form MI12..Help!!

[hevvanoz]

Thankyou so much.

[Ell-enn]

Hang on in there - we'll support you.

 

You need to keep chasing the DWP about the MIR - don't let up.

[hevvanoz]

Will do..

[MarySpencer]

Hang on in there - we'll support you.

 

You need to keep chasing the DWP about the MIR - don't let up.

 

Yes, they said they lost my first form, and then even said they had NOT received the second one (which surprise, surprise they eventually found).

My building society also told me to keep an eye on my payments as they are sometimes apt to forget to make the payment..

 

Mary

[hevvanoz]

They also done that to me Mary..the mind boggles..

[hevvanoz]

Hi could Ell-enn please help.I got an eviction notice today for the 6th December...please advise..worried to death

[Ell-enn]

What;s happening with the DWP payments ? have you chased them ?

[hevvanoz]

yes i have chased them.they havent received the further information that i sent them..cant stop shaking and crying..please tell me that this wont happen i have nobody to turn to.

[Ell-enn]

Hi, what information are they waiting for - did you send it by recorded delivery ?

You mentioned a couple of weeks ago that you were going to make a payment of £510 - did you do this ?

[hevvanoz]

The information they asked for was after they had received the form MI12.They asked for what I had used the remortgage money for in 2005.Such as what work and improvements I had made.they wanted receipts for the work done.I supplied all the information but had no receipts as the work was done over 6 years ago.I didnt send recorded delivery.I am making a payment tomorrow when my son comes home on leave.He gets paid end of the month

[Ell-enn]

Phone the DWP and tell them you have received an eviction notice ! did you keep a copy of what you sent to them in the post? re-send it tomorrow by special delivery so they have to sign for it and still keep a copy.

[hevvanoz]

I have rang and been on hold for 25 minutes my phone credit ran out.there is no free phone number for them.I will go down first thing and yes i have copy of the form and will send it recorded in morning.

Please tell me this wont happen..feel like dying.

Edited October 31, 2011 by hevvanoz
add further message

[hevvanoz]

Hello I have rang DWP who have not received the information I sent that they requested..deep breath..However,the lady from the MIR dept. of the DWP told me she will ring me tomorrow(thurs) and talk me through the form and fill it in as I have an eviction notice and needed a speedy solution to this.They need itemised details of what improvements I made to my home(with receipts) when I remortgaged.Which was 6years ago..I will post the outcome of the phone call.Thanks for listening..

[hevvanoz]

Hi The lady from the MIR dept.At DWP has rang to ask if I have the information from my original company that I mortgaged with.The company in question no longer exists (GMAC) So the only information I have is from the Halifax.I cant retrieve original letters from the original mortgage as it was in 1999 and all paperwork has gone.WHAT CAN i DO?...

[Ell-enn]

GMAC is now Paratus - this is their website with contact numbers http://www.paratusamc.co.uk/

[hevvanoz]

Found out that my original mortgage company is now called Paratus ltd.Rang them and the wonderful lady traced my account from 9 years ago(with no roll number for reference) and has give me a final figure.Rang DWP and awaiting a return call from the woman dealing with my case..phew.. been on phone all day it seems.

Wonder why they need all this information as to why Ive remortgaged and what improvements Ive made to my home?..they certainly make you work hard for any help they may or may not give you..

[hevvanoz]

Thanks Ell en found them!!

[hevvanoz]

Well here goes,the lady from DWP rang me and went through the form with me(as they havent received it) she took all the details of my home improvements,then rang me back to say they will only pay £37000 of payments as my mortgage stands at £63000 this works out at £104.00 per month.She said I can appeal against this and will send me the relevant forms to do so.My remortgage was spent on massive home improvements that the DWP do not recognise apparently.While I am grateful for any help my mortgage payment is £370.00 per month plus £50 off the arrears.Can this be the case? please advise.many thanks..

[Nystagmite]

DWP pay interest only. Are the payments you quoted above interest only or capital too?

[hevvanoz]

Yes I know they pay interest only.but my mortgage payments are interest only due to my losing my job.they are only paying for £37000 and mortgage is for £63000.

Only so much they will allow for home improvements.Ah well shouldnt have tried to update my home and lived in it as it was..so much for bettering yourself.

£26.04 per week..laughable.

[hevvanoz]

Hi

Its me again.I have received a phone call last week from optima legal services cc chelsea building society.They have said if I can send them the letter from theDWP with relevant information as to how much and when they are making a payment,they will stop the eviction as long as I make up the shortfall amount.I sent it recorded delivery last tuesday(15th) and have not heard anything from them.Am I right to request in writing what was told to me by Optima? i.e The eviction would be stopped if I complied with this request? Thanks..Heather..ps.. shortfall amount is one months payment.

[hevvanoz]

Please help anyone?

[Ell-enn]

Hi, have you rung them to see if they got it? did you send by recorded delivery ?

[taraquin]

Well here goes,the lady from DWP rang me and went through the form with me(as they havent received it) she took all the details of my home improvements,then rang me back to say they will only pay £37000 of payments as my mortgage stands at £63000 this works out at £104.00 per month.She said I can appeal against this and will send me the relevant forms to do so.My remortgage was spent on massive home improvements that the DWP do not recognise apparently.While I am grateful for any help my mortgage payment is £370.00 per month plus £50 off the arrears.Can this be the case? please advise.many thanks..

 

You are only allowed to claim for the debt in buying the property in the first place. You can get some help with the money used for improvements, but the improvements are very restricted as you have found out.

 

From your figures and if you include £50 off the arrears, you should get help of £111.93 a month leaving a shortfall of £308.07 a month out of your other income.

I don't know where they get there £104.00 from. You should get 3.63% of £37000.

 

Based on your figures including income of £135 every two weeks, keeping the house going is a non starter. Best you look to move to a rental place and cut your losses.

 

Either way as you only seem to be getting £135 every two weeks as other income, how on earth are you going to find close on to £150.00 out of it?

 

Unless you have more income coming in than you have said, keeping the house going is not going to be financially possible. Best start looking for a rental place in my opinion as there is far too much going against you.

Edited November 22, 2011 by taraquin

[hevvanoz]

Yes the amount is £26.04 per week.when the DWP rang to tell me they hadn't worked it out per calender month,which is,as you say approx £112.00.

Rental is going to be round about the same moneywise. Thats why I attend at least 2 job interviews per week and apply for dozens.I could give my home up and get a private rent,paid for by the council(also they pay the bond)I have no wish to do so.The mind boggles,as private rent are approx.£450 per month.So the state would be paying more!..I will keep jobhunting..