Thanx for your help. Have a great xmass

I am dealing with a few creditors and my debt has been sold on more than a few times. I have received defalt notices in the past. How can I find out if I have had more than one defalt per creditor? Kind regards

Hi Jansus, Thank you for your imput. I have not requested Subject access request. Do you think I should try to get this?? The brokerage company has gone into liquidation, so I am not sure if I will be able to get anything back from them! Is there a template for the form?? The mis-sold mortgage article gives me some hope! Thanx again for your help.

Hi to everyone, I have recieved my repossession date for the court. It's on the 1st June 09. I am still seeking help and advice as I feel I have been the victom of FRAUD. Please read my post, its a bit long though! I would like to take my case to the next level and sue GE Home Lending (GE) for the sharp practise they used in putting through a loan when I had not seen the offer in writing or verbally. The case details: I had entered into a contract with a debt management company known as Advanced Debt Solutions. (ADS) This was in May 2006. ADS looked after the repayment of my unsecured debt. Early in 2007 one of the creditors sold the debt onto a third party. This company HFO sent letters and made numerous phone calls starting that they would not deal with ADS and I had to repay the whole balance without delay. I was told I had to speak to a representative from Elephant Loans Ltd. (ELL) or I would be taken to court and I was told about the fees that would be added to the debt. My mortgage was then with Northern Rock for £250k on a fixed rate of 4.7% three year term ending in Sept 2008. I also had a second charge for £40k with Kensington. After meeting a representative from ELL I was told I had to re-mortgage in order to pay back HFO. I did not agree with this and I made it clear that I would only consider a secured loan. I knew my early repayment charge would be considerable. ELL came to see me on several occasions. I was told by the ELL representative that HFO would stop harassing me if ELL told them that they were putting a quote together for me. I was concerned with been pressured by HFO so I aloud ELL to put together a quote for me to view. Although I was still not convinced that a re-mortgage was the correct action to take. ELL came to see me again in May 2007 and told me that I would have an offer soon and that the rate would be a fixed 6.4% for three years. At this stage I told him point blank that I would not move from a fixed rate of 4.7% to a rate of 6.4% and pay all the ERC charges. A few days later I rang a company called Phoenix and spoke to a mortgage broker. I told him that ELL was advising me to re-mortgage and move from a fixed rate of 4.7% to a fixed rate of 6.4%. After contacting his compliance department, Phoenix told me that no financial company should be offering to move me away from a rate of 4.7% and put me onto a rate of 6.4%. He advised me that should I want to raze funds that a secured loan would meet my needs. On the next visit I had from ELL I told him again I would not be interested in a re-mortgage. He was very aggressive towards me and then he left to return again later the same week on the 12 July 2007. I was preparing my elderly fathers lunch at the time. ELL was again aggressive and abrupt with me. I was told that his work was done and I would receive a quote the following week. I was asked to sign a paper and was told that it was only needed to hold the quote for a 4 week period. He then left only to ring me the next day to say that all my paperwork was in order and would I like to go ahead with the re-mortgage. Again I said I would not be going ahead with a re-mortgage. He was abrupt and I was told that I would receive a quote the following Monday or Tuesday. The following Tuesday I received two letters from GE. One was a re-mortgage quote and the other was a letter stating that the mortgage was completed. At this stage I had not had any contact with GE or there solicitors. In the mortgage offer letter I received on the Tuesday, it clearly states that I should allow sufficient time to understand the offer. I was clearly not given any time as I received the mortgage offer the same day I was notified that it was put through. Considerable sums were paid to all parties and I was moved from a fixed rate mortgage of 4.7% paying £1000 a month to a fixed rate mortgage of 6.4% paying £2020 a month. My next step: I complained to ELL the same day and was told there was nothing they could do and to write to their compliance department. I spoke to GE the same week and I was told that it was nothing to do with them and I should complain to ELL. I told GE that I had sent a letter to the compliance department of ELL. After eight weeks of correspondence with ELL there compliance offer told me that there was nothing wrong with the way in which they had conducted their business with me. I then took my complaint to the FSO in regards to ELL. After six months I was allocated a case worker and I was told that ELL was going into receivership and my complaint would have to be passed to the FSCS. This complaint is still ongoing. In November 2008 I took all my papers relating to this whole affair to B&G solicitors (family solicitors) B&G solicitors were only interested in GE’s conduct over the re-mortgage and acted on my behalf with questions to investigate the circumstances surrounding the grant of the loan. I have been told by B&G to seek a solicitor that deals with litigation as they have taken this as far as they can. I am now facing repossession due to the depression of trying to cover the extra costs and I am now unemployed. I am in need of help.

Thanks Maybelline, I am just getting the hang of this web site. What do you mean by PM a mod?? Ham

Hi Suzie, This has been going on for nearly two years now. I was using a debt management company to help repay my creditors, when one of them sold their debt onto a company called HFO. They started to harass me and told me I had to re-mortgage to pay them back in full. That is when I saw a rep from Elephant Loans Ltd and he told me to remortgage away from a fixed 4.7% to a fixed 6.4%. To make a long storey short, the last time I saw the rep. I told him yet again that I would not re-mortgage. At the time I was serving my elderly father this lunch. He asked me to sign a sheet of paper and said I would receive a quote the following week and that it would be held for 4 to 6 weeks. At no point had I been contacted by GE or there solicitors. The mortgage was put through the following week with very large sums paid to all concerned. GE state that it has nothing to do with the whole situation, yet they did not contact me and knew that I had not even seen a quote. I have an outstanding case with the FSCS in regards to Elephant Loans part in this, but they went into liquidation last year. I have no money left to take GE Money on in court and I am now facing repossession. I am due in court on the 1st June 09.

Hi, it seems like you have had plenty of experience dealing with GE. Have you any advice on my problem?? I would like to take my case to the next level and sue GE Home Lending (GE) for the sharp practise they used in putting through a loan when I had not seen the offer in writing or verbally. The case details: I had entered into a contract with a debt management company known as Advanced Debt Solutions. (ADS) This was in May 2006. ADS looked after the repayment of my unsecured debt. Early in 2007 one of the creditors sold the debt onto a third party. This company HFO sent letters and made numerous phone calls starting that they would not deal with ADS and I had to repay the whole balance without delay. I was told I had to speak to a representative from Elephant Loans Ltd. (ELL) or I would be taken to court and I was told about the fees that would be added to the debt. My mortgage was then with Northern Rock for £250k on a fixed rate of 4.7% three year term ending in Sept 2008. I also had a second charge for £40k with Kensington. After meeting a representative from ELL I was told I had to re-mortgage in order to pay back HFO. I did not agree with this and I made it clear that I would only consider a secured loan. I knew my early repayment charge would be considerable. ELL came to see me on several occasions. I was told by the ELL representative that HFO would stop harassing me if ELL told them that they were putting a quote together for me. I was concerned with been pressured by HFO so I aloud ELL to put together a quote for me to view. Although I was still not convinced that a re-mortgage was the correct action to take. ELL came to see me again in May 2007 and told me that I would have an offer soon and that the rate would be a fixed 6.4% for three years. At this stage I told him point blank that I would not move from a fixed rate of 4.7% to a rate of 6.4% and pay all the ERC charges. A few days later I rang a company called Phoenix and spoke to a mortgage broker. I told him that ELL was advising me to re-mortgage and move from a fixed rate of 4.7% to a fixed rate of 6.4%. After contacting his compliance department, Phoenix told me that no financial company should be offering to move me away from a rate of 4.7% and put me onto a rate of 6.4%. He advised me that should I want to raze funds that a secured loan would meet my needs. On the next visit I had from ELL I told him again I would not be interested in a re-mortgage. He was very aggressive towards me and then he left to return again later the same week on the 12 July 2007. I was preparing my elderly fathers lunch at the time. ELL was again aggressive and abrupt with me. I was told that his work was done and I would receive a quote the following week. I was asked to sign a paper and was told that it was only needed to hold the quote for a 4 week period. He then left only to ring me the next day to say that all my paperwork was in order and would I like to go ahead with the re-mortgage. Again I said I would not be going ahead with a re-mortgage. He was abrupt and I was told that I would receive a quote the following Monday or Tuesday. The following Tuesday I received two letters from GE. One was a re-mortgage quote and the other was a letter stating that the mortgage was completed. At this stage I had not had any contact with GE or there solicitors. In the mortgage offer letter I received on the Tuesday, it clearly states that I should allow sufficient time to understand the offer. I was clearly not given any time as I received the mortgage offer the same day I was notified that it was put through. Considerable sums were paid to all parties and I was moved from a fixed rate mortgage of 4.7% paying £1000 a month to a fixed rate mortgage of 6.4% paying £2020 a month. My next step: I complained to ELL the same day and was told there was nothing they could do and to write to their compliance department. I spoke to GE the same week and I was told that it was nothing to do with them and I should complain to ELL. I told GE that I had sent a letter to the compliance department of ELL. After eight weeks of correspondence with ELL there compliance offer told me that there was nothing wrong with the way in which they had conducted their business with me. I then took my complaint to the FSO in regards to ELL. After six months I was allocated a case worker and I was told that ELL was going into receivership and my complaint would have to be passed to the FSCS. This complaint is still ongoing. In November 2008 I took all my papers relating to this whole affair to B&G solicitors (family solicitors) B&G solicitors were only interested in GE’s conduct over the re-mortgage and acted on my behalf with questions to investigate the circumstances surrounding the grant of the loan. I have been told by B&G to seek a solicitor that deals with litigation as they have taken this as far as they can. I am now facing repossession due to the depression of trying to cover the extra costs and I am now unemployed. I am in need of help.

Bump

I would like to take my case to the next level and sue GE Home Lending (GE) for the sharp practise they used in putting through a loan when I had not seen the offer in writing or verbally. The case details: I had entered into a contract with a debt management company known as Advanced Debt Solutions. (ADS) This was in May 2006. ADS looked after the repayment of my unsecured debt. Early in 2007 one of the creditors sold the debt onto a third party. This company HFO sent letters and made numerous phone calls starting that they would not deal with ADS and I had to repay the whole balance without delay. I was told I had to speak to a representative from Elephant Loans Ltd. (ELL) or I would be taken to court and I was told about the fees that would be added to the debt. My mortgage was then with Northern Rock for £250k on a fixed rate of 4.7% three year term ending in Sept 2008. I also had a second charge for £40k with Kensington. After meeting a representative from ELL I was told I had to re-mortgage in order to pay back HFO. I did not agree with this and I made it clear that I would only consider a secured loan. I knew my early repayment charge would be considerable. ELL came to see me on several occasions. I was told by the ELL representative that HFO would stop harassing me if ELL told them that they were putting a quote together for me. I was concerned with been pressured by HFO so I aloud ELL to put together a quote for me to view. Although I was still not convinced that a re-mortgage was the correct action to take. ELL came to see me again in May 2007 and told me that I would have an offer soon and that the rate would be a fixed 6.4% for three years. At this stage I told him point blank that I would not move from a fixed rate of 4.7% to a rate of 6.4% and pay all the ERC charges. A few days later I rang a company called Phoenix and spoke to a mortgage broker. I told him that ELL was advising me to re-mortgage and move from a fixed rate of 4.7% to a fixed rate of 6.4%. After contacting his compliance department, Phoenix told me that no financial company should be offering to move me away from a rate of 4.7% and put me onto a rate of 6.4%. He advised me that should I want to raze funds that a secured loan would meet my needs. On the next visit I had from ELL I told him again I would not be interested in a re-mortgage. He was very aggressive towards me and then he left to return again later the same week on the 12 July 2007. I was preparing my elderly fathers lunch at the time. ELL was again aggressive and abrupt with me. I was told that his work was done and I would receive a quote the following week. I was asked to sign a paper and was told that it was only needed to hold the quote for a 4 week period. He then left only to ring me the next day to say that all my paperwork was in order and would I like to go ahead with the re-mortgage. Again I said I would not be going ahead with a re-mortgage. He was abrupt and I was told that I would receive a quote the following Monday or Tuesday. The following Tuesday I received two letters from GE. One was a re-mortgage quote and the other was a letter stating that the mortgage was completed. At this stage I had not had any contact with GE or there solicitors. In the mortgage offer letter I received on the Tuesday, it clearly states that I should allow sufficient time to understand the offer. I was clearly not given any time as I received the mortgage offer the same day I was notified that it was put through. Considerable sums were paid to all parties and I was moved from a fixed rate mortgage of 4.7% paying £1000 a month to a fixed rate mortgage of 6.4% paying £2020 a month. My next step: I complained to ELL the same day and was told there was nothing they could do and to write to their compliance department. I spoke to GE the same week and I was told that it was nothing to do with them and I should complain to ELL. I told GE that I had sent a letter to the compliance department of ELL. After eight weeks of correspondence with ELL there compliance offer told me that there was nothing wrong with the way in which they had conducted their business with me. I then took my complaint to the FSO in regards to ELL. After six months I was allocated a case worker and I was told that ELL was going into receivership and my complaint would have to be passed to the FSCS. This complaint is still ongoing. In November 2008 I took all my papers relating to this whole affair to B&G solicitors (family solicitors) B&G solicitors were only interested in GE’s conduct over the re-mortgage and acted on my behalf with questions to investigate the circumstances surrounding the grant of the loan. I have been told by B&G to seek a solicitor that deals with litigation as they have taken this as far as they can. I am now facing repossession due to the depression of trying to cover the extra costs and I am now unemployed. I am in need of help.