oakwood home loans ltd Mortgage arrears - payments made show as AP on CRA file

[petelyn]

absolutey on top of the world, it is just a shame that the DJ didn't give us a fair hearing.

 

Why are the solicitors so adamant to get the eviction, but before going into court she was so nice to us,

 

i also dont think it is wise for anyone to speak to the mortgage solicitor 30 mins before the case goes into court.

[Lea_HTH]

absolutey on top of the world, it is just a shame that the DJ didn't give us a fair hearing.

Why are the solicitors so adamant to get the eviction, but before going into court she was so nice to us,

i also dont think it is wise for anyone to speak to the mortgage solicitor 30 mins before the case goes into court.

 

Excellent news. Just ensure you keep on top of everything so that you never have to face this kind of situation again.

 

As for speaking to the other side - this is common practice in courts, either you speak directly if you are representing yourself, or your representative speaks to them. The point of it is that sometimes negotiation is the ONLY way to win a case - trust me, I have negotiated many times to get the other side to agree to something they had no intention of agreeing to, thereby gaining clients an advantage to staying in their homes. It is NOT a negative thing to do UNLESS there is no prospect of negotiation (mostly there is).

 

Lastly, the solicitor (or more often agent) is simply doing their job for their client, it's what they are paid to do.

[petelyn]

Hi

 

 

i have just received monthly mortgage statement and have been charged for a field agent fee,

the agent called at my home without any notice and i told him i was not interested in speaking to him and he left,

 

 

i did ask him if i spoke to him could he help stop eviction he said no he was only calling to take my financial budget

 

 

,i told him we had already supplied this to the mortgage company.

 

Do i have to accept these charges ?

 

 

seems to me the court helps you try to sort arrears out and these people add more charges.

[Ell-enn]

Hi. no - you do not have to accept the charge for the agent calling, you didn't agree to it. You need to write advising them that they should refund the fee - if you hang on till later I've got a letter for that somewhere I can let you have.

[petelyn]

ok many thanks i would be very gratefull.

[petelyn]

Hi Ellen did you manage to get me the letter regarding agent fees.

[Ell-enn]

Sorry, been busy with visitors this weekend - will look for it now....

[Ell-enn]

Draft letter affixed

Petelyn advisor charge letter.doc

[petelyn]

Hi

I was looking for some advice about an arrangement to pay with my mortgage company

 

in 2011 I went to court to appeal a eviction through a circuit judge who made an order for me to pay my regular mortgage payment

plus £150.00 pm on top

 

I have done this religiously and my arrears will be fully cleared in April 2016 we were really happy we have completed this order by the courts.

 

we have now checked our credit file and the mortgage company have marked every month we have paid them over the last 5years with a Arrangement to pay marker

 

should they have been doing this as we have paid our mortgage and arrears every month

and after arrears are cleared in April will this still affect our credit rating.

[havinastella]

Moved to correct forum.

[dx100uk]

is there a default listed too

 

 

dx

[petelyn]

No they have not put a default on just AP markers

thanks for your reply

[Ell-enn]

This appears to be common recording by mortgage companies where an arrangement to pay the arrears is in place. Unfortunately it will be April 2022 before the arrears completely disappear from your credit file

the mortgage company should start recording the account is OK from when the arrears are cleared.

[dx100uk]

theres no harm in writing to them

and asking them nicely if they would consider entereing a default following you 3rd short payment.

 

 

have you gotten all the statements

and looked at arrears fees reclaiming

and at things like debt visits and any unnecessary insurance they made you take out?

 

 

dx

[dx100uk]

4 threads merged for history

 

looks like you have £1000's to reclaim to me

 

dx

[petelyn]

Thanks for replying

I was just wondering if the mortgage company's keep putting A P until April 2016 and this shows until 2022,

although my mortgage payments will be up to date By May 2016 and will be showing OK from May 2106

and all my other credit card and hp is all showing Ok as everything is now up to date,

 

 

how will this affect my credit rating as I am self employed and I need to up grade my car in July 2016.

 

Will these past AP showing until 2022 still ruin my credit rating which I have worked hard to put right over the last 6 Years ?

 

One more question is

 

 

how do I see what I have been charged since mortgage started in 2007

and can I claim back any solicitors costs.

Many thanks

[dx100uk]

any markers drop of on their 6th birthday.

 

 

you'd need to send them an sar to get all the statement

to reclaim all the fees

but not sols fees no.

 

 

dx

[petelyn]

Can you advise me where I can get template For SAR please.

Many thanks again.

[dx100uk]

urm..click the sar link

[petelyn]

Hi can you give me some more advise on my situation,

 

well we are now clear of our bankruptcy after a long 6 years which has now come off our credit file,

we have paid back all of our arrears which the court gave us time to do,

 

 

how ever there is £60.00 outstanding for our May payment which was due on the 01/05/2016

but it was agreed as always that we would pay the last day of every month with the mortgage company,

 

we were 12 days late on this payment

just checked our credit report and they have entered a missed payment

which has now damaged our credit reports again.

 

 

Now if this was agreed to be paid at the last day of the month

why would they enter a missed payment as we thought it should only be reported after 30 days of expected payment,

that have also charged us £50.00 fees.

 

We have not missed any payments to our other creditors

and our credit report was looking great until the mortgage company did this to us,

 

 

we did tell them last month that we would be putting in a SAR regarding late payment charges

and sending door step callers to the house which never ever came in to speak to us

and they said they were entitled to make these charges.

 

Do you think this is why they have entered This Missed payment on our credit reports?

And how will this new entry affect our future credit.

 

We just got over years of stress and these company's don't seem to care pls advise how to handle this new situation.

Edited June 12, 2016 by honeybee13
Paras.

[dx100uk]

the sar is to get all the statements to look into reclaiming the fees

they are not lawful

regardless to what oakwood say.

 

 

as for your credit file

unless it says xx days until they mark a late payment,

in their t&c then its normal to register it anyway.

 

 

it wont harm you that much.

 

 

hope you've sent CCA requests on all the other debts you are paying

esp if you are paying any DCA's?

[petelyn]

No all our credit cards are up to date

and our HP payments for our car never been missed for the last 3 years

all be it a high interest rate we were going to consolidate our car and credit cards into one loan

 

 

this missed payment has knocked our credit reports to poor,

it has not improved although bankruptcy now removed we thought it would have had a good impact on our report,

 

 

I intend to speak to them tomorrow to see if they will remove missed payment on file

I will then send them SAR,

 

 

the only other debt we have is a charge on house for £2300 but the company has agreed to accept £1000

 

 

I've 10 payments to clear the charge , would this charge have any impact on our credit score .

 

 

Thank you for your help.

[dx100uk]

if the CCJ is still showing yes it will

the charge itself does not show on credit file.

 

you really should look at sending an sar to ALL your current and past creditors.

you mention this loan was consul, so there could well by PPI/Penalty charges on those debts too

that are reclaimable.

 

as long as they were not part of the BK

you can reclaim on them

 

dx

[petelyn]

No the charge order has also cleared off our reports thank you but couldn't understand why our score went down to331 on Noddle and 339 on clear score when bankruptcy was removed ?

[petelyn]

Hi cannot you give me some advice on a charging order that I had put on my property a few weeks before my bankruptcy,

the charging order was for £2300 and this is now over 6 years ago and has come off my credit report,

 

this charge was put on my account cos I handed a car back to a garage and they said this was the shortfall although we never knew where the car was sold to or for how much ?

 

This company rang me in Feb2016 and said if we paid £1000 to them in 10 installments of£100 a month then they would clear the balance which we accepted

 

we have made 5payments and missed a few due to my wife having treatment for a lump on her breast,

the arrangement would have finished this month and my mum was going to pay the remaining £500 this month to clear the balance,

 

however we have just received a letter from creditor to say they have sent numerous letters to us which we have never received from them,

 

they have now sent a letter saying we must contact them by the 18th of Nov this week or they are going to the High court for possession

 

please can you help us regarding them going for repossession and can they do this without the case going back to court.