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    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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Northern Rock Court Order


andrewxcx
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Hi i hope you can help me!

 

i Have been in my current property with my wife and 2 children for almost 7 years and have had a northern rock "together" mortgage for the last 4 year 10months(5 year fixed 5.75%) and through various reasons but mostly stupidity by myself over this period i ave got myself in about 30k of unsecured debt

 

The credit card and personal loan debt is mostly mounted up by "robbing peter to pay paul" and now have several debt agencies chasing me for various amounts of money

 

The agencies scaremongering, court order, phone calls and now doorstop collectors have panicked me into paying them moneys i just couldnt afford

 

subsequently this has made me miss several payments to northern rock and my current arrears stands at 19500. having made several payment arrangments with them which i didnt keep due bad money management(in my head i thought i had it all under control but in reality i was failing big time)

 

i recieved 3 letters on the same day 2 weeks ago 2 from northern rock asking me to contact them abouth my arrears and how they could help me with my current "situation" the third letter was a solicitors letter telling me to contact northern rock within 7 days to agree a payment plan or they would commence legal action against me but the date on this letter was 10 days previous to me receiving it.

 

spoke to northern rock straight away they advised me that the legal action had started 2 days before i rang and couldnt be stopped!

 

in the 2 weeks since then i have recieved a court order pack with a date of 21/3/2011 and have been frantic with worry, i have no idea what to do and am hoping for some advice on here. the girl on the phone at northern rock gave me a number for a company called payplan who they work together with for my unsecured debts whom i have a telephone appt booked in with today

 

I feel that the lies that i have told everyone over the last 2 years to try to keep my head above water are all coming back to haunt me and i am going to lose everything! I have hid this from my wife and now she knows if we lose this house it will also cost me my marriage

 

I have no idea what steps i should be taking for this court date and have no confidence in keeping our family home that we love

 

we both work full time and have an income of 2700 a month and being honest the payments of 1100 to northern rock(145000mortgage + 25k"together loan) are excessive and being fixed during a recession hasnt helped!

 

i have tried looking at a remortgage which could be much cheaper but my current credit score and the current lending criteria are against me

 

sorry for the long winded post i thought i better put everything in to try and get the best advice

 

thanks

 

Andrew

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Hi

The first thing to do is contact a free debt chariity immediatly. CAB, National debtline,Cccs these are free.

Start making,token payments 1 pound to all non priority debts.Keep up the mortgage payments.

What legal proceedings have NR started.

Don't Panic I'm sure others will be along to help.

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Hi Andrew,

 

Please, please, please ignore fsb these people are just trying to profit from those in difficult situations and should be avoided at all costs.

 

As Cadbury suggests, get some free impartial advice about getting your financial position as a whole in order hopefully Payplan will help with this and work out what you can afford to pay to your mortgage and other debts.

 

If you want to keep your house, first priority should be paying the mortgage, forget the unsecured lot INCLUDING the 'together' loan, they can't make you homeless - at least not without getting a CCJ, then charging order, then order for sale which would take forever and gives you lots of opportunities to intervene.

 

Payplan will probably help you compile a financial statement which should show whether you can afford the mortgage and to clear the arrears. If you can, Northern Rock may then agree the terms for a suspended order to be granted at the hearing and as long as you pay you keep the house.

 

Maybe check back when you've spoken to Payplan and things are clearer.

 

KC

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