Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Arrears payment in full


Please note that this topic has not had any new posts for the last 3003 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

Not a nice picture. This is from 2010, it seems as if they are after quick settlements because they want the cash and not long dragged out mortgages.

I wouldn't think that you would have any problems retaining your house should this go to court.

 

"Many, like Rooftop, Southern Pacific Mortgages Limited (SPML) and Preferred, were first owned by American investment banks that failed.

 

The current ownership of many such lenders is unclear, even though tens of thousands of ordinary borrowers remain on their books. The Financial Services Authority says it has no list of such lenders or their parent companies and no knowledge of what mortgage rates they charge.

 

In many cases the lenders are thought to be foreign, unregulated businesses that can charge high mortgage rates and become aggressive if borrowers default.

 

Evidence from Citizens Advice, Shelter and other charities suggests these lenders are especially harsh over arrears. The law simply requires that the mortgages be run by a UK firm authorised by the FSA. But these have no control over lenders' rates or arrears policy. "

 

 

Read more: http://www.thisismoney.co.uk/money/article-1240055/Fresh-mortgage-agony-borrowers-threat-repossession.html#ixzz1TQhTkg91

Link to post
Share on other sites
  • 1 year later...
Hi

 

Our mortgage company are taking us to court on 2 August for possession of the house unless arrears are paid in full. My mother has given me the money to pay the arrears in full, I have informed the Mortgage company of this but they say they will not accept payment from us unless I prove where the money has come from and where my mother's money has come from and she provides them with bank statements.

 

They say they will still be taking us to court, are they really able to do this? All we want to do is pay off the arrears!

Please can anyone help?

I am having a similar problem. Engage Credit won't accept a debit card payment, or bank transfer, on the basis that their policy states' no third party payments accepted' . My mother is willing to pay arrears account of £2000 before their offices close at 8, to cease the house repossession for tomorrow morning. I paid 1500 last friday and I have arranged a court hearing for tomorrow, and mother will arrange payment into my bank first thing so that I can then pay Engage. Cutting it close I know but I miscalculated and theres a lot more to story.

 

I'm hoping will be able to clear arrears by 10 am on the 31st, but how do you think court will view this? Seems all this could've been resolved if they would accept. Any advice sincerely grateful.

Link to post
Share on other sites

Can you print off a copy of your bank account balance before you go to court? What time is your hearing?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites
Can you print off a copy of your bank account balance before you go to court? What time is your hearing?

 

Hi, not sure I'll have time to print it off, have to be at court 10.45, mother can't pay into my account until bank opens. Although thinking about it I could probably go to a nearby Internet cafe - why would tis be useful, as once money in my account I will be calling Engage with debit card, and they have stresssssed the money will then be then 'locked into the account and guaranteed as they'll have an authorisation number ... Only way to ensure money shows on your (mortgage) account' such rollocks but feel I am at their beck and call at this stage. Thinking about it more, I will have to print off bank statement, they ask a series of 5 'security' questions, if you don't have all your paperwork to hand some are impossible to answer. I kinda feel they using some underhand methods to stall, delay or frustrate!

Link to post
Share on other sites

They also claim if my mother was to pay directly into my account with them, it wouldn't be accepted and returned?!?! Can this be right?

Link to post
Share on other sites

You need to let the judge know all this - what did you put in Q10 of your N244? you did keep a copy didn't you?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Whatever happens, if the court hearing is going ahead, make certain you attend in person, it really is important.

Link to post
Share on other sites

In my n244 just stated Engage would not accept payment to clear arears on account from my mother. I asked Engage if they could send me a copy of their policy as I haven't been able to locate it on paper or on their website. They "do not communicate with their customers by email" ( had to send house particulars that it is on market via fax) . They claim policy will be brought to court, in my frustration I accused them of knocking one up! In addition, if I were to try and arrange for my mother to use their online payment system it takes you to an enquiry form. They had also insisted I only pay by debit card, but when I pointed out the option of bank transfer was also provided on their letter, the reply "oh, ok then, but debit card " etcetc. Without sounding like I'm whining to judge how do I present these endless barriers they've put up? Cor banks only ask 3 security questions for goodness sake! Really appreciating your responses, it's prompting me to remember the difficulties!!

Link to post
Share on other sites

You need to take a written statement with you to hand to the judge in the hearing - if you need help with writing one, please let me know and I'll draft one for you.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

That would be great! My head is a bit all over the place as I've got myself in a state of panic, pacing, not sure I" ll be able to sleep and feel awful I've had to put the pressure on my mother. Didn't say I had offered them £1000 this coming Friday, this morning their calculation was arrears of£1100, so I thought this would be acceptable. I have made 8 calls to them, 4 of these weren't answered before 9 ( they state openings ours 8.30) the other 4 they'd referred my proposal to the manager and would get back to me. This afternoon the figure jumped to £2150.60 as they 'recalculated' and I'm not really clear how they reached this figure, possibly charges? At 3.00pm my mother offered, I called them, referred again to manager to ask if 'on this one off occasion they would consider 3rd party payment, run to court for an emergency hearing, still no call from them. I had to call them again. Only to be told no, not willing to accept my proposal, 3rd party payment and arrears in full please.

Link to post
Share on other sites

Ok, do you have a printer at home?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

OK, just need a little background before I can complete the statement - stay with me on this thread as I will be asking for information:

 

1. Is the mortgage only in your name?

2. Are there any children living in the property?

3. What was the reason for the arrears?

4. Did you attend the original hearing for possession? I assume there is a suspended possession order, what were the terms of the order?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

1 my name only

2 I let it for one year, just managed to get them out, house in a state, they are aware let out n tenants gone. Explained house on market. I am single with a 5 year old, sole support.

3 inconsistent payments from tenants. Tenants stated they would settle up on leaving, they did a runner on 3 months rent. Have offered, but not formally agreed by Engage to pay weekly to spread cost of monthly mortgage, I am paid weekly.

4 yes, suspended, mortgage + £100. My mortgage seems to go up and down, it is now £687 on a £157000 interest only mortgage, I can afford £160 weekly

 

Thank you so much for your help

Link to post
Share on other sites

Affixed is the statement for court - you need to fill in the information at the top of the statement where there are XXX's the info you need will be on the eviction warrant. You also need to put the transaction number you will get from the lender in the morning when you make payment.

 

Print out 3 copies of the statement and sign.

 

When you get to the court ask if there are any free legals on duty - lots of courts have them on repo hearing days and they can accompany you into the hearing and support your case.

 

When you get into the hearing, wait until the judge has finished opening and then say "Sir(or Madam), please may I give you further information" and then hand over the statement, then hand one to the representative for the lender.

LSD Statement for court.doc

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Thank you so very much, Ell-enn. I would've rambled on and on. I will get back to you once I get a judgement. Once gain, thank you.

Link to post
Share on other sites

You're welcome - don't forget to come back and let us know the good news :)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Hiya, all sorted! So pleased . Arrears paid off in full ( thanks to great Mum) and although Engage didn't cancell order suggesting still go to court etc, their solicitor was fine. Judge thanked me for the statement, explained there are a number of problems with 3rd party payments ( contractual engagement? And probs with money laundering ) possession cancelled, suspended order. In and out in 5 mins.

 

Thank you for your assistance and time Ell-enn x

 

Don't accept the mortgages companies inflexibilities, make an application to the court.

Link to post
Share on other sites

Great result - well done:)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...