Jump to content


  • Tweets

  • Posts

    • Beware using the word "mitigating". That is only if you're admitting it and asking them to be lenient because x,y,z or whatever.   You are not admitting it so there can't be anything to mitigate something you didn't do.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
    • Could you perhaps use the quote button so as to minimise confusion?  It's difficult to distinguish between what you quote and what you are saying.  (Actually it is quite easy to tell the difference).
    • Name Of Claimant - Lowell   Date of Claim - 11th nov 2019   What is the claim for – the reason they have issued the claim? 1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   What is the total value of the claim? £2247.91   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No I received the PAP twice?   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO   Did you inform the claimant of your change of address? NA Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD   When did you enter into the original agreement before or after April 2007 ? NO   Do you recall how you entered into the agreement...On line /In branch/By post ? BY PHONE/POST   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT HAS BEEN PASSED TO LOWELLS   Were you aware the account had been assigned – did you receive a Notice of Assignment? I CANNOT RECALL   Did you receive a Default Notice from the original creditor? I BELIEVE SO YES   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO   Why did you cease payments? LOST MY JOB AND COULDN’T AFFORD PAYMENT/INTERESTS   What was the date of your last payment? APPROX JAN 2015   Was there a dispute with the original creditor that remains unresolved? I asked for the CCA and they sent me a computer printed balance statement   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe I contacted them explaining I had lost my job and for a holiday period which they refused. Although I cannot recall 100%   Just to sum up what has happened through this thread: -       defaulted around May 2015 -       2017 lowells got involved, asked for my CCA from OC and SAR. Vanquis, no acknowledgement of the dsar/ sar, they have however sent me their terms and conditons, fact sheets, along with 2 computer print outs of my details. I think they were considering it the CCA. -       lowells sent pap, replied, they sent again, replied again -       Court claim    
  • Our picks

sequenci

The new Homeowner Mortgage Support Scheme is now launched, great news for those with a temporary loss of income.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1519 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Info:

 

Homeowners Mortgage Support (HMS) could help if your household has had a temporary, unexpected drop in income and it’s harder to meet your mortgage repayments. Find out about the help available - you could be eligible to delay some of your interest repayments for up to two years.

 

Homeowners Mortgage Support : Directgov - Home and community

 

The mortgage lenders listed below have agreed to offer help to their customers through HMS:

 

Bradford and Bingley

Cumberland Building Society

Lloyds Bank Group, including Halifax and Bank of Scotland

National Australia Bank Group, including Clydesdale Bank and Yorkshire Bank

Northern Rock

Royal Bank of Scotland, including NatWest and Ulster Bank

 

A number of other banks, building societies and specialist lenders will be offering HMS to their customers as soon as possible. These include:

 

Bank of Ireland, including Bristol and West

GE Money

GMAC

Kensington Mortgages

the Post Office

Standard Life Bank

 

Some lenders have stayed outside of the scheme, but have set up their own version of HMS. These lenders are: Barclays, (including FirstPlus) HSBC, Nationwide, Santander, (including Abbey and Alliance and Leicester).

Share this post


Link to post
Share on other sites

Hi,

 

Have you heard anyone who has applied for this scheme and been successful as of yet?

Share this post


Link to post
Share on other sites
Hi,

 

Have you heard anyone who has applied for this scheme and been successful as of yet?

 

Yes.

Share this post


Link to post
Share on other sites

Do you know if there are any letter templates that I can use for my initial application to my lender (Mortgage Express) or relevant threads that I can follow I may have missed.

 

I saw the advicer at the Citizens Advice Bureau, done the budget sheet but I now have to put a letter together asking my lender to put me onto this scheme as I tend to meet all their stated criteria.

 

Thanks

Share this post


Link to post
Share on other sites

Are Mortgages Express part of the scheme?

Share this post


Link to post
Share on other sites

i am currently gooing through the process with Capstone just went to the homeless housing aid at my local council who is taking me through the process but mine is that it will be sold to a housing association then i would become a tennant any pay rent as i can longer afford the mortgage, i will keep you updated

Share this post


Link to post
Share on other sites

Yes - Mortgage Express is part of the scheme. It's owned by Bradford & Bingley.

 

Mich7K keep us informed on how you get on. I'm trying to do all I can to maintain full ownership of my place on this end.

Share this post


Link to post
Share on other sites
Yes - Mortgage Express is part of the scheme. It's owned by Bradford & Bingley.

 

 

I didn't know that! That is something new I have learned today!

Share this post


Link to post
Share on other sites

Hi

 

Can this help with an eviction order already served (20th July) does anyone know please?

 

My lender is on the list - Mortgage Express owned by Bradford & Bingley.

 

Cheers


what goes around comes around

EVERY cloud does have a silver lining you just have to look really REALLY hard sometimes..

Share this post


Link to post
Share on other sites

So presumably Birmingham Midshires are doing this, and they haven't offered it to me. Another complaint going in.

 

Liz


Oops, there goes another rubber tree plant!

Share this post


Link to post
Share on other sites

where d'you all get your pretty little pictures from? I want one!!!


Oops, there goes another rubber tree plant!

Share this post


Link to post
Share on other sites

OK just been on the website link in original post and came across this in their pdf q&a doc i quote:

 

"Is my lender taking part?

The first lenders will be offering Homeowners Mortgage Support or an equivalent from April 21st. Others will soon follow suit. Check Homeowners Mortgage Support : Directgov - Home and community, or call your lender to find out they are offering HMS or an equivalent."

 

Is this the actual live date for the scheme?

 

- if so why weren't our lenders making us aware of this life-line for ALL customers (& especially those of us with years of not missing a payment?)

 

it looks as though it's actually meant to be exactly what most of us need.....like those temporary spare wheel jobbies where u use it for a minimum time till you can do a proper repair!????

 

do any of you mortage gurus out there know please?


what goes around comes around

EVERY cloud does have a silver lining you just have to look really REALLY hard sometimes..

Share this post


Link to post
Share on other sites

I contacted Birmingham Midshires about going interest only, found them very unhelpful. This scheme wasn't even mentioned, all they said was contact the CCCS, which I have.

 

If I went interest only, I could release about £300 a month.


Archway

Share this post


Link to post
Share on other sites

Is this the actual live date for the scheme?

 

The scheme is live right now.

 

it looks as though it's actually meant to be exactly what most of us need.....like those temporary spare wheel jobbies where u use it for a minimum time till you can do a proper repair!????

 

do any of you mortage gurus out there know please?

 

exactly.

Share this post


Link to post
Share on other sites

sequenci

 

you mention that you know of a success story so a question please? (as u are the enlightened guru of the subject compared to me!)

 

do you know if they were already at evivtion stage?

 

ok i lied 2 q's...

 

do you know if the live date quoted of the 21st April on the gov website has any significance or is it just someone forgot to get their web-author to check dates etc??

 

why would this be useful?

 

cos there are several things my darling lovely wonderful mortgage company have done to contribute to my rather pants situation I'm going to at least make the FOS aware of and i'm wondering if this date their quoting is the the date the MC's were made aware of this scheme but not joe public?

 

if so I wonder what guidelines the MC's were given by the government??

 

Cheers DeH x

 

so if there are any of the bad peeps reading this who really work for companies that some CAG'rs seem to think are on the forum maybe they'd like to balance their karma & do something good & pm me a copy pretty please!?:lol:


what goes around comes around

EVERY cloud does have a silver lining you just have to look really REALLY hard sometimes..

Share this post


Link to post
Share on other sites
where d'you all get your pretty little pictures from? I want one!!!

 

 

i don't have flash moving 1 but i have other variations of ladies in hats if ya want 1?


what goes around comes around

EVERY cloud does have a silver lining you just have to look really REALLY hard sometimes..

Share this post


Link to post
Share on other sites

would really like to talk to other Mortgage Express customers i noticed there are 1 or 2 (i was beginning to think there was just me)

 

if i start a Mortgage Express thread to 'share' experiences is there anyone else out there up for this?


what goes around comes around

EVERY cloud does have a silver lining you just have to look really REALLY hard sometimes..

Share this post


Link to post
Share on other sites
i don't have flash moving 1 but i have other variations of ladies in hats if ya want 1?

 

Yes please. I would. How can you get one to me?

 

Der???

Regards

Liz


Oops, there goes another rubber tree plant!

Share this post


Link to post
Share on other sites

I have just called my mortgage lender (Birmingham Midshires) and discussed the HMS after being made aware of the scheme by Shelter. They are definitely one of the lenders who have agreed to offer help to their customers through HMS.

 

The criteria is quite tough and not many people seem to be accepted onto the scheme. The main hurdle seems to be that you have to have maintained the last 5 months of mortgage payments and the agreed amount.

 

This is a difficult hurdle for someone like me to be accepted onto the scheme... when they have obviously fallen into arrears with the mortgage lender after a drop in income.

 

The scheme has been put in place to help those who need it... but those who need it aren't eligible!!! ??? !!!

 

So... my next step is to look into why they can not offer help using the scheme if you are already in arrears... and to see if there is a way around this.

 

Any suggestions/comments or advice on this is welcomed.

 

Many thanks

Maxine :-)


Moodle

Share this post


Link to post
Share on other sites

I have looked further into the above mentioned problem and have found that although it (to have paid last 5 months of mortgage payments) was one of the fundamental requirements... mortgage lenders DO have the power to accept people onto the HMS scheme regardless of this criteria being met.

 

As long as they can see you are actively doing things... like contacting shelter, obtaining advice from CAB... keeping them informed about your circumstances they should retrospectively allow you to be accepted onto the scheme where you would be required to pay a minimum of 30% of the interest per month. The other 70% gets deferred and added to you total outstanding mortgage... to be repaid later.

 

Hope this is useful for some of you.

 

maxine :-)

 

Shelter England - Homeowner helpline


Moodle

Share this post


Link to post
Share on other sites

hiya all thought i'd give u all a quick update, anyway i had my house valued by three independant estate agents all gave me the same so im in negative equity i owe the same on the mortgage as the house is worth:( the application form has gone to the housing assocaition but they are waiting to find out if i will be accepted as i bought the property under the right to buy scheme and i have to wait to see if they will waive the rest of the discount that i will owe them for my application to go through when i brought the property it was 5years until u can sell without the discount having to be paid back it will be 3 years in November.

 

At the moment i'm petrified cause i dont know if im coming or going as im still paying the mortgage company even though i cant afford it the dwp pays some and i pay the rest at the momment im not paying the full amount but the housing aid worker got them to agree to freeze any action while this is being sorted out (i went to the council homeless section hope this can help anybody) I just wonder that if its not accepted the application that is where do i go from there cause ive been paying the mortgage when i could have saved up to to pay a deposit for a private rented place for me and my kids is anyone following this ??? sorry rambling i know i would love to know if there is anyone who has been successful? I had an eviction date set by the way so i know there is a GOD:)

Share this post


Link to post
Share on other sites

Hi All,

I'm looking for some advise and I am sorry if I have posted in the wrong area of the site.

I am having a real hard time with my Mortgage provider Bank of Scotland.

The story is back in 2004 I was forced to give up work to care for my Wife, I was getting my mortgage intrest payed by the D.S.S. but I had a shortfall between the D.S.S. payments and the amount of my mortgage so I agreed to pay £100 per month which I found a real struggle anyway my wife died in May 2009 and as I was on my own the D.S.S. payments have changed so I got a fresh letter from Bank of Scotland saying I had a shortfall of £20 per month.

I phoned the bank to query this amount as up to this point I was paying £100, the bank said in May there was no need to set up a standing order for £20 per month as the would take the £20 of the £2734.87 I had accumilated to my account as a result of my £100 per month payments.

I asked why they had let me run this amount up when I was struggling to pay the £100 per month and they should have informed me that £100 per month was to much, I got the usual waffle, I then asked for the overpayment to be returned and they said no as the D.S.S. could ask for their money back at any time, I stressed that the £100 per month was my personal money and not D.S.S. money but they wouldn't move their position.

I contacted the D.S.S. who said that even if major fraud was proven against me the D.S.S. would reclaim the mortgage intrest payments from me and not the bank.(they also said the banks statement was rubbish)

I wrote a letter to the bank back in May asking for them to reconsider their position and told them of my finding with the D.S.S., I also asked them if they are going to continue to hold my overpayment as a sort of deposit/retainer does this mean that everyone who is having their mortgage intrest payed by the D.S.S. must lodge the same deposit/retainer?

I to date have been given a real runaround from not receiving the original letter even though I have the proof of delivery, I phoned in June for a update as I had heard nothing and was told no letter had been received I was given a number to fax a copy to, I left it a week and phone and was again told the fax wasn't received and no record of my last call was logged on my account, I was again asked to fax my original letter to a secure collections number which I did.

At the beginning of August I received a letter saying they have appointed a senior member of their team to look into the issues I have raised and would be back in contact no later than 4 weeks.

On 8th Sept I received another letter from the bank saying they need another 4 weeks.

Where do I go from here?

Am I right or wrong to demand the overpayment back?

Why are they dragging their heels?

Any thoughts would be appreciated.

 

Whistleblower.

Share this post


Link to post
Share on other sites

just another udate folks, had a call today from the housing officer who's helping me; he had a meeting with nthe right to buy dept this week and is just waiting to find out if they are willing to waive the discount still owing in order for the process to go ahead, plus they want me to bring details of my son's disability and proof of his benefits so who knows??? He said that it all should be ok so keep me in your thoughts guys :)

Share this post


Link to post
Share on other sites

Good luck Mich7k,

 

Watching your progress with fingers crossed for you.

 

Elg

Share this post


Link to post
Share on other sites

Hi all recieved a letter on Friday from the housing association saying i am eligable and that my application is in process and that someone will be in touch to come out and value the property and give me some more info about being a tenant. tThe letter then goes on to say thatonce an offer is made you get @8 days to decide whether or not to accept, can't wait to be a tenant mad isnt it but it will be more suitable for me and my kids. Keep me in your prayers!

Share this post


Link to post
Share on other sites
style="text-align:center;"> Please note that this topic has not had any new posts for the last 1519 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
Guest
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...