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  1. Hi there, Is it still possible to claim back excessive mortgage arrears fees that have been added.I plan to SAR,then work out what i have been overcharged by and send letter to claim back. Can i do this??? Cheers
  2. Hi, I am extremely worried about the possible eviction. I have mortgage with Birmingham Midshires. I live in the property with my mother who is 68, wife and four children age from 1 to 6. Back in 2009 I had mortgage arrears for which court granted the suspended repossession order on the terms that I pay £100 towards the arrears every month. which I did. After some time the lender capitalized the arrears. After few years i got in arrears again but situation got worse because how the payment team at lender dealt with my account. I made complaint on 2 occasions. My c
  3. My partner has been informed he will receive an eviction notice soon not sure when but to get you to grips with stuff we went to court in November 2018 and got a suspended possession order for 350 a month that's 284 for the mortgage contract and 66 for the extra towards arrears which total to 1455 unfortunately due to errors with the bank and me having to go on maternity leave to due having our second son 3 months ago I've been on less income I've paid what I've been able to £100 last month and £200 on the 2nd may and I'm going to be paying
  4. Ive just got the eviction date. Its 31 may Im worried now! What should i do? I know i need to get the N244 in but is there any way i can get it suspended? Cn i say the account is in dispute as i think most if not all of the arrears are charges etc? Their solicitors have said that they will take £1600 to stop the action but where the hell will i get that kind of money?!! I can pay cmp plus £75 extra. Total is around £415pm The problem is that ive had a suspended possession order with the mortgage since june 2011 which has slipped, due to a lot of serious family il
  5. I have been a lurker for some time now, but now need some advice. I have received details of a possession hearing from Blemain Finance for a second mortgage and desperately need some help with it. The form to complete from the local county court does not stipulate any reply timings and we have trying to get as much imformation together as possible before completing it. However, the hearing is early next week and we have spent the weekend getting all the information I can together. My husband and I are self employed and because of one client going into receivership
  6. I am desperately in need of some advice please. Several years ago Acenden got a suspended possession order . I successfully paid the arrears and they were clear until last year when my world started crumbling down. On 30 October I got home to a letter from their solicitors telling me the order was being reinstated due to arrears of £2600 approx. This is just over 4 months worth of payments. I called and was told unless arrears cleared in full there was nothing that could be done . In desperation I spoke to a family member and they loaned me 2000 and I had just over 300.
  7. I'm currently living in a flat that I have occupied on the same level of rent for 14 years. The building my flat is in has been recently sold, with that information and a new Gas safety certificate being passed to me by the Letting Agent. The Letting agency confirmed by email that the building had new owners and that the new owners would like to offer me a new tenancy at a higher rent rate, some £75 dearer. Which is unaffordable and massively greater than the current rate of rent of 2 bedroom flats and houses in my area. There are currently 4 repairs that require doing to the
  8. Hi. I will try to be brief and to the point. I took an assured shorthold tennancy on in a house of multiple occupancy as a cost saving exercise. The landlord told me there was 3 girls living in the house and upon viewing the house it seemed clean and livable. Upon moving in I found out only 1 girl lived there. The next day a new tenant also moved in. Let's just say he was from a diffeent walk of life. His standard of living was well below mine, and he had no social etiquette or co-living skills. Leaving his dirty plates and pans for up to 6 days or more and leaving his dirty w
  9. Hi everyone, My case is turning quite complex and I would appreciate any support anyone has for me. I will try and lay everything out as clearly as possible... 1) Viewed a property on the 21st of October, and noticed some issues with the property (cracks on the outside walls), we asked the estate agent who said it was just “common shrinkage”. As the current tenants were in with furniture / laundry around we didn’t see the full extent of this. 2) The following week we decided to make an offer on the property, and stated that “this offer is contingent on the following: …”. Ou
  10. I signed a franchise aggreement (unfortunately) and I would like to know if the : personal guarantee`s that was included is legal, if it was not witnessed, at the time of signing, and their is no provision for a witnesses signature, is there a set format for this, and could it be deemed invalid and/or, not binding? when is a deed not a deed? Your advice would be welcome. Thanks!
  11. Hello, I have an eviction date of 13/07/2011, i am £7500 in arrears with my mortgage the original repossession hearing was back in 2005/2006, since then I have had a very poorly baby, been very ill myself and still have problems with my blood pressure and liver. NRAM have issued an eviction date and i have complied with them and provided all my I&E details. I rang today to make my normal payment the gentleman stated that they have made a decision and that i need to pay £4k off the arrears and increase my offer of overpayments, they are stating t
  12. Hi, I don't know if I'm posting this in the right place but I need help. My daughters boyfriend has just received an eviction notice, stating the eviction will take pkace a week on Thursday. I'm currently sketchy on the details but it's all due to problems with housing benefits etc. Hes had a nightmare of a couple f years, he was persuaded to take a 16 hour a week job because he was on DLA and could claim working tax credits, he also kept his housing benefit. He then lost his claim to DLA when he had to change to pip and so lost his working tax credits. He also lost his housi
  13. Hello This is my first post here so I've tried not to witter on, but it's complicated. The situation is that I was evicted from my home last year when I couldn’t remortgage it after the interest-only mortgage expired. The circumstances don’t matter, I have no quarrel with that. My query relates to what came after. I had managed to dispose of a lot of stuff I didn’t want, but there was still a lot of stuff I did want, left in the property. I’m past retirement age, live alone, and am severely disabled: I cannot legally walk, I have severe spinal problems and a max awa
  14. My friend is in rent arrears but is paying them off her housing association has served her with a Notice of Seeking Possession and now she has received a letter to attend court. The letter outlines the amount of rent to be paid weekly and their desired outcome is Eviction. Her current arrears is £1800 but she is paying this off weekly however as she is self-employed there are times when she is unable to pay anything. My friend is very worried about what will happen and wonders whether she is able to make an agreement at court or will it be straight eviction. S
  15. Hi. Some help and advice needed please. Had a suspended possession order on my house about 2 1/2 years ago. Was paying CMI + £63 and not problem. Missed a months payment, hadnt realised it hadnt gone out then discovered this several months down the line when I was told my mortgage provider GMAC that they had stopped taking the extra £63 when the months payment was missed as this had invalidated my agreement. Been making payments generally with the odd missed payment due to stupidly taking out payday loans to help the debts that I had inherited from my ex husband as he had subse
  16. They want to Evict me,can you help. Can someone please advise what I can do to stop Elderbridge (company that purchased from Barclays, all Firstplus accounts) evicting me from my house, I have received a letter today from Elderbridge stating that they are instructing their solicitors (Eversheds) to ask the court to set a date for Elderbridge to take possession of my property. What I want to know is if they can do this as the original repossession order was granted to Firstplus who have gone bust (and then taken on by Barclays as they were the bank that set up Firstplus)
  17. Hi all, Im with Birmingham Midshires and over the last couple of years have lots of fee's added. Sent of SAR and got back account histoy for both main mortgage and secued.. Lots of fee's, late payment/returned dd etc. What i was hoping for, because im in arreas was to claim these back and pay off the arreas. Now where im confused is that I have not paid these charges like i would do with a bank account, they have been added on to my mortgage. So what will happen.. Will they just knock the charges of the account or could i get them to reduce the mortgage arreas with them ? Unsure
  18. Hi quick run down Received letter from solicitors saying they have been told to press forward with eviction. Rang them (Everards) quite helpful and they told me where I stand at this time. Rang Mortgage company (Birmingham midshires) and spoke to collections. Explained that the building trade has picked up and i have an offer (starting Monday) of ongoing work throughout the coming year and more, and can start making weekly payments towards arrears of 160 per month plus paying the payments on main and second accounts. She said that she can only make a note on file
  19. 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
  20. I will try to keep this short and just stick to facts. For numerous reasons we have circa 11k arrears on our mortgage and BS are going for repossession.I have been advised that the bailiffs will call with paperwork and then it will be two weeks ish from that date. Expecting paperwork in next week so three weeks to sort it out. We have put our house on the market and have approx. 70k equity. Mortgage payments are circa £900 per month but we our circumstances have slightly changed and with 140 months left could afford a Norgan payment on top of monthly payment until the house has sold
  21. Complicated story. My neighbour confided in me she just found out she is being evicted at 9am on the 11th Jan 17. She is 69, has long term mental health conditions and her affairs were previously handled by the court of protection for some 20 years. She is a leaseholder (66years remaining) of a flat within a house conversation, it appears from the paperwork I have seen the landlord has been successful in gaining possession and she is now being evicted by way of forfeiture. The original claim for forfeiture in 2014(?), which was withdrawn states for
  22. I need help a.s.a.p !! I have a restored possesion hearing on 6th July. I am reading everywhere about entering defence but only got 1 sheet cant locate anything else. we have a 2nd charge for £37000 have arrears of £3100 my husband has gone from 2k a month job to £285. I have today spoken to the company , they have taken income and expenditure form. I have confirmed I can pay monthly payment for 3 months but no arrears as yet i payment made today, previously was March . My husband has a injury claim going through from his old employer so when th
  23. Good morning all, My ex and my three school age children are coming to the end of their rental lease on December 1 and want to stay in the property. I provide maintenance and she is on benefits including housing benefits although according to her these have been cut some months ago.(she has been on housing benefit for the last 18 months)...She made an arrangement with the landlords agents to pay a three month 'buffer' when she moved into the property 18 months ago...Unfortunately my income dried up three months ago and the buffer has been used over the those three months and the landlord
  24. Hi, Please bear with me as I am new to this. Late last year I went to court making an application to suspend an eviction order and make monthly payments to Blemain of the monthly figure plus £80. I kept up to date with the payments until July albeit the last few months were made in several payments at a later date but all were made within the time agreed with them or sooner. I am self employed and money can be erratic. The payment due on 21 July could not be paid I agreed to try and pay in full by 1 August however I could only pay them £100 and promised the bal
  25. 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
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