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    • well get something sorted so the CCJ doesn't happen  then go after vanquis under IRL, might get all or most of the balance wiped......just musing..
    • probably one of the freeman of the land 3 letter syndrome twaddle companies that have been popping up on facebook of recent.   there was a rather large d-live conversation resulting from one of them if you followed the rabbit hole links on facebbok whereby the two main protagonists behind most of the adverts in various fake company names  claimed they had got the rankines case over thrown and you could now win by following the old twaddle. it got removed over xmas.   as for dealing with the defaults...1st i hope you've not settled these to DCA's have you?   if the defaults were a true reflection of the way you operated the accounts (bar the one you claim in not yours...more later) there is little you can do sadly, though appealing to the better nature of the original companies whom registered the default sometimes works esp if you settled the debt with them not a DCA.but why would they have sold it if you'd settled the debt. sadly i think you've been had blind if you've paid any DCA anything .   as for defaults preventing a mortgage got to a proper broker that knows his onions,  2 are settled so shouldn't be of an issues 1 you say isnt your ...tell us about  one is with lowells now and unpaid...whats was the debt and with whom.   we have known people to get a mortgage with 5 defaults here all from 2018/9 period without having to get done over by a high rate of interest. in this current climate it should be easy now to get a mortgage...
    • Have you tired just saynoto0870 for alternative numbers, url below takes you to 0870   https://tinyurl.com/srzwr9bk
    • Thanks for your feedback.   Is there a recognised process that you’re aware of to challenge these Defaults?  Thanks for your feedback.   Is there a recognised process that you’re aware of to challenge these Defaults? 
    • Consumers repaid £2.4bn of credit in January, which is the largest net repayment since May 2020, according to Bank of England data View the full article
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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First Plus Secured Loan Court date set...HELP!!

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Try to make this brief, my ex and I seperated 5 yrs ago and he ran up many debts, one I reluctantly agreed to have secured on my home soley in my name but the loan was in joint names, I struggled to pay the loan for a year, I have two disabled children and on income support at there carer. my ex refused to pay any amount to the loan or CSA or even see the children, he cleanly walked away.

I went to the CAB and they contacted first plus and agreed a smaller amount which I have paid every month without fail for 4yrs, the arrears are now 8K and they want to start possession, they stopped taking payments in Feb2012 the CAB have tried to reneog with them but they havent responded, I have now gone to them with an offer of the orginal amount plus an extra amount of the arrears, do you think they will accept this, its been two weeks now and they havent responded, I thought under the laws they couldnt start possession if my mortgage is paid via DWP and if I make a fair offer they need to either accept or decline within 10days, is this correct.....I am at my wits end, this is making me very ill, I feel so let down that my ex could leave us in such a mess....I also feel its unfair...I have always paid the mort and paid my half of the loan, (which only has two more years to go)...I cant beleive we face loosing our home because of the debt he left behind.

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An offer of full CMI plus an amount towards the arrears (if it will clear the arrears before the end of the mortgage) will normally be accepted - if not by the mortgagee, then certainly by the courts if it can be shown to be affordable.


I am not sure where you got the idea that if the DWP are paying SMI that possession won't take place - that's incorrect. If that were the case, people struggling to pay their mortgages would simply give up work and let the public purse pick up the bill. SMI is supposed to be a temporary measure - not a long term solution. But, realistically speaking, it's cheaper than housing benefit, so I am not sure why the government have lowered the rate of interest they'll pay - but that's an aside.


Have you considered the Mortgage Rescue Scheme?

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sorry what is CMI? and a morgage rescue scheme?...


...thank you for your comments and advice, the lady from CAB seems to be under the same conculsion, my godness its very scary though!!

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CMI = current monthly instalment (of your mortgage/secured loans)


MRS = Mortgage Rescue Scheme, a government funded system designed to help those who are in difficulty with their mortgages. If you meet certain criteria then the local authority/housing association can purchase the property from you and re-rent it to you. It is not the same as other advertised sale/rent schemes as you become a secure or assured tenant. You can find out more by contacting your local authority housing department.

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  • 1 month later...

Advise needed if possible??....


I was due in court tomorrow Wed 8th...I had a call from the sols acting for first plus and they have informed me they wish now to adjourn it because of my defence repsonse (which they say they have only just got even though it was completed in june) they say that my defence needs to be looked into because of the reasons why the loan was first secured on my home in my name soley but the loan in the name of my ex, and that they say they were never made aware that my ex had left the property (which they were on more than one occasion)....SO my question is, should I still go to court and have the judge hear us OR agree with first plus to adjourn for 28days and wait until they have looked into the case???....I am completed mind boggled....many thanks

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