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Lloyd's hassling over suspended repossession mortgage. Advice please.


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12 months ago a suspended repossession order was agreed on my mortgage + arrears.

 

Since then every condition has been met by me and every payment met well in time for at least the agreed sum, sometimes more.

 

Today I received a letter which states:

 

"As your full contractual payment is not being met each calendar month, I would ask that you contact this office within the next seven days to discuss other options that may be available to you. Failure to contact us may result in further litigation action being taken."

 

Can anyone tell me what they are trying to do? I was under the impression that so long as I met the conditions of the SPO that was that.

 

Advice please anyone?

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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If you are maintaining payments under the court order then I can't see what they mean by stating that you are not meeting the contractual payment ? Was the court order for contractual payment plus an amount towards the arrears each month ?

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Yes it was, and all payments have been maintained and in good time.

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Additionally I would have thought that if I had breached the order I would be receiving repossession proceedings, not an invitation to call them.

 

And if I'm meeting the terms of the order then surely they do not have grounds to ask me for more money against the threat of further litigation?

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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They have no right to ask for more money - only the court can vary the order not the lender. You need to make them aware that you know your rights and will report them to the court if they ask for additional payment.

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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.

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