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    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
    • Currently - "the maximum daily price at 100p / kWh for electricity and 30p / kWh for gas – keep in mind that's a lot higher than the Ofgem Energy Price Cap, so if you can't afford prices to increase further, you're probably better off sticking with a protected tariff such as Flexible Octopus." Octopus Tracker is a product of our labs, available now to customers through our beta programme. Octopus Tracker is a beta product. Some things may not work the first time, and installations and processes may take longer than we'd like. Third party tech like In-home Displays won't always work, and on occasion data issues with smart meters can take significant time to fix or prevent things from working at all.   Copied straight from octopus   Feel free to shove it somewhere else    
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Eviction due to mortgage charges


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:( Unbelievable but true. My partner, four children and myself were thrown out of our home of eleven years because of ludicrous charges being added to our mortgage account. We could no longer afford the mortgage repayments so decided to sell our home and rent back. The full and final figure we got from our mortgage company was £89,000.00, we had an agreed sale for £100,000.00. We had to go to court to postpone another eviction order only to find the outstanding amount had risen to £101,100.00 and the judge refused to postpone it. Your Out.

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Where are you now We sold our house before the repossession took place and we are in the process of claiming back many thousands firstley have they sold your house and what did they get for or it or what did they get was it a district Judge who is your mortgage company Firstley you need to get a full account of the money they put on your account then we can take it from there dont give up

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We are all now in a rented flat on the other side of town, our local housing authority said we had made ourselves intentionally homeless by not paying the mortgage so would not help. Our mortgage was with mortgages plc. The house is still up for sale £114,950.00 and just stood empty since 3rd August (the day we left) yes it was a district Judge. I have all the paperwork from them including the thirty odd eviction orders we received off them, and people say that mortgage companys dont really want to evict you, ours did.

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Unbelievable but true. My partner, four children and myself were thrown out of our home of eleven years because of ludicrous charges being added to our mortgage account..

 

Hello artfulroger.

I am sorry to hear about your situation.

I hope you are now about to set off on the

" Recovery of charges " journey.

If so and you need any help, just shout, Loudly.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I am, got my good walking boots on. It does seem to be quite a time consuming process and with four young boys to keep under control just hope i dont get lost on the way. But if there is one thing i am good at its shouting LOUDLY. What would your first move be.

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Yes i read about the kids. Ref LOUD.

 

Ok. It can be a long drawn out process, but it has got to be worth it in the end.

Start by familiarizing yourself with the notion here. http://www.consumeractiongroup.co.uk/forum/mortgage-companies/52020-mortgages-faq.html

 

When ready and confident, start by sending of your first letter here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

I personally would delete the reference about a complete set of statements being acceptable as an alterative, because its not, you need all the information.

 

Im away now untill the 11 Nov

 

Please keep asking any questions you have.

 

Lots of people read the threads, and help is never far away.

Good Luck.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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