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Help! Husband's 18year old mortgage debt landed on our doorstep today. I'm terrified.


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Hi, Thanks for your kind thought, I hope everything stays peacefull and quiet for you!!!

 

Have a very happy Christmas:whoo:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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POD

 

Have a good Christmas and a much better 2013 !!! Provided those bl**dy Mayans are wrong about tomorrow.

We could do with some help from you.

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in there not out there...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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in there not out there...

 

dx

 

??????????

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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OOpps! sorry!!

 

Uncle B,

I got the quote from the song wrong! D'Oh!

its the other half that's the Pink Floyd fan.

That's my excuse and I'm sticking to it!

 

It's the Christmas sherry then:shock:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 4 weeks later...

Hello everybody and a Happy New Year to everyone except.....

 

We received a letter from the lovely SS's today. I note thay have rebranded their stationary, nice to have the money to spend on such fripperies!

 

Anyhow, they note their 'client' gave a 'full response to our queries/ complaint, raised in January last year, which were issued in March last year' and since then have received 'no settlement proposals in respect of our outstanding liability'

 

They enclose some forms requesting my OH's financial details and 'wish to arrange a monthly payment plan', (that would be 'til the end of time then) or alternatively that their 'client would be prepared to accept a one off lump sum'...they make it sound like a great offer available only to us...bargain rates, sale ends next week... etc

 

There is also a paragraph stating that these offers are 'strictly in respect of our liability alone and they reserve the right to pursue all other parties to the mortgage including any guarantors for the remaing sum outstanding

 

Whatever that lot means

 

So guys, have I missed something here????

 

Was'nt it in November that the FOS informed us that there investigation into our complaint against the H complaint was ongoing???

 

What are SS's , with their fancy new stationary, playing at????

Answers on a postcard......

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SS's ??

 

that a discount letter [begging letter]

 

which is always good news

 

means they know they dont have a leg to stand to goto court

 

the rest is just waffle to frighten you to make contact DON'T!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Send them a copy of their letter, together with a copy of the FOS letter from November, reminding SS's that the FOS are currently dealing with the matter. No need to say anything more, as their letter has been sent by mistake. They are not supposed to send these letters while the matter is still under review by the FOS.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Send them a copy of their letter,

 

The one that came today?

 

] their letter has been sent by mistake.

 

Really, I thought these guys didnt make mistakes??

 

They are not supposed to send these letters while the matter is still under review by the FOS

 

Yes that was my understanding of it too.....

 

So something in the order of...

May I remind you that this matter is still under review by the FOS and contacting me in this way contravenes the (what????) you naughty, naughty SS's

 

Shall I wait 'til the weekend just in case they know something I don't

ie a letter is on the way from the FOS saying all hope is lost, go directly to jail, do no pass Go, do not collect £200....

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Send them a copy of their letter,

 

The one that came today?

 

] their letter has been sent by mistake.

 

Really, I thought these guys didnt make mistakes??

 

They are not supposed to send these letters while the matter is still under review by the FOS

 

Yes that was my understanding of it too.....

 

So something in the order of...

May I remind you that this matter is still under review by the FOS and contacting me in this way contravenes the (what????) you naughty, naughty SS's

 

Shall I wait 'til the weekend just in case they know something I don't

ie a letter is on the way from the FOS saying all hope is lost, go directly to jail, do no pass Go, do not collect £200....

 

Yes a copy of their letter and a copy of the FOS letter. I would not bother writing out another letter. Just write on their letter. Think you have sent this in error, as this matter is still under review by the FOS, as per their last letter. Then just put in an envelope.

We could do with some help from you.

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No. I doubt that SS would be aware of anything, as they would have put something in their letter about the FOS decision, if they had been. They would have put something like. Now look here you daft mare, the FOS have told you that you have lost, so pay up or else.

 

If Halifax have not been able to get hold of the payment details, then I can't see the FOS ruling in their favour. I am pretty sure the FOS would view this the same as a court, that if there is no evidence of the payments being made by the mortgage holder, then it would be difficult to rule in favour of the mortgage company. If the debt collection agency (DCA) had kept better records, then this would have been decided by now. So it is pretty fortunate that the DCA were rubbish with their record keeping in this case.

We could do with some help from you.

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Keep a copy of what they sent and your response for your own records.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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So the original letter/forms and bumph back to SS's with a note written on it (keeping a copy of this for my records)

and a copy of the last letter from the FOS.... 1st class ? Recorded delivery???

 

Just a thought.....

on the letter from the FOS they show my name, which is not the same as my husbands, as i am his authorised contact for the FOS...

Now do I want SS's or the H to have that information...

Should I delete/ obscure it?

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Just a standard letter. SS obviously did not realise that the FOS were still involved.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 2 months later...

Hi Guys, Uncle B,the Brig

 

Well we received the final decision from the FOS this morning,

 

I knew time was ticking down and have been dreading it and I was right, I'm afraid....

it's not good news! :sad:

 

they have based their decision.....

'on the balance of probabilities...ie what (they)consider is most likely to have happened in the light of the evidence'

 

They say thay are........

'satisfied the H contacted (my OH) within the 6 year period, and that he made payments toward that shortfall up until 2000 and do not consider the H have treated him unfairly'

they also state that

'they do not consider that the H acted without due diligence in marketing and selling the flat'

 

so they will not uphold the complaint.....

 

they have included a little card for us to return by May 13th, either.....

 

accepting their decision which will become legally binding (AAAGGhhhh!!!)

 

or rejecting the decision,which will apparently not affect any legal rights he may have.....

 

which seems to be an interesting turn of phrase...what legal rights may we have??????

 

Absolutely none I suspect.

 

So guys, that's us down the Swannee is it????

 

:help::help:

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