UPDATE. I have a court date for a hearing on friday. Engage credit are saying that they wont allow me to sell the house. origiaonal borrowing from future mortgages 148,000 CHARGES stacked up fees and the figure engage are stating is 162000 The sale price on the House 150,000 I have offered to carry on paying them 100 a month off the so called short fall until the Ombudsman completes investigation. Refused. So ii have no options. I have been paying them every month, not missed since end of 2009 i have offered to pay bit extra, tried to sell the house and it just looks like these guys are up too something as they just want to reposess. I am hoping the judge will force them to let this sale go through as if they repo they will get nowhere near this price, Its crazy. Can they really stop the sale oor iis this just a threat

Actively reposessing, Beware, i have a complaint lauched with ombardsman but dont hold ya breath even if you do this.Jobs for the Boys, springs to mind...

engage bought my mortgage from future mortgages, although i disputed the arrears i paid the mortgage paymenst, engage are reposessing me, the courts are letting them, even tho i have a sale on my house and have offered to make paymets towards shortfall whist dispute in placve

I feel for you. It would be good to get a list of people whome are being treated this way as i will go to court and at least put it to the judge. I feel for you. I know how i feel at this moment and its awful. I am printing off all emails made to future and have written to future also requesting a full breakdown of costs plus the origional mortgage agreement. I am hoping that incourt the judge will look at how hard i have tried to resolve and stop Engage credit from taking my house. I dont hold any hope tho. It seems theres a law just for them.

Hi. I have called the fos and been given a reference nmber . I have also filled in a complaint form to them also. I have again spoken to engage credit who are declining all offers i make to themand are saying that it will go ahead. i am at this moment filling in a N244 application notice to try and deferr the reposession and try to be heard by a judge. I have also instructed last week an estate agent to put the house on the market. I just dont know what more i can do. I thought all this had gone away as ive been paying engage exctly what they said my mortgage was and even 50 quid on top as they were charging me house insurance even though i had some. That was credited to my account this week. It just seems so crazy??? I honestly do not know where else to turn now. Is there no hope or should i start packing and give up?. It will also be so embarrasing to be evicted. Especially when i have been paying. I think Future Mortgages Just packaged a big fat deal and sold to engage credit And they have hit me now, Nobody wins, The house is in negitive equity anyway. Whats the point of reposessing a negitive equity home that is being paid for??

WHy couldnt this be capital;ised and put on the end of the mortgage until i had taken FM to task???

Well. After keeping my mortgage payments and in fact 50 pounds over it I have Had a reposession order slammed on me from engage credit. They went to court using optima legal and i am to get out of my home on the 19th of july. I cannot beleive it. Firstly they take on a completely fabricated figure of a mortgage from Future Mortgages. Who i am trying to take action against at the moment. Then Although i dispute the amount owed to future mortgages , Engagae have hit me out of the blue after 6 months. Nice One. Back to square one. I am going to fill a court form in to try and have the eviction quashed stating my reasons. I do not owe them the amount. I agreed to pay the mortgage at the amount engage said until i get to the bottom of these stacked up figures obtained from FM SOOOO FED UP. I WORK SO HARD. What a country we live in. Can anyone if possible email me any information on these companies to help me in court as im going to try to at least let the court know how these two companies work. It may at least save a couple more of youguys. Any help appreciated. Regards Me..

Just to add, Im not trying to get anythingfor noothing ,ive been self employed for 10 years, never claimed any benefits so i dont know anything about getting help. im just wondering if its worth battling on anymore.lol

Hi , i am self employed but not doing very well at all, i just about make the mortgage so id say ive been earning only about 160 a week b. The mortgage alone is 455. So i was wondering is there any help i may be able to get with tax or council tax or anything or as i am self employed am i out of receiving help. Many thanks

Sorry its been a while. Just to let you know i am paying engage directly. what happened was i think as future were selling up they must have added shoosmiths , their layers fees onto me. They simply refused to let me pay directly. I am paying engage credit, they sent me a letter and i set up the DD. But i have just received the statement and its horriffic. From the 148,000 i borrowed from future its 163,000. Future did not allow me to sell and would not agree even though i said i would do something abpout the shortfall. I have been battling on since and am affording the mortgage but its these arreas, and charges that have come up on the engage credit statement. Il try and call them tomorrow, It looks like il never be able to sell now, I I was 8 days away from repo early part of 2009 but i battled through somehow and am continuing to. Its just these charges, i cant work them out at all.

Hi. I have just had a statement from engage credit, the first one since future sold out. I was on a supposed moortgage break as future doubled my mortgage from 580 to 1200 and then refused to remortgage saying they had stopped. per month on interest only on 148,000 . I borrowed the 148,000 but on my statement although i have been paying since last june they have added 15,000 pounds to the mortgage, and they are saying that theres 163,000 owed. 2 years ago when i had these problems i was supposed to be on a sheme with future and it looks like they have added 1200 each month plus costs, and arreas payment costs to of 50 a month plus shoosmiths soliciors fees even though they would not allow me to pay them directly. I cant beleive this as they even stopped me from selling the house even though i tried to sell for 2 years as soon as i knew they had stopped borrowing. Can i do anything about this?. the house is only worth 140 max now and although i am paying it seems this company are also adding arreas etc on the bill, making it impossible to catch up. I wonder if The the origional mortgage was legal, can anyone advise me as to who to go to to look at this, also am i supposed to have a new contract with engage as it seems they have just offloaded the morgage at a figure without going through what is actually owed. Many thanks

I too had a letter from future, saying they were selling my mortgage i too had to go to court after they tried to reposess after shooting my mortgage from £550 per month to £1200 after my fixed term. Then refusung to remortgage. Ive had Almost 10k of charges added to my account, yes 10k by them, they wont allow me to pay them directly and only through shoosmiths who have just added 900 pounds to my account for the joy. I did manage to get a sale on the house but it was 20k less than what the mortgage owed after all the charges and the downturn, so they refused to let me sell, now im deeper as house prices lower. Theres NO equity in my house anymore at all. Do i have to pay througfh these soloicitors or is this just another was of charging me up. Shall i throw the keys in or continue to struggle on, Oh what to do. I am looking at where to go for someone to look at all the charges added to try and reclaim them so i may get a chance to sell, Has anyone ever been on the mortgage help scheme with them which they stopped after a few months? That was a bit [problem] too, there was no help to sell just charges, they actually blocked the sales i got. I would appreciate any news Maybe a multiple action would do the job regarding the charges??