Hi Ell-enn I have received a letter fromthe mortgage company today. Guess what. They ahve sent me a letter giving and confirming a complete breakdown of when payments were due for moeny owed over the next 6 months and we have been given no where near and the balance was repaid within noth even 3 months. I think the Judge will have a feild day with them when we go to court I am going to mske them pay for what they have put us through. I a need of your help tho.. What do i do next? Ladidi

Hi Ell-enn I have received a letter fromthe mortgage company today. Guess what. They ahve sent me a letter giving and confirming a complete breakdown of when payments were due for moeny owed over the next 6 months and we have been given no where near and the balance was repaid within noth even 3 months. I think the Judge will have a feild day with them when we go to court I am going to mske them pay for what they have put us through. I a need of your help tho.. What do i do next? Ladidi

I have received letter from the 2nd charge and they confirm that the arrears were less than those that were filed. I found out that when I made payment the company looks at your payments as arrears if they have not received them by 1st of each month. So if your pay is on the 20th of that month and they have not had their payment by the 1st you are looked as at having a misses payment and it is arrears. Also the total balance they claiming that I owe is not correct as they have written to me and shown on the letters that the total balance is no where near what they are claiming. I am so angry with this company I cannot wait to have them in court and then sue their asses for my lost earnings, stress etc

I have received letter from the 2nd charge and they confirm that the arrears were less than those that were filed. I found out that when I made payment the company looks at your payments as arrears if they have not received them by 1st of each month. So if your pay is on the 20th of that month and they have not had their payment by the 1st you are looked as at having a misses payment and it is arrears. Also the total balance they claiming that I owe is not correct as they have written to me and shown on the letters that the total balance is no where near what they are claiming. I am so angry with this company I cannot wait to have them in court and then sue their asses for my lost earnings, stress etc

Banks are bracing themselves for losses http://news.bbc.co.uk/1/hi/business/7362856.stm

Banks are bracing themselves for losses... http://news.bbc.co.uk/1/hi/business/7362856.stm

Hi Ell-enn I founf the lettes they sent to me originally. The first one where I offered to pay full balance by end of march and the second one form the sme guy where I agreed £300 per month until arrears are cleared. This plan was set up in February (end of ) and we are only in April and they have done nothing but pressure into making payments. We are now paid in full..But I am gunning for their asses

Hi Ell-enn I founf the lettes they sent to me originally. The first one where I offered to pay full balance by end of march and the second one form the sme guy where I agreed £300 per month until arrears are cleared. This plan was set up in February (end of ) and we are only in April and they have done nothing but pressure into making payments. We are now paid in full..But I am gunning for their asses

Good Evening all. I have an update on the above re second charge with Capstone Mortgages. On Friday whilst at work post arrived for myself and husband. They have filed to court for our house and yet "NO" broken agreement and payments have been made as agreed. We called them in February when the arrears were £600. I offered to have them cleared by end of March. They informed this was not necessary and offered me a payment plan of paying amounts due £193 plus £100 more to pay off arrears meaning they will be cleared by july/august. So total agreed was £300 per month. I have read the court papers and the solcitors acting for them have filed incorrect information. My first mortgage is up to date and the second charge have confirmed with me that as at the end of march 2008 we only owed them £290.56 plus this months payment of £193.00 so total is £482.33 meaning nothing more is due until 1st May 2008. We spoke to a solicitor who informed us that as the arrears are so low and that the papers filed have inaccurate information on them they have acted incorrectly. She advised us to pay the total ammount due and speak to the solictors and ask them to remove the court fees and their charges from our balances owed. I have spoken them and they wanted me to put it writing. I lost my temper and said tell you what this your fault the inaccurices have been filed we will see you in court as they are not prepared to remove the court fees and their fees from our account she also said to me, please bare in mind if you force us into court there will be more charges applied to yourselves!!! Cheek of it!! I said dont threaten me, it is your fault we are in this mess, you have file incorrectly and you want me to write to you to put it right??? I`ll tell you what see you in court! We will see what the Judge has to say about this mess!. We have paid amount due and paid to date I have reference number confirming payment made. I am going to wait for it to show on my bank account statement then ask the second charge to send me a letter showing account now cleared. I have also instructed Capstone to send a letter which shows agreement we entered into and also a letter showing amount if interest at 30/03/2008 which shows arrears are not more then £290.56 and yet the solicitors have signed a statement of truth stating our arrears are £590 which is a lie at the same date. Considering they have screwed up big time, can I insist or ask the court that they pay me for loss of earnings due to taking time off work 3 times now to sort this out and compensation for undue distress?? The solicitor we spoke to in person mentioned that when we go to court they we can insist on them having to pay their own fees which means no charges to us. The date for the court hearing is on Wednesday 14th May 2008. I have asked the second charge to confirm how much was owed when the solicitors acting for them issued ther court papers and they inform me £290.56 at the end of march. Their court papers show £590.56 up to the date of issue of the summons which was 2nd April 08. Although the solicitors statement of truth was signed 14th March 2008. I have paid total due including arrears and my account now shows nil owed as of 21/04/08. I have to call back in a couple of days for confirmation of this to come to me in writing. I asked the solicitors to remove their fees and court charges as when they filed claim they filed inaccuracies. They asked for this in writing, I informed them I was not about to correct their errors andwould see them in court. When I call back I will be asking them to issue me a statement of account from the beginning to the end ad any charges in there I will be duly asking for a refund. The court papers also show that balance which I would be required to pay in full as at 31/03/2008 is £14,949.84 taking into account any adjustments for early settlement. This includes £520.13 for solicitors costs and administration charges. Yet the second charge have confirmed the balance we owe is totalling £13759.47 at 21/04/2008. and they sending me a letter in writing confirming this. I am going to ask them to issue me with another letter showing the total amount due as of 30/03/2008 to see if confirms the amounts the solicitors have put in the court papers. Sorry this is so long and I may have repeated myself, but as you will see I am so stressed out and angry that they have audacity to blame us for this mess and make an agreement with us and still have the nerve to file to court adding more stress and money worries to the hard pressed already. As if things weren't bad enough!!! Does anyone know if I can report these companies to anyone? e.g FSA and solicitors for their failure, such as their body??? I mean there has to be someone who is forced to act as this cannot and should not be allowed to continue. I think it is about time they are penalised the same as they penalise us, when they take us to court and force more money worries and stress onto a hard pressed person when they have already done everything in their powers and humanly possible to act in a fair and just way. We have to file the papers for court as well..Does anyone know how we fill these in? What do we say? Thanks for your time in this matter. Ladidi

Good Evening all. I have an update on the above re second charge with Capstone Mortgages. On Friday whilst at work post arrived for myself and husband. They have filed to court for our house and yet "NO" broken agreement and payments have been made as agreed. We called them in February when the arrears were £600. I offered to have them cleared by end of March. They informed this was not necessary and offered me a payment plan of paying amounts due £193 plus £100 more to pay off arrears meaning they will be cleared by july/august. So total agreed was £300 per month. I have read the court papers and the solcitors acting for them have filed incorrect information. My first mortgage is up to date and the second charge have confirmed with me that as at the end of march 2008 we only owed them £290.56 plus this months payment of £193.00 so total is £482.33 meaning nothing more is due until 1st May 2008. We spoke to a solicitor who informed us that as the arrears are so low and that the papers filed have inaccurate information on them they have acted incorrectly. She advised us to pay the total ammount due and speak to the solictors and ask them to remove the court fees and their charges from our balances owed. I have spoken them and they wanted me to put it writing. I lost my temper and said tell you what this your fault the inaccurices have been filed we will see you in court as they are not prepared to remove the court fees and their fees from our account she also said to me, please bare in mind if you force us into court there will be more charges applied to yourselves!!! Cheek of it!! I said dont threaten me, it is your fault we are in this mess, you have file incorrectly and you want me to write to you to put it right??? I`ll tell you what see you in court! We will see what the Judge has to say about this mess!. We have paid amount due and paid to date I have reference number confirming payment made. I am going to wait for it to show on my bank account statement then ask the second charge to send me a letter showing account now cleared. I have also instructed Capstone to send a letter which shows agreement we entered into and also a letter showing amount if interest at 30/03/2008 which shows arrears are not more then £290.56 and yet the solicitors have signed a statement of truth stating our arrears are £590 which is a lie at the same date. Considering they have screwed up big time, can I insist or ask the court that they pay me for loss of earnings due to taking time off work 3 times now to sort this out and compensation for undue distress?? The solicitor we spoke to in person mentioned that when we go to court they we can insist on them having to pay their own fees which means no charges to us. The date for the court hearing is on Wednesday 14th May 2008. I have asked the second charge to confirm how much was owed when the solicitors acting for them issued ther court papers and they inform me £290.56 at the end of march. Their court papers show £590.56 up to the date of issue of the summons which was 2nd April 08. Although the solicitors statement of truth was signed 14th March 2008. I have paid total due including arrears and my account now shows nil owed as of 21/04/08. I have to call back in a couple of days for confirmation of this to come to me in writing. I asked the solicitors to remove their fees and court charges as when they filed claim they filed inaccuracies. They asked for this in writing, I informed them I was not about to correct their errors andwould see them in court. When I call back I will be asking them to issue me a statement of account from the beginning to the end ad any charges in there I will be duly asking for a refund. The court papers also show that balance which I would be required to pay in full as at 31/03/2008 is £14,949.84 taking into account any adjustments for early settlement. This includes £520.13 for solicitors costs and administration charges. Yet the second charge have confirmed the balance we owe is totalling £13759.47 at 21/04/2008. and they sending me a letter in writing confirming this. I am going to ask them to issue me with another letter showing the total amount due as of 30/03/2008 to see if confirms the amounts the solicitors have put in the court papers. Sorry this is so long and I may have repeated myself, but as you will see I am so stressed out and angry that they have audacity to blame us for this mess and make an agreement with us and still have the nerve to file to court adding more stress and money worries to the hard pressed already. As if things weren't bad enough!!! Does anyone know if I can report these companies to anyone? e.g FSA and solicitors for their failure, such as their body??? I mean there has to be someone who is forced to act as this cannot and should not be allowed to continue. I think it is about time they are penalised the same as they penalise us, when they take us to court and force more money worries and stress onto a hard pressed person when they have already done everything in their powers and humanly possible to act in a fair and just way. We have to file the papers for court as well..Does anyone know how we fill these in? What do we say? Thanks for your time in this matter. Ladidi

As I peviously stated...This was posted by someone on a different forum on Monday morning and then it was reported by lunch time that same day that decision will be announced on Thursday Interesting Barclays Hi all How interesting, i have a case on stay with Barclays for just over 3k, they offered me £1800 last year and i told them no and filed in court, case got stayed as normal anyway i have just phoned them to see if there was any news and the guy looked at my case and said they were still waiting on the outcome but as a gesture of good will he would make the same offer again of £1800 I just think it interesting that after all this time they were still willing to make an offer?

I wouldn't be surprised if those who Judge said was going to know, already know and are making out they have to wait like the rest of us until Thursday. If this is the case, I must say they are being very cool about the answers they have. But then again I read somewhere, someone had phoned his bank and asked for an update, only to be told no news as of yet and they reissued their offer £1800 which was turned down last year and he said see you in court!! When I fins it I will post a copy of what he said..

Bank charges ruling due on Thursday | Money | guardian.co.uk

Bank charges ruling due on Thursday | Money | guardian.co.uk

Bank charges ruling due on Thursday | Money | guardian.co.uk

Does anyone if onthebrink is going to be back? I have received a letter and would his/her opinon beforeI proceed as to what I should do? Many Thanks

I think what you also have remember as well as your earnings your daughter claims JSA. this is also counted when housing/council tax benefit is applied for. Even though it is not your money and is your daughters they count is a household income and therefore believe she should also contribute towards to some of the rent and council tax.

Sorry dont read too much into one words.."we" I was mearly writing as if I was with you helping you. I/We (husband and I ) have had dealings with them in the past and present. Best place to start is draft a letter and any supporting documents you have to support your claims, as I previously said. If you submit your details building a picture of what it is your trying to claim or explain it will make things easier with your claim. If any interest is due they will pay this the same way they would claim this from you when you paid late and owed. Any documents you provide ask them for it back once the details have been taken. My own understanding is that you can only claim for 6 years, I`m not saying you shouldn't try for earlier years, that is your own choice. You say the errors are down to HMRC, what makes you believe this? One thing you have to remember is this, you as a taxpayer have a responsibilty to inform of any changes in your life, whether this is personal or employment wise. It is your responsibilty as a tax payer to check your tax code and to call with any change of details or circumstances. It is better to make the call then to leave it and have things catch up with you at a later date. When I say YOU I mean you as a tax payer, If you feel something is incorrect or should have been checked you as a tax payer have a responsibilty to call HMRC at any given time to have your tax code checked and to make sure it is upto date and also to update them with any changes in your personal details or employment etc. If you moved house I am sure you would inform your bank manager so he can send your new bank cards to you at the right address, well it would be the same responsibilty you would have as a tax payer to call HMRC when something in your life has changed. At the end of the day when under PAYE the employer deducts the tax from your pay not HMRC and when you are Self Employed it is responsibilty of that person to keep their records and check details when they submit their tax returns. Once they are submitted their presonal allowance is allocated along with all the other information they have submitted and this in turn gives the tax payer a tax calculation. Basically telling them what they now owe if anything. Also what a self employed person has to remember is, they are paying their tax at the end of each year and a person employed is paying theirs each time they are paid through their employer. At the end of the day staff in any job whether it is HMRC of Dept for work and pensions or your employer even, they rely on you submit information to them if your details have changed, or you would like them checked for peace of mind. No one has got a crystal ball where they can see what is happening so they dont have to ask you. It costs nothing except for a few a minutes of time to make the calls. Wouldn't you be happier in the knowledge that you made a call about whatever it was than laid in wait and hoped for best, for it come back and bite you reall hard on the A**.

Hi SpiceSkull. The answer to your question are: You can claim for 6 years back tax only and where interest due this will be paid. In order to claim this you need to submit relevant details in question for years in which you are applying to e.g P60 What you need to do is kind of build a jig saw puzzle and submit the relevant details for the periods in question. The more details you provide the less likely they will need any other information from you unless there is anything you have missed. Any supporting documents you send in, submit a covering letter expalining you would like to relevant documents back once we have taken the details from them. Plus always take a photo copy of any documents you send in for yourself, just in case they go astray or dont make it to the intended office. I`m not saying they would go astray, but sometimes post gets lost during transport from A to B.

Believe me when I say this....I am in as much of a hurry for anticipated good news myself as well as the next man or woman. I`m also a firm believer of sharing good news and bad if it means as much to the next person and is waiting and has a lot riding on that same peice of information. So I reckon I win all round dont you

Well the first guy joined MSE and sent off template and got full refund with in 2 weeks so he states as I posted what was said earlier. The 2nd guy however has been with another forum for the time I stated. At the end of the day you can only go by what people are now coming out with. If banks are repaying their customers and giving them some offering of compensation as well, well it goes without saying really that they are either up to something or know more than they are letting on. Hence they could be clearing the way with cases they have on their desks now and getting ready to clear those caught up in the courts by way of the stay.

Well this guy is long standing member of another forum and joined the forum in the Feb 07 and began his claim in the March of the same year. So if thats not something I dont know what is...

I have just ben chatting with someone else on another forum who began his claim for £3000 back in March 07. He did not file a court claim but the Co-op have recently offered him £2.5k plus £100 compensation for inconvience suffered. Now there maybe something in the works or maybe they are feeling generous considering he didn't file a court claim which would allow him 8% interest. Who knows with the banks these days!!!!!!

Hmm I see where you are coming from now. Only person who can answer that is person who originally posted. Taking on board what you have said, it has made me more inclined to wait for the Judges decisions and take everyting else that goes on with a pinch of salt!

I reckon the guy looked on the site to see what he had to do. Found a template letter he would have to submit, as he may have already bank statements for which he was claiming and hey presto the bank caves in at first hurdle knowing the judge hasn't given the answers to the test case yet. I mean lucky for him that he got is so quickly, as I said begs question does this mean we are in for payouts or are we going to be reading too much into things?????