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Found 10 results

  1. Hi Everyone, Tricky situation, but I'm hoping for some guidance, found a few bits of info on here. Unfortunately my father passed away last summer. I am joint executor (with my sister who lives overseas). Here's the background but unfortunately I don't have much paperwork - He had a small bungalow worth £225k but also a £162,500 mortgage. This was sold by GE money to him, aged 70, for 14 years (In 2004) - interest only. He wasn't great with money(his whole life tbh) and soon fell into arrears. In 2006 it was sold on to Engage Credit. We are about to finally c
  2. I have just sold my house. The redemption figure inclued £6284 of additional charges. Originally this was a Ge Money mortgage taken out in 2002. Every month in the detailed summary I received there was a £40 Administration fee until February 2015 when it stopped completely in Addition a monthly Reactive fee due (LRO) of around £23 What is a reactive payment due? This was charged up until february 2015 and then stopped and replaced with Fees payable of around £20 a month Also additional interest of around £30? Are all these charges legitimate?
  3. I own a pub last year got hammered with rate rises which has had a pretty rough impact on the business.... even though they aren't yet at the peak of the new ones the amount on rent and rates leaves cashflow very tight. I've had Engage services contact me for a debt of just over a grand they've refused any payment plan saying they intend to disconnect. The account is a business account, however the pub is downstairs and we live above it with 2 young children there too. I know residential addresses cannot be cutoff but business can be but we only have one source o
  4. Hi all, In need of some advice / help and lots of reassurance. My mortgage was with GE Money and was transferred to engage credit last year. During last year I suffered an attack and since then have had mental health issues PTSD etc. Subsequently I took redundancy in July 2015. Redundancy maintained payments up until the end of the year, by which time I had applied for ESA and PIP.. I am now in the ESA support group and receiving PIP. All the time I have maintained contact with engage. GE had a suspended possession order as of Dec 2010 and that was maintained a
  5. hi all, apologies in advance if posted in wrong place or incorrectly. I had a secure loan with future mortgages and that in turn was sold to engage credit which has been sold to Skye loans. Are they allowed to do this ? and is Skye loans a mortgage company? I cant find much info on them at all. Also I had PPI with Future and want to reclaim but not too sure how to or who to at the moment. Any assistance would be welcome. thanks Highjinks.
  6. I received a suspended repo on my home last March and have since kept totally up to date with both the mortgage payments and the arrears (the arrears are paid separately). Yesterday, however, my DD bounced for the mortgage (the arrears element was paid last Friday) and I'm worried about what will happen. Will they simply re-apply for the DD and impose charges or will they go straight for re-possession? Some advice would be appreciated. Also, a few months ago, they asked if I wanted to capitalise my arrears because my payments had been so good, will
  7. Well, not quite yet but the emdrive or Qdrive http://www.digitaltrends.com/cool-tech/emdrive-news-rumors/ Those interested in the field may remember Eric Laithwaite, the inventor of the linear induction motor (maglev). and his inertial propulsion theory See him in BBC's Heretic series and http://richannel.org/christmas-lectures/1974/1974-eric-laithwaite
  8. Hi Last year we were in mortgage arrears and were told we would be taken to court, they were after a possession order. Stupidly I didn't get legal advice due to cost and my local CAB being unavailable pretty much all the time. The Mortgage company said if I arranged an amount per month with them in additional to my payments they would just get a suspended possession order and I needn't attend court (bad advice it seems but I was naive). so they got their suspended order and we started paying it, but then had some work difficulties and went through a period of not being able to pay
  9. Hi again everyone. I have just received an appointment for my Work Programme (Sarina Russo) Engage Phase which is on Friday with a completely different adviser. Not looking forward to this as I don't really know what to expect. As some of you may or may nor remember - I am moving to York soon (no date yet though but hopefully within a few weeks to a month) and I really do not want a job where I currently live as I want and need to move away for a clean and fresh break - coupled with the fact that I could accept full and part time work if I moved - upping my chances of finding work, if I s
  10. Hello, i got a brand new mortage in 2007 and a couple of years later i fell into arrears after being made redundant from my job. I was with Adantage mortages and in all honesty even after running up £8500 of arrears, they never went for a reposession as i paid as much as i could and remained in constant contact with them throughout. From early 2010 we switched to an interest only mortgage and had got the arrears down to around £6200 by september 2012. The only thing advantage did was to put lots of "fees" on our mortgage in terms of £55pm arrears fees and a couple of "cou
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