Please help - I am absolutely desperate!

[desperate&depressed]

Awww, thanks Mrs Westham - you are such a sweetie. That sounds like a good idea. Right now I just feel like none of this is worth it anymore so probably a good idea to speak to someone. Have never suffered from depression before but there is only so much the mind and heart can take!

 

[yourturntopay]

I went through something similar with a neighbour - He was charged with some very serious offences and due to my nature of work i was aware of his bail conditions and observed him to break them. I reported him and he was sent down for breaking his bail conditions, his solicitor managed to get him bailed after a few weeks and all hell broken loose after that - we had death threats/garden furniture being stolen and damage to the property/changing our electrity supplier/taxi's and takeaways beign ordered - anything he could think of he did - he even wrote to my employers telling exactly what i did at the weekends - with pictures of visitors to my house and the time they arrived and left and what the make/registration of the car was. Luckily my employers were aware of the situation and got the legal department to send him an harrassement letter warning him off

 

After kicking up a real stink at the police station (i had to yell very loud and and frequently and in the end made a complaint to anyone i possibly could) they finally took us seriously and agreed come up with a safety plan to fit CCTV and panic alarms to the house. The local PSCO also made regular visits (especially when i got home from work and my husband wasn't home - as this was nasty neighbours and his delightful pals favourite time to kick off)

 

We also got our local MP involved and he helped a lot.

 

TBH we had to move in the end for our own sanity, I hated going home and it just got too much.

 

We begged and begged (and threated to go bankrupt which meant they wouldn't have got a penny) with the companies invovled (again the MP was very helpful in this and my doctor wrote a letter too as i had a breakdown because of it all) and they agreed to us re financing after we sent them evidence statements from all the agencies concerned in trying to keep us safe who said they couldn't and moving was our only option. We did threaten to go to court and ask a judge pernission to discharge the 2nd charge into an unsecured loan (i'm not sure this would have worked, but as i said we hit the companies with anything we could to get them to help us)

 

Don't give up hope and keep plugging away - complain to everyone and anyone in order to get your case heard. Hopefully if you get enough people involved then things might start going your way.

 

I really hope you get the lucky break you deserve and things start going your way really soon.

Edited June 9, 2009 by yourturntopay

[Spamalot]

Morning D&D,

 

Hope you and hubbie had a decent night.

 

I was going to suggest a similar sort of thing to yourturn and that is to see if you can get a court order for sale as mentioned in the link of my last post.

The other idea was an injunction against the ***** who keeps harassing you so that if he comes within 50 yards of your place he's in trouble!

 

Just thoughts....

 

Hope you have a good day,

Spam x

[Bincrunched]

Thanks Bincrunched. I have spoken to our solicitor who has advised that the sale cannot proceed unless First Plus agree to remove the charge over the property. The sale would be halted at the final hour when it became apparently we couldn't settle the first and second charge.

 

 

Morning D & D, I still think that it would be worthwhile speaking to Northern Rock Bottom line is if they start repossession proceedings you would be forced to sell in order to extricate yourselves from the mortgage! the First Plus TW***S couldn't do anything about it! I would also seek a 2nd legal opinion It seems crazy that you should be forced into this position!

[bobbyh99]

Whilst it might be to the annoyance of your mortgage company, why don't you rent the property out without telling them!

[sythe]

hi..............we went through something similar in 2003. We wrote to our mortgage lender explaining the situation, moved out into rented accommodation, put the house up for sale and my husband entered into a Trust Deed to cover the debt we could not pay............

 

hope this is of help

kindest regards

karenruthj8

[geoffthechef]

people need to remember we have just had the biggest housing bubble in history....house prices went up 280% and now for the bust...well so far we have had a 20% falls and still most first time buyers are not able to buy without buying at 6x or more their wages....so just think where do you think this market is going longtern? it is my opinion that the market has a long way to go before it hits the bottom..so renting out now and your house is worth lets say 100k but in two ot three years time when you have to sell it could only be worth 70k or less...this will catch so many people out who think that renting it out is the answer....remeber the biggest bubble in history is not going to be followed by the hortest bust in history, beware of markets

[Crapstone]

The other problem faced is having to be honest about the sale or any let. Who is going to want a house that has been subject to these attacks? And you can lie about it.. the insurance is going to be sky high and if you don't declare the problems you leave yourself wide open for civil action.

[Crapstone]

In your situation I'd be speaking to the council to get rehoused immediately until this is sorted out. If you stay there then you are making it look at though this acceptable when it's clearly not. If you do nothing you get nothing.

 

Use any legal services you may have with your insurances', car or household. These are often overlooked but you are paying for them so use them.

 

I'd also change your solicitor...

[Spamalot]

The sad thing is, this cagger didn't return to the thread so we never found out what happened. Hopefully they are ok and manged to sort something out.

 

Spam.