wonder if anyone can help . My sister just booked intensive driving course which has been a total disaster. On of the main things was that the instructor had no badge displayed and despite her asking several times she only found iust the number today and he told her ( just before her test ) that he is only a trainee. should he have displayed his badge? The car had a problem with a tyre which was noticed by the examiner He fell asleep whilst giving her lessons ( and apparently had been working very long hours) He lied about knowing the area and was constantly using a sat nav on his phone to get round . Plus apparently he asked her out to dinner. This was amongst other things as well. She is totally gutted as the course cost her a lot of money does she have any recourse?

I think you need an explanation of what exactly is the problem. did you get a copy of the valuation report? Is it non standard construction ? If so that should have been flagged up at that point.And Can I just clarify did you have a specific mortgage offer on that property or a mortgage ofer in principal?

When you say you have spoken to an advisor is that an independent mortgage broker? As far as I know payslips and bank statements and a letter confirming your employment should be sufficient - what term have mortgage do you have remaining in relation to your age? In other words are you asking for the mortgage to continue after retirement? Also is there a reason why you don't have a contract?

Have you actually tried asking your present lender - the Halifax? They may be able to help with what you should do to find out what is happening. Dont forget they would not like another mortgage or charge being placed on their security?Try speaking to their legal department I am sure they will put your mind at rest. Also I would send a recorded delivery letter to Nationwide insisting that they stop sending the letters to your property with immediate affect . Make it clear in writing that you know nothing about the mortgage and you want them to get their paperwork in order immediately. also have you done a credit check on yourself to see what has been registered against the property and whther it is affecting your credit rating ? If it has I would be insisting on compensation.

Wow - good news for a change Well done - so pleased for you. You must be very relieved.

any ideas?

Not sure if this is the right forum - but here is the problem My sister in law bought a house in 2005 . She has recently found out that a huge gravel extraction plan could be right behind her property . This is in green belt land and she had no idea when she purchased the house. However she has also discovered that the plans were first put forward in 2003 before she made the purchase and were only put on hold due to a technicality - and to add insult to injury the solicitor who dealt with her purchase lived in the same village where the works may take place so he definitely knew about them . would she have any come back against the information she was given as there is a good chance she would not have proceeded with the purchase if she had known. If anyone has experience of this I will get her on the site to give some more info.

Really glad you are ok and your post may be useful for others who may not know where to turn

Have you actually been to court for a possession hearing? Have you attempted to sell the property?

Well done - you could carry on and report them to the FOS for closing your account - or you could just hunt around for another bank and not give them the business - or what abut an account woth a credit union. well done again for persevering

well done - look forward to more news.

sorry just wanted to add you must adapt the SAR to get all the facts that you think you need.

I agree with what spamheed has said. Dont ack the debt until you have the complete breakdown of that debt and also full details of how the property was marketed/auctioned/sold. Also was a court order obtained by the original lender for that amount? you need full details of everything that would be relied on in court to pursue the debt. They can not get monies out of you that you can not afford - so if that means going to court, then as stated they will have to produce all that documentation to prove the debt and ownership of the debt. Is it true that at one point you did attempt to negotiate the debt as stated in their letter?

oh no.Dont really know what to say . It is a real predicament. Hope someone here can help you more than me.

Well done very pleased for you

You are wrong about Yourbank. Totally wrong. And to comment on him not signing up for a March when he sacrificed his career while trying to help with the cause is insulting to say the least.

Do you know how they came to the MP of £650? Do you agree that if the complaint was upheld then that is what you would have to pay? I guess they will have to recalculate the whole loan and interest charged? Did you at any time get a budget sheet looked at by the court to show what you could afford? My main comment would be to pay whatever you can afford as soon as you can even if it is several payments over the month as I guess the court want some proof that if the PPI is sorted you will be able to continue paying the mortgage.

Complain on unfair mortgage fees | This is Money

Normally in the Key financial Facts that you should have been given it should state their official complaints proceedure. As far as I know the FSA do not deal with individual complaints as such- however they do note complaints about lenders and keep files and if they get enough they can take action. But as a borrower you would not get compensation. However the FOS can put pressure on the lender to refund charges etc. Well they did before the court case anyway. I am still confused as to whether the bank charges case should affect mortgage arrears charges - I think personnally it is a completely different kettle of fish.

So glad you are still in your home. What a fight though. Sorry to hear about the charges refund - wonder why the FOs are taking this stand when other borrowers have had refunds. Sounds like a campaign is sorely needed.

Have you ever seen a copy of their official complaints proceedure - does it refer to the FLA or FOS?

Try not to speak to them on the phone- do the letter that Ell-enn suggested. Pay what ever you can afford. If that is the new MP and the arrears then do that for the moment. If not ,pay what you can and you will have to explain that if you go to court. Make sure if you can that the arrears are at least reducing. Presumably as you did not go to court they based your affordibility on your budget at the time? which I assume has not changed?

I think also you have to take into account that the court based their figures on affordibility. So if you can not afford the new payment plus the arrears you may have no choice but to go back to court. But I do think one letter is worth a try and keep a copy for court hearing. But please read the thread linked above.

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/225928-ge-money-change-terms.html read posts 8 onwards - interesting

Thanks very much for your post and sorry to hear of your problems. I am sure the info will be useful