Jump to content

Search the Community

Showing results for tags 'repossession'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums

Categories

  • News from the National Consumer Service
  • News from the Web

Blogs

  • A Say in the Life of .....
  • Debt Diaries
  • Shopping & Money Saving Tips
  • chilleddrivingtuition

Categories

  • The Youth Academy
    • The Youth Consumer Service
  • Miscellaneous

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Location

  1. 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
  2. Hi there, Is there anyone out there who can help me? We have a former GMAC mortgage that went over to mortgage Express. We were keeping up with the mortgage until I finally succumbed to my illness and disability. We are currently five months in arrears which works out to be £4250. I was working part time and my wife was working full time and up to earlier in the year keeping up with our mortgage. We thought we had sorted ourselves out with my working part time and my wife getting a full time job a while ago. I had an operation several years ago, that resulted in dama
  3. Hi Has anybody heard of Alev Uk secured credit ltd. Can’t find a great deal about them. It’s regarding a shortfall on the mortgage after a repossession. Never had a mortgage with them, I’m presume they have bought an old debt. We have never had contact with the lender since repossession 10 years ago! Any help would be appreciated.
  4. Hello Needing some assistance re mortgage arrears and threat of repossession. The mortgage in question is with Halifax (interest only). I should mention that I am trying to help out my aunt who lives abroad. Having decided to move overseas, my aunt left her property under a letting agency. The bank were aware of the property being rented. Due to poor management of the letting agent, monies were not received in a timely manner and eventually mortgage arrears mounted. To cut a log story short, the property is now under a new estate agent and things are steadily getting better.
  5. Hi All, Apologies if this has been asked, I am sure it has been but I cannot see it. I have a moneybarn HP agreement. I am in arrears of 3 months, and they have issues a default notice (allegedly). I am able to meet my monthly payment of £195 but they will not set up an arrangement because I can only offer them £200pm at present. I have paid £7070.04 of my £10391 arrangement so 68% of my total arrangement. Can they repossess? even if I pay the £200pm on the online portal so they are still getting a contractual payment? Thanks
  6. Hello, In a nutshell, I left the UK in 1990 to live in France, was unable to keep up mortgage payments and unable to sell resulting in a repossession in 1991. A DCA chased me (I don't know whether they purchased the debt or were working on a commission basis), the last I heard from them was about 1997. Since 1999 I have been living in Italy and have rebuilt myself. Neither the DCA nor mortgage company have contacted me since 1997, but I do not think that they have my address. There are no CCJs listed against me at my last UK address. Is there anything that the
  7. Hi, I was repo'd 4 years ago but have nothing showing on my credit file and can't see anything on the registry trust website for either of my two previous address including my repo'd address. The whole court case dragged on for a couple of years as we tried to sell the property but eventually the court granted the decree for repossession. The mortgage no longer shows in my credit file (previously showed as settled although there was negative equity when bank sold it) having checked on noddle, clearscore and checkmyfile. Where are repossession decrees recorded in Scotland?
  8. I had about £4,200 mortgage arrears and a few broken payment arrangements with Mortgage Express, so they decided to repossess. We got the court papers through and I knew that I could call on family to help pay off the arrears or at least some of them. In the end I was able to make a payment of £2,300, leaving a balance of just under £1,900. When I made the payment I asked Mortgage Express if they would consider making an arrangement and cancelling court action, but they insisted that it would be better to bring it to court and get a court-backed payment arrangement. As I had hoped to clea
  9. Hi there I have today received court papers for possession of our home and really need some help. A brief outline of the story so far : In 2011 took out a business loan for £143K (£12K of which was an EFG loan) secured on residential property. Business closed in 2012. Lots of issues with Lloyds including the fact they claimed back the EFG and also have tried to claim it back from me. Repossessed the commercial property which was the 1st charge and as a result of 'fire sale' was left with a short fall of £100K which they are now claiming against the house.
  10. 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
  11. Can anyone advise me please . I have had a 3 seater and 2 seater sofas off a rent to buy company called Local Appliance Rentals , payments £15 a week , now due to a change in financial circumstances have fallen behind by 5 weeks , have had no letters of arrears , just an undated card put through my door which i seen last Friday morning giving me 5 days to pay , tried to borrow money ,but no success. Today a letter been put through my letterbox by hand headed REPOSSESSIONS OF YOUR RENTAL GOODS , stating after repeated attempts to contact me it appears i have no i
  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, I had a suspended repossession order in 2006. I had paid the arrears when received the court papers and subsequently rang the solicitor who was dealing with the case. He told me it wouldn't go to court as I had paid the arrears. Long story short they still went ahead and I ended up with the order. I realise I can never get the order taken off the house but I have read that I can apply to the court so they have to take it back to court for repossession, instead of just being able to go straight for evicition as they can now. I cannot find the court papers and wond
  14. Hi Folks, Looking for some advice. I've been unemployed for 15 months. I have had an arrangement in place with Nationwide to just pay the interest on my mortgage, for about 8 months or so. Normally every 3 months they extend the arrangement for another 3 months after getting me to go through my income/expenditure. Last time they only extended it for 2 months as I was unfortunate to speak to a stroppy adviser on the mortgage team. She said it can't be extended indefinitely and I would need to call again in August. I've a couple of weeks temp work coming up and the tw
  15. I fell behind on payment due to illness. Long and short of it is that FRF are threatening repossession. the vehicle is worth 1.5k. at auction it will get max £500. a trade garage who valued said they wiould pay the finance company 1.5 direct and deal direct. First Response tell me the garage would have to pay the full amount outstanding of 4k. if i VT i am liable for the balance after auction. i assume this is process. but if i am able to make the vakue of the vehicle does anyone know if other finace companies who have accepted this. has anyone had repo
  16. Hi ALL Have a question i have suspended possession in my mortgage that was due to start on the first of the month but had some cheques bounce so phoned the mortgage company and asked them if i could pay it on the 10th they agreed but have just found out the cheques have bounced again if i dont pay on the 10th can the take me straight back to court for full repossession
  17. HI I had my house repossessed in March 2011 and have lost all the documents from the mortgage company and court with the details on and urgently need these so I can go on my local councils housing register. The annoying thing the homeless prevention team at the same council were given copies of this at the time so they could help me and my family in getting a new home but the part that deals with putting you on the housing register says they can't speak to that department to get these details, they need to see the documents for themselves (just being bloody awkward if you ask me!)
  18. 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)
  19. I feel as though I am drowning! Just come home to a warrant for possession of my home. Is there anything I can do...??? I spoke with the mortgage company earlier today, they tell me if I can make 2 months payments, and a little off the arrears, they think they can help, and I should go back to court (how?). I will not be getting my earnings until the end of March, from my previous employer, but do have a new job, beginning in mid April, but no earnings of course for a month. My house is on the market, much reduced with an interested buyer, but I don't see anything happening
  20. Hi and thank you for reading this Following a relationship breakdown last year I had the indignity of having my car repossesed by Moneybarn. My boss tried to intervene and talk to them saying that if they did not go ahead with the repo she would ensure that money was deducted at source and sent straight to them. They were quite rude and aggressive (the reason why I gave up trying to talk to them) and rejected this and I allowed them to collect the car from an agreed location. As I had not paid one third of the finance off I acknowledged I couldnt fight them. The ca
  21. On friday (12/05/2017) I recieved a letter from court containing general Form Of Order saying: The date on the order was the 20 April 2017 but the the date on the covering letter that came with it is 05 May 2017. I didn't receive the letter till the 12 May 2017. The background to this case is as follow: Around 2008/2009 due becoming unemployed, Halifax got a suspended possession order against my property. I managed to to get back into employment and kept up with the payment terms and eventually the arrears were rolled onto the mortgage. Unfortunately i
  22. Hi any help would be great, Im at my wits end. Back story - 7 years ago I was finished from my job on health issues, was put on ESA, but then taken off because of their incompetence ( thats another story). Anyhoo , long story short, gained around £10000 in Mortgage arrears and when to court for an order of possession , which was suspended....had a few bumps along the way , but ironed the out with Mortgages PLC, we have so far payed back £5000. Just 2 months before Christmas last year, missed 2 payments due to lack of funds, car issues etc...Morg PLC sent out an advisor to see what w
  23. Its a first post I'll be brief. One year left on mortgage. trouble with payments, only £7000 left to pay and will be paid off next year. Santander want to threaten me with litigation and take me to court. I was forced to take early retirement couple of years ago due to cancer. Any advice? going through the usual channels RE debt advice, expenditure etc cheers guys Meicimac
  24. Sent this email to moneybarn today, to be honest don't even know if I have a leg to stand on if we ended up in court. I have removed my address and name but everything else is correct. My main grievances are the fact that when I was contacted about my account in October I offered to pay any arrears up front immediately and had returned to work and gave every bit of information I could to help at the time (I have emails showing my willingness to pay and continue with our agreement). Also after the car was repossessed they sold it in the same condition, plus a few extra miles, I bought it in for
  25. I have an ongoing dispute with 2nd charge / secured loan company regarding outstanding arrears. Submitted Formal Complaint. Response received and no mention that it is final but do mention that I have six months to refer to FOS. I went back to them with my response to their findings before deciding whether to refer to FOS. No reply yet from them apart from today receiving a letter from their arrears department stating that I have 21 days to pay the arrears or they will instruct solicitors to proceed with repossession. My question is, if a dispute is still ongoing inc
×
×
  • Create New...