We are approx. 4 months behind on my mortgage payments to Kensington due to my OH being unemployed for quite sometime. He is now in full time employment and we are in a position to pay some money off the arrears (£200 per month). Today however we received a letter from NCI who called to the house whilst we were both in work, asking us to contact him directly on a mobile number within 48 hours to arrange another appointment. I need some advice please. Firstly what is the best address to write to (Kensington) to offer the extra payments via a payment book or through bank, I am not prepared to talk to them on the phone. Also some advice to get this field rep off our backs. Many thanks

Hi All We are facing a horrid time with the Bank of Ireland Litigation team and are in urgent need of some help to set aside a repossession judgment. As time is of the essence I won't go into all the issues we have with how we are being treated by this Bank here (but will return to explain more later) Basically we have a very small portfolio of properties which is instead of a pension. So my wife and I are trying desperately to hold on to them as you can imagine. We have an adopted child with some special needs and financially we are struggling. The Bank of Ireland hold two of our mortgages and have instructed TLT Solicitors. Yesterday I successfully defended a repossession application on the basis that the Bank served the paper work to the wrong address. The judge agreed that as the Bank had written to us at our current address they had incorrectly served by sending papers to our previous address which the Bank claim is the only address they have on their computer. The judge ordered them to re-serve at the correct address and awarded us costs of £100. I now find that they have served again at our previous address for another of our properties and it has already gone to court. As I didn't know I obviously did not turn up for the hearing. The hearing was on May 10th. We have a tenant moving in this Friday. I urgently need to apply to have the judgement set aside but I don't want to make any mistakes. We cant afford a solicitor. Although the Judge in yesterday's case, in awarding us costs commented to the plaintiffs representative on his objection, "You're lucky it's only £100, it would have been considerably more if they had instructed representation." What do I need to do? Can I mention our case from yesterday as a president? I did not take any evidence of my earnings to court so the judge couldn't award anything for this but could I include evidence of my income in this application and request compensation for my time defending this. So to be clear our position is the Bank were fully aware of our postal address as they have written to us at the address prior to serving this repossession notice. We have also been talking to them and their solicitors for several months and no one mentioned this action. They have served at the wrong address. Please help us asap as we really don't want to lose our property. Man thanks to you all. We are so grateful for this forum!!

Hi guys, I need advice. I got a letter from nciuk.com and they called to my house the other day. I told them I didn't have time to talk to them but they called last night and I arranged a meeting tomorrow. Have I done the right thing or should I cancel? I literally have no idea about these people. He keeps telling me he cannot discuss the details of the account and that they are just a 3rd party hired by banks to do a report about why my debt hasn't been paid rather than there to collect the debt. When I asked if it was to discuss payment options for paying it back he again said no, he could not discuss this and was only there to feedback to the bank as to why I had missed payments. Thanks in advance!

Just had my Mam on the phone she said I have recieved a letter at their property from a company called NCI with a fella saying for a debt with Halifax it has been passed to them as Halifax want them to set up a meeting with me and this lad is to make a visit to the property if I don't respond by today, but she said no one has came today. I assume the letter must be dated a few days ago. I got the reference number and the blokes mobile number, what should I do here, do I tell him where I live now, ask for time (I'm currently waiting till I get paid on the 22nd so I can go and collect new passport to set up bank and start paying these people?