Jump to content

 

BankFodder BankFodder


Purpleflowers 2

Birmingham Midshires took last 2 DD'd...despite me asking for the 3mts Covid break.

Recommended Posts

I lost my job early in year so i request a 3 months mortgage freeze from Birmingham Midshires Mortgages BUT Birmingham Midshires Mortgages have taken last months mortgage dd despite me requesting payment holiday and have taken it again this month!!

 

I went to https://secure.lloydsbank.com/retail/mortgages/bm-mortgages/request-a-holiday.asp last month in March completed it and heard nothing even after 10 days, so I completed a 2nd request on 19 March and heard nothing.

 

Birmingham Midshires Mortgages then took March dd from my account on 28 March and again April's dd yesterday on April 28 this is despite me requesting a freeze for 3 months!!!

 

Shall I complete a 3rd request on here https://www.bmmortgages.co.uk/existing-customers/payment-holidays/ ?

 

I tried calling them and been on the phone for well over 1hr over several days waiting in the queue and could not even get through to anyone!!

 

Birmingham Midshires Mortgages if your reading this start looking after your customers instead of wanting to get their homes reposssed!!

 

Share this post


Link to post
Share on other sites

go get it back under the DD guarantee from your bank.

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hi and please respond to my P Msg

 

DX is right - you can easily get the DD's back using the DD Guarantee Scheme by instructing your bank.

 

However, you need to keep doing everything you reasonably can to contact the bank and get their consent to the payment holiday. Of course, you've been trying to contact them but keep trying.

 

Otherwise you risk them saying you've missed payments and trashing your credit rating (if it's not already damaged).

 

You could argue against adverse credit markers (defaults) but it could be a long haul.

 

 


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Did you receive confirmation in writing?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Just a word of caution .......this might not be as easy as you would think.

 

* The Guarantee covers Direct Debit payments. It cannot be used to address contractual disputes between you and the billing organisation.

 

https://www.directdebit.co.uk/DirectDebitExplained/Pages/Incorrectpayments.aspx

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

I don’t think the OP’s mortgage holiday was processed.

 

I received a letter confirming everything , a week after requesting a holiday.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Then that is a dispute with the " Billing Organisation " and for them to refund once/when / if the holiday payment is confirmed.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...