I can only speak from my experience ( which is from some time ago) As far as I know this is a change to a core term in the mortgage and as such should have been signed by both parties. If they are holding you jointly responsible for the loan then surely you should also be party to any major changes - especially those which have this financial implication. A few questions - you said you were led to believe your name would be removed? If that was the case you would also have has forms to sign transferring the mortgage to your ex- wifes name as this obviously invoves the title of the property and land registry etc. If your name is still on the mortgage and you are obtaining no benefit from the property you may need legal advice as to whether you can force her to sell? Are there children involved that are still living in the property? with regards to the change to interest only I would be checking their compalints proceedure on the mortgage agreement and would be tempted to try and follow this up. Although I guess in some respects it is a grey area as presumably you would not have been able to maintain your 1/2 of the MP any way - so the debt would have been increasing? This is not a black and white question I am afraid.

did you get my post? it seems to have disappeared?

ell-enn is the person to help you with your statement. sounds like it will be short and sweet - they just want some back up in case you default on the arrangement send Ell-enn a pm if she misses your thread.

ell-enn is the person to help you with your statement. sounds like it will be short and sweet - they just want some back up in case you default on the arrangement send Ell-enn a pm if she misses your thread.

We are at the moment considering renting out rooms to a local hotel for staff to help with the mortgage - tax free income to a certain extent. If you can see light at the end of the tunnel its worth holding on - but if things get worse please try and retain control by selling before possession. After all if you can move down market, the prices below you will have dropped as well so its all swings and roundabouts really. As far as possessions go the protocol rules for lenders have helped a lot -but unfortunately a lot of borrowers do not know about them.

All depends on what you signed in the original agreement. Dont worry about that yet . Try and put the ball in their court . Try and find out their intentions .I am more worried about whether your property is properly insured etc as you have tennants and whther you have permission from your lender as this could be a breach of the loan.

have you checked you are getting all help you are entitled to ? www.entitledto.co.uk I do sympathise , MOH is in the construction industry as well - it is dire out there.

I guess they are concentrating on those with very little equity as their money is more at risk. However you are being charged interest in the £700 arrears and your debt will be increasing at a rapid rate. Are there arrears charges as well? Mortgage rescue -very few successes . I think you can check criteria on direct.gov.uk

I had never even considered a person would do that- in your case what did they gain? the use of the dress for a night ? then their money back? Thanks for the warning

There have been some sucesses with reclaiming through the FOS but it is an area still being explored at the moment. If you do a rearch on the forum for Mortgage arrears charges there are several threads.

good advice.there may be an all monies clause which could allow possession or they could apply for a charge on the property. Best to have all info and be prepared. Do you have permission to sublet and the appropriate insurance in place? On the bright side if the mortgage is being paid I would think you are low on their priority list at the moment.

what equity do you have in the property ? If your position is unlikely to change in the near future are you considering selling the property? Are you incurring monthly arrears charges?

I would have thought what you are offering is very reasonable. Surely they can noy give a refund just on the word of the buyer - otherwise this fraud would be rife?

How old is the tv? I assume you did have accidental cover on your insurance? Was it new for old cover?

yes on LB they are advising caution until the final draft is finished - unless a hearing is imminent - just hold on a few days - time to re-group.Just remember the court did not say charges were unfair - only that the OFT did not have the power to assess the fairness under the narow remit they used.

0800 3894 020 Is this the number you normally call? This is for LTSB customers already in arrears. I think you need to speak to them. Dont get in a long conversation. Just say you have made an offer - you want them to see it in writing and consider it. Please can they give you an email address ( or fax number if you have access to one0 that you can send the details - also explain about the cheque - is it a lloyds one? if so ask if they can cancel it and then you can pay over the phone?

0800 3894 020 Is this the number you normally call? This is for LTSB customers already in arrears. I think you need to speak to them. Dont get in a long conversation. Just say you have made an offer - you want them to see it in writing and consider it. Please can they give you an email address ( or fax number if you have access to one0 that you can send the details - also explain about the cheque - is it a lloyds one? if so ask if they can cancel it and then you can pay over the phone?

Would it be possible to go into a local branch with copy letters and explain the situation regarding the post and ask them to email the relevant letters and budget sheets to the relevant department? Or call the arrears department and ask for an email address or fax number? If the cheque has not been cashed I am not sure what to suggest unless you can again pay at your local branch and get a receipt? Did you send a copy of your offer to the solicitor involved in the hearing?

Would it be possible to go into a local branch with copy letters and explain the situation regarding the post and ask them to email the relevant letters and budget sheets to the relevant department? Or call the arrears department and ask for an email address or fax number? If the cheque has not been cashed I am not sure what to suggest unless you can again pay at your local branch and get a receipt? Did you send a copy of your offer to the solicitor involved in the hearing?

You are correct in trying to reclaim the charges . Is this through the FOS? You need to find out the exact amount of arrears excluding the charges. As time is short I suggest a strong letter to the lender and copy to the solicitor asking for a complete break down of the MP due and MP made that make up the arrears.Say that it is needed for the court hearing. Ell-enn is your best person for practical help. Can you post a few more details of who lives in the house and also the current financial position with other debts? what is the reason for the arears Can the borrower afford the normal MP together with an amount towards the arrears?

I agree with Ell-enn even if the house has to be sold - you should fight the 50/50 share. Your payments should be deducted. you need legal advice

or just stay in possessions and press new thread

or just stay in possessions and press new thread

Hi glad to see you are back and fighting. let us know the details when you can

just read your thread and hope it went ok for you.