Mortgage arrears barclays

[Joanne1989]

Is it advisable to refuse to see one of them

[Ell-enn]

As I said in my last post, there is nothing an advisor can do that you have not already done - so there is no need to see one.

[Joanne1989]

Ok thank you

So I'll just wait and not contact them

[Ell-enn]

Yep, you're doing fine

[Joanne1989]

I have received a letter this morning I have emailed you it as they are instructing field agents

[Joanne1989]

And they want to establish occupancy I'm in a panic again I've emailed you the letter

[Ell-enn]

OK, I'll take a look - don't panic.

[Ell-enn]

Hi, that letter is a standard computer generated one that will be sent out to anyone who is in arrears. It says field agents MAY be instructed - again this is part of the generalised letter which is run off to customers in arrears. You can tell by the way the address is printed at the top that it has just been inserted by the database - this letter has not come from anyone personally dealing with your account or any legal team.

 

I will draft you a letter to send to them in response. You will need to take a photocopy of this letter you have received plus copy of the letter you last sent them with your proposal so you can attach.

 

I'll be back shortly - stop panicking, just remember that the letter is a standard computerised one

 

Do Not phone them - you have already made contact and paid the first installment in line with your proposal.

[Ell-enn]

Hi, letter affixed - you need to insert dates and amount of payment you have made. Send by special delivery - and remember to keep a copy for yoursef.

 

Do you have another address for them other than the PO Box address on the letter you have just received?

Joanne1989[1].doc

[Joanne1989]

Hi no unfortunately I just have the po box address, Thank you for the Letter. Do I need to Put anything about the field agents? I will get it sent first thing as I am in work until half past 5?

What do they mean by establish occupant? Do they think I'm renting it?

Thanks again

[Ell-enn]

No you don't need to put anything about field agents - as I said, that is part of their standard computerised letter. Think about it this way Joanne - hundreds of people across the country will be reading exactly the same letter as you - they are churned out without any human touching them!

 

Establishing occupancy means checking that you have not abandoned the property.

 

Do you have access to a fax machine ?

[Joanne1989]

Hi no unfortunately not again I dont have any access to fax, I am going to try get out to the post office on my lunch as I can print the letter on my break. Many thanks

[Ell-enn]

Have you got a copy of the letter you sent to them with you at work ?

[Joanne1989]

Hi yes I have, I'm still panicing

[Ell-enn]

Why are you panicking ?

[Joanne1989]

Just because Ive never Been through anything like this

[Ell-enn]

As I explained in detail in one of my previous posts, you are a long way away from even the first legal stage - you are fortunate in that you have already made a payment towards the arrears in accordance with your proposal which shows you are committed to reducing the arrears but at a level you can afford, not the level they want which would put you in financial difficulties.

 

In all honesty if this was to go to court the judge may well reduce the amount you have offered - I've known it happen in lots of cases, especially where there are children in the family.

 

You really need to stay positive and stop thinking about what could happen - you have done everything right so far

 

I'm sure you'll find that after you have made the next two payments they will accept that your proposal works.

[Joanne1989]

Hi someone has been to my house today and left a letter

[Joanne1989]

I have emailed you it

[Ell-enn]

OK, give him a ring and tell him that you have already made a proposal to the lender and started to make payment towards the arrears. Make sure you tell him that you know you do not have to make an appointment with him as you have no intention of paying for it.

 

If you don't feel up to talking to him on the phone you could send a letter by special delivery.

[Joanne1989]

Will he carry on coming to my home?

They only sent the letter 2nd I got it 9th and he's come tOday. Will it look as though I'm not cooperating

[Ell-enn]

He shouldn't come if you tell him not to

[Joanne1989]

I've just looked at their website and they look as though they're ppl who come for the lenders looking as though they want to help the customer but instead are on a fact find

[Ell-enn]

It's your right not to make an appointment if you don't want to.

[Joanne1989]

Do you advise not to