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    • Interesting. Thanks for that London.  That’s what I’m gathering.     iv no doubt they would send me fake documents but would they really dare present fake documents to a court of law?
    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
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How much is a reasonable Contractual Monthly Payment+Arrears Offer?


Nobbin
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Hi

 

I'm hoping you can help my sister with this quandary. She has some mortgage arrears for various reasons but they are now wanting to sort this issue out. A court hearing has been booked but her mortgage company have called and said they are willing to help and look at options. The arrears are around £5800.

 

Going forward they can pay the contractual monthly payment plus an amount towards the arrears. The mortgage company say they will consider this but a i and e form must be completed. So I'm trying to help her work out what might be seen as a reasonable offer

Their income is £2700 pm and essential dd etc including mortgage is £1715. On top of that we've allowed for food and a few other bits.

 

So the remains non essential balance pm is £500. How much of that should she offer and leave herself for entertainment, unexpected expenses etc which would seem fair to mortgage company or potentially a judge.

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Whats " camp " Nobbin ?

 

Andy

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Who is the mortgage company

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then if she can afford the uplift in payments over that term it would be simplest to have the whole amount commuted to the mortgage rather than busting a gut to pay off and extra £500 a month for a year. An extra £60 a month for 10 years is not crippling. getting them to agree to this is the tricky bit, they will most likely think that she may well slip back into old habits sosomething will be needed to be done to persuade them otherwise. They may well agree but want an arrangement fee of some extortionate amount added as well. The bad news is the court application hanging over her gives them the good cards. If it is more than a month away then she should pay off some of the arrears without being asked and then make sure the next regular payment is met. This will steal their wind a little and make them more likely to accept the most obvious method of going forward.

Mind you a lot will depend upon why the arrears mounted up in the first place and what the mortgage co were told at the time, if anything. Just not paying it because she had a nice holiday in the Maldives instead wont make them feel like spreading the amount owed over a long time.

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As the poor family haven't had a holiday in three years, they could only wish for a Maldive trip at this point sadly. It was due to a combination of urgent house repairs, a serious car problem and her children starting secondary school. A perfect storm of circumstances that would be very unlikely ever to occur again.

At the moment the plan is to be able to pay thebusual monthly amount ongoing. In December she is paying an additional £650 towards the arrears unasked for and will do the same again in January. Then on Feb/March to clear as much as she can. However from the figures I mentioned above would £100 or £130 per month towards the arrears

Seem reasonable. I don't think they want to add it to the term

And would rather clear it over the next year or two.

But are those figures reasonable ?

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Just to clarify they aren't looking to offer the £500pm. There is £500 per month available left after food and bills. We are looking to work out what would be a reasonable offer to make to clear the arrears from that.

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