Me V Oakwood Homeloans Limited

[Ell-enn]

No problem, I'll do it later and post up this evening.

[yardman]

ok thanks

[Ell-enn]

Hi Yardman - quick question, is the house in joint names?

 

Also, are you saying you are able to pay £45 per month to make up the payment made by the DWP?

[yardman]

hi Ell-enn, no the mortgage is just in my name,i also have 3 children under 11 who also live with me.i will be able to find £45.00 to put towards the dwp payments.i made the first £45.00 payment on the first of june

[Ell-enn]

Hi there, affixed is the letter. You need to send by recorded delivery - keep a copy of the letter and the proof of posting. Check on the Royalmail website in a few days to print off the signature receipts.

 

Page 2 of the affixed document is the letter to Optima, also send by recorded delivery.

 

 

Any questions, just shout.

 

Ell

Yardman Oakwood letter June 09.doc

[yardman]

thanks again,i will keep you informed.

[yardman]

i have got court papers from oakwood homes this morning,grounds for possession are,-mortgage arrears,what shall i do.can i get soms help to fill out form please

[Ell-enn]

OK, Firstly - make sure you send the letters today by recorded delivery.

 

Secondly - what date is the court hearing? don't worry about the court forms I can help you with those.

[yardman]

hi,the court date is the 6 july at 11-30

[Ell-enn]

OK, we've got plenty of time before we need to send the defence in. Lets wait and see if you get any reply to your letters.

 

Ell

[yardman]

ok thanks again

[ronnie11]

Hi,

 

If it helps anyone after struggling through the fight with Oakwood I've found out today that I should have had a letter off them 3 months ago offering me a 40% reduction in my mortgage (to write off 40 %) if I go with another company. Well to say I was flabbergasted was ridiculous.....of course I'm going to accept that. It means my mortgage goes down from £103k to just over £62k.............can't believe it!!

 

I've been looking at moving house anyway and so have been dealing with a financial advisor who has already come up with some deals that will take on the £103K mortgage so this throws it even further open now for better deals I hope.

Perhaps other Oakwood mortgage customers should contact Oakwood HQ as that's how I found out I was on the mailing list for the offer otherwise I'd have never have known.

 

If it helps anyone the number for Oakwood HQ is 01756 700941. Call them and say you want to discuss if you qualify for part of your mortgage to be written off.

 

All the best and fingers crossed for everyone.

 

Ronnie

[yardman]

just got letter from oakwood solicitors saying enclosed is by way of service a copy of the witness statement in preparation for the above hearing-6 july,could you please help me with the court papers

[iconoclash]

Hi Yardman - sure you will get lots of help re your defence - it sounds like they are doing their usual tricks of not acknowledging receipt of letters etc and pretending they have sent you letters - you need to evidence as much of this as possible. I put in a defence myself against repo with Oakwood in the past. Essentially I think the judge is looking to see that you will eventually get back on your feet - so if you go in saying all is doom and gloom they would probably take the position that it would be doing you a favour in reposessing the house so that the debt does not become any larger. Have you found out if you qualify for any of the mortgage rescue schemes? - which is unlikely I know - and yes there are protocols that they are meant to follow but certainly never did in my case either. Sounds like you should qualify for legal aid - Community Law Service. A word of caution about posting docs that are being used in court: they might use this against you if they can prove you have disclosed private info - think I saw another cagger with this problem in the past - am I right? other members?

[Ell-enn]

Hi there, can you gather together the copy of the letter you wrote to Oakwood earlier this month and also get the recorded delivery signature receipt off the Royalmail website for it and the one to Optima. You will also need any documentation from the DWP showing what payments they are making - we will need to send in copies of all that with the forms.

 

I will write you a statement for Q.27 of the N11M defence form and post on here later this evening.

 

In the meantime you need to fill in the rest of the form - on the financial questions "practise" on a plain sheet of paper until you get the figures right i.e. you need to show that you only have £45.00 per month left over to pay towards the DWP contribution.

 

Do you still have the £500 you tried to pay to the account or did you pay it by another means?

 

Ell

[yardman]

hi, campari2 thank you for your help and advice,i just started getting help with my mortgage (mortgage interest payments).

[yardman]

hi Ell-enn,yes i will get all the paperwork and the delivery signitures and recipts. no i have not got all the £500,i would have to put it on credit cards, more debt becase of them,decided against it,i can get some thing together.i have paid £50 to them on the 12-6-09,i was going to pay them £20 tomorrow

[Ell-enn]

Hi Yardman, I've almost finished your statement, just need a bit more info.

 

You say you are hoping to pay £100 extra per month towards the arrears? if you are only on benefits how are you going to do that? The judge will want to see where that money is coming from.

 

Ell

[yardman]

hi Ell-enn,i only recieve 10 pence per week from social security benefits the rest of my benefits go direct to the mortgage interest payments. my girlfriend is paying the extra each month for the mortgage payments.i said we would try to pay £100 towards the arrears because of the £50 charge,if i paid any less it wouldnt make much difference to the balance and take years to repay.i feel pressured because of the monthly charges,my girlfriend would have to pay it,but we would struggle.also i have looked at the particulars of claim for repossesion,from oakwood and under -about the defendants it says-number 8-the following information is known about the defendants circumstances:the defendant is not in receipt of social security benefits.payments are not made on the defendants behalf directly to the claimant under the social security contributions and benefits act 1992.

[Ell-enn]

Aren't the DWP already paying MIR to Oakwood?

[yardman]

yes DWP is paying mortgage interest payments,however when DWP started making the payments to oakwood my JSA payments went down to 10p per week,the £60 per week what i should get from JSA is taken from me,this amout is then added to what DWP puts in,this figure is then paid to oakwood.

[Ell-enn]

OK, got that. The statement is affixed. You will need to enter the info where I have put XXX's (the info will be on the court papers). You will also need to put the date of the letter you sent to them (I have put XXX's there also). Remember to remove all the XXX's. You will notice that I have said a family member has offered to contribute £50 per month towards the arrears. By the way, the £50 arears charges are not taken off the payments towards the arrears, they are added to the outstanding balance of the mortgage. So whatever you pay towards the arrears reduces the arrears.

 

Take a copy of the letter and the DWP info then write the claim number on the top left hand corner and Appendix 1 (for the letter) and Appendix 2 (the DWP stuff) on the top right hand corner.

 

Assemble as follows:

 

N11 form

Signed statement

Appendix 1 - letter

Appendix 2 - DWP documents.

 

When you have all that together take a copy of it for yourself, then staple one set to take to the court (you need to get it there tomorrow)

 

Are you OK with the rest of the form?

 

Any questions, just shout

 

Ell

Yardman Q.27 Statement.doc

[yardman]

thanks again,i think i will be ok with the rest of the form

[Ell-enn]

Let us know when you have put the form into the court and we can go through the court procedure.

 

Ell

[yardman]

when i sign on i declare my girlfriends part time earnings and i show proof of her part time income.