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why was it miss sold

 

tell us the story please

 

have you all the docs still

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

 

this is the email received from our mortgage company today after i emailed them yesterday

questioning why we were never made aware of a massive lump sum to be paid at the end of the mortgage

 

after doing some reading it looks like we should have changed over to a repayment mortgage,

we were never advised of this at any point, looks like we are never going to be mortage free.

 

We confirm your mortgage was recommended to your via your financial advisor.

They recommended an interest only mortgage, which commenced on 28/04/06.

 

We confirm this indeed on interest only, with a remaining term of 16 years and 6 months.

Therefore after this time, the whole mortgage balance is repayable i.e.: approximately £76,278.89.

 

We therefore recommend you seek some form of free independent legal advice in this matter.

 

We also confirm we have log your comments about this with our consumer affairs department, who will be in contact shortly

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  • 1 year later...

they are a debt counselling service and sent by your mortgage provider

they will charge you upwards of £100 fee even if you turn them away

as with all fees - arrears - letters- late - phone - debt management

these fees are all reclaimable

 

tell us the full story

and name names please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Mortgage company is Paratus.

 

Our mortgage is never going to be paid off because it's interest only and we weren't advised about insurance to make sure that we have enough at the end of the term.

 

 

We've got approx 2.5k arrears and our situation has changed drastically in that I have no job

so we only have my husbands income which is substantially less than what I earned.

 

 

Do I let them in the house to discuss a way forward?

 

 

I just don't know

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merged several old thread

see you've bashed heads wit them for years.

no you don't let them in

and you refuse help

 

 

well its not help

its just another way of Paratus. to make unlawful charges upon you.

 

 

i'd be complaining to Paratus.

and insure they don't levy any extra charge.

about time you got an sar out to them again

 

 

get all the statements

and well get these charges back

and the FOS/FCA wont be too pleased to see they kept doing it.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I have sent the caller a message to tell him that he will not be getting into my house today or ever. I will be corresponding directly with Paratus. I refuse to be bullied by them anymore.

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