information................and told her we are waiting for the return of an MI12 form from the benefits
  4. Hi. In 2007 my husband died, we unfortunately had no life insurance. Our mortgage was with GMAC RFC. Without my husbands salary I couldn’t afford the mortgage, they were charging me massive interest rates etc After a year I did a voluntary repossession. They then sold the house at a massive under value and DMS are now chasing me for a shortfall of £107k. I am a single mum who is surviving on benefits now in rented accommodation. I obviously don’t have the money they want. As I was in the accident that killed my husband, I had horrendous life saving in
  5. Hi has anyone heard of a company called DMS (Debt Services management Ltd) their letter head says they are members of the association of arrears mediation. First thing is - is this kind of service any good and will it help. Bit of background. Have a friend who is in arrears to the tune of about £1,500 on their mortgage due to short term problems - they did bury their heads a bit. They brought a letter round to me this morning from this DMS stating that they would be calling in the next few days to discuss their arrears and possible repayment plans etc. that is affordab
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