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Pepe2004 v Rooftop mortgages


Pepe2004
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Hi there, did you submit a budget sheet with your N244 so the judge could see what you would be able to realistically afford to pay ?

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I agree a budget sheet with the joint income of the family + if you quoted the Cheltenham and Gloucester v Norgan case paying the arrears over the rest of the term of your mortgage. So for example £1700 arrears, and you have 10 years left and you owe £1700 = £14.17 monthly. Also as in my previous posts I know for a fact that Rooftops have sold our m,ortgages mine is owned elsewhere but is not on the land registry. But I have actual evidence that they do now not own the mortgages. The whole purpose of this is to liquidate as many as homes as possible for a return of monies.

 

I will be back with the document where I found ours and it was not on Rooftops accounts as I have these as well. There is also Farringdon 2 who have purchased more Rooftop Mortgages. I am told this is a police matter in the way that these companies are stealing our homes.

FARRINGDON MORTGAGES NO1 PLC 2010 ACCOUNTS.pdf

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Hi, only thing you can do is to apply for another hearing to get the payments reduced to what you can afford. I have affixed the budget sheet we use in these cases, it calculates automatically as you fill it in. When you have completed it come back and tell us what you can afford and we'll advise further. £200 per month for arrears of £1,700 is far too much (depending on your available income of course).

 

We can also help you to write a statement citing case law etc which should help.

Budget Sheet.xls

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yes Summited to Rooftop but forgot to include with the n244,as rooftop said they will let me know IE PROPOSALS.

 

i Feel cheated as arrears were 1700 ,but on day of hearing they called me to say £200 agreement in place to stop Eviction.

Once in court their lawyer put the amount including fees/charges to 11770,now i am stuck as i was proposing to clear arrears and than lift the suspended order which is hanging over my head

 

Any help with letters to them with regards to their arrangement of 200 ,but they did not mention fees included,

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For a start did you check that list from Farringdon 1 PLC (I posted up in post 3) to see if your property is on it?

 

I found mine on there, it will not state your name but will state an area, when the mortgage was taken out and the amount of borrowing, monthly payment and ours matched.

 

Have you got the full list of charges etc as it is sounding like a further £10k has been added in charges, which needs to be addressed by writing to rooftops once you have a complete list from them from the SAR. They wont give this for nothing as I was told they make a charge. Once you have the list you can write to rooftops and ask them to refund the charges when they give you a final no, no, you must then put this part of your claim with the FOS as as sure as eggs are eggs they have well and truely put in ridiculous fees and you will eventually get this reduced.

 

I can only advise that you MUST make these payments of £200 per month until you are able to get back to court as they will have no hesitation in going for the possession. At this rate it will take no more than 9 months to clear the actual arrears.

 

I am sure Ell-enn will be back to help you further but honestly you will have to keep up by hook or by crook pay the arrears repayments as the court has agreed to until such times as you can get back into court with evidences of your income and expenses by way of a budget sheet that you have already been given. Also, by quoting the norgan case as I also suggestied the arreas can be spread over the remaining term of you mortgage and no judge in the land will go against that case reference. We chose to do it over 4 years as we did not want this hanging over our head and we sighed with relief when the final payment of the ARREARS were paid in full.

 

You will probably need to send an SAR to Rooftop to ask them for a complete breakdown of your account including all charges.

 

Can you tell us what the actual arrears of £1700 represents in terms of months overdue. In other words what is your monthly repayment and how many months arrears does £1700 represent.

 

I am sure CAG here of a great SAR in the library if not I will post up mine which is very comprehensive.

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Hi

Can you help as to where to look on the FARRINDON document to see if my area and payment are on there...

Have not got the full list of charges,would appreciate if you can post your SAR

Reference arrears it is the short fall of the contractual monthly payment after the dwp has made their payment on mortgage interest only,this was ok at first but as the libor rate increases as i have been told by Rooftop,the payments go up every 3 months ,was sitting at £524 now over £600,hence i than get a bigger gap on the shortfall thus increasing arrears.hope that makes sence

will continue with £200 as court order as suggested

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On Farringdon Mortgages No1 PLC, I found it by area, then the original loan amount, then the actual loan as we had topped up. You could well be on Farringdon Mortgages No2 PLC which I maynot have. It took me a while to find as I slowly went through eliminating the ones in definate areas like up north etc and concentrated on the areas in the London area. When you see it you can absolutely know that is your mortgage and it could not be anyone elses. When that report was posted up originally it came out with too much information with names and address and it had to be shortened to be posted up on a forum as I could not have mine or others details on an open forum so unfortunately much was deleted.

 

I will pop up my SAR a little later if that is ok with CAG it is very comprehensive and will ask for everything on your mortgage.

 

I will also be sending an SAR to Farringdon Mortgages No 1 requesting them to confirm that they own it - not letting them know that I actually know at the moment that they do.

 

As far as your mortgage payments are concerned ours is also on the libor and had increased in last 3 months it has gone up slightly. We pay a base rate 3.2 + whatever the current libor rate is as this was the rate we agreed to at the start of the mortgage. My o/h says it depends on what your base rate was agreed to, but that increase does sound like a huge amount of money and again I would question with Rooftops how they have reached this figure. Ours is a much larger mortgage than your and ours only went up just under £20, so I feel something is wrong. They are in tomorrow morning (Saturday)you can phone them and ask them to explain how they reached this figure, lets see what they say before we diswcuss this point further as something is clearly not right.

 

For now the information that I have given you on Farringdon/Rooftop should not be mentioned to them when you write as I don't want them to know that we have cottened on to this yet and do not want them to have a chance to correct the situation before the investigation starts.

 

 

 

Hi

Can you help as to where to look on the FARRINDON document to see if my area and payment are on there...

Have not got the full list of charges,would appreciate if you can post your SAR

Reference arrears it is the short fall of the contractual monthly payment after the dwp has made their payment on mortgage interest only,this was ok at first but as the libor rate increases as i have been told by Rooftop,the payments go up every 3 months ,was sitting at £524 now over £600,hence i than get a bigger gap on the shortfall thus increasing arrears.hope that makes sence

will continue with £200 as court order as suggested

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As promised I enclose my SAR that I would use. You can amend to suit what you require from them but this is so comprehensive and lets see if they slip up and give you any information as to where your actual mortgage is held as as sure as eggs are eggs Rooftop is just a shell company.

ROOFTOP LETTER SAR REQUEST.doc

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Pepe and Ell-enn did you both read my PM sent yesterday as it had some important information and may well help Pepe.

 

Yes it was very useful and have done the SAR,EXCELLENT LETTER WITH GREAT INFO

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well once the SAR is sent you have 40+2 days maximum time to wait. Did you send the £10 cheque/postal order?

 

Yes i did enclose £10 lets wait and see what happens next

 

The SAR was very good and very to the point

 

shall keep you posted

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Pepe, did you write your mortgage account number on the back of the postal order and "fee for subject access request only" just in case they take it as a payment towards your account

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Pepe, did you write your mortgage account number on the back of the postal order and "fee for subject access request only" just in case they take it as a payment towards your account

 

I enclosed a letter just to say the enclosed £10 is the fee for the SAR and at no time should this be used towards payment of my arrears or court order.Mortgage account number was written as well and i took a copy for my records

 

lets wait and see sent both separately, SAR To their Data/Customer service department which i had teh address in London and checked they are there ,the other letter to MK reference court hearing ..

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postal order and made a copy of this as well,also sent a separate letter after court hearing as they included fees/charges on full amount.Arrears as you know are minimal under 1800,but with fees ect over 11000

So i await two replies

1. from letter ref hearing

2. SAR

Has anyone claimed fees back from these people after FOS intervention

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  • 4 weeks later...

Hi ,

Received a letter from my complaint after court hearing which i felt had to be put in,it looks like they now want more time to enable them to finalise a written responce..They have had over 20 days now,as it was them who suggested they will reply with a written responce within 20 days..and they have FAILED TO DO THAT

I am drafting a letter to them who do i address it to as the reply i got was from Customer care administrator..Is this a joe bloggs or someone with a creditable position not an admin assisstant

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