Ok thanks. As for the SAR, yes I know and we were starting the process, unfortunatley, new jobs, deaths in the family all came as priorities. I have questioned the field visits and have asked for proof of visits etc to start.

Hi Well, the saga continues. - I ended up paying the month holiday payment back at £50 per month which is now clear. Got a statement today, and we owe 580.00 in fees and arrears. I have questioned them on the phone and they have said that we have had field agents etc - (we havent) and no letters to say we have. Letters, phone calls all been charged this year too. Had none as we had a payment arrangement in place.... However the most shocking thing in all this is, that after all the payments etc our balance has been reduced by virtually nothing. Is it a case of SAR time. as we have been murdered on interest.

On Mine The arrears were 1200 (2 payments) - one was from 2009. However its the way they try and hound you, and if you ever offer them a payment after an incoming and outgoing disclosure - ensure they are correct

yeah have been doing. They are joke. 2 bob company

they are hounding me - for a debt i know nothing about. - ive asked them to write - they wont. - Just keep ringing my mobile. 10 times a day!!

Ive been dealing with these recently. -Have a read of my story. - You will get some leway. http://www.consumeractiongroup.co.uk/forum/showthread.php?423505-Mortgage-Express-and-Wallers.&p=4534216#post4534216

Hi Dx Apologies for not being back on - had some pressing family issues to deal with. i phoned them after reducing my payments to an unsecured creditor and offered them the difference, they blatantly refused again and the person on the phone (who i have put a complaint in over) said "you dont have a leg to stand on, im taking this no further - good evening" and slammed the phone down. After i had calmed down I then rang again the next day and spoke to another person, who again went through my outgoings. - They told me i still had more going out than in, even with the creditor difference. I then questioned my incomings details they had. COMPLETLEY WRONG. Yet they still refused and said see you in court. I then had a friend in finance type a letter up and i faxed and emailed them, threatening to report their conduct to the fsa and fca, f ollowed by another call - another manager then ok'd my offer. I said Ok, ill just tell the wife and we can arrange that. This was a £150 payment a month on top of my mortgage. Spoke to the wife - she was so releived as I was. Phoned back ANOTHER called looked at the form of incomings and outgoings and told me it was impossible for me to pay it!!!!! Again I questioned the forms incomings. STILL WRONG. - Re did the form for incomings and outgoings again - this time i had a lower disposable income but they accepted £80!!!! So now hearing cancelled, letter from solicitors confirming that and new payment of only 80 quid more. RESULT. This company though, are bandits. The scare tactics and hounding are incredulous. Only that letter and me continually questioning this has resolved this. Thanks for the initial advice and people be warned, Mortgage Express are a proper set of bandits. Anything to make a quick buck by reposessing your home and selling it on. Bpool

Will do. Ill scan them asap and post em up. Thanks Dx.

Hi Dx, Yes we were getting charged arrears fees, (cant remember exact figure) which I always told them I would try to claim back once settled. We only received 1 statement a year from them. We are due one around now. So I cannot scan anything at the moment (all others have been misplaced). Definitley been charged arrears.

Hi All, I was wondering if you could provide some advice please. We took a mortgage out on our current property with Mortgage Express back in 2003. From then until 2009 we made EVERY payment ontime, every single month. in September 2009 we hit some financial difficulty and I phoned them to see if I could request a 1 month holiday payment. I was advised yes I could and it would be added onto the end of the mortgage and a need to reschedule payments would not be needed. Superb. No need to cancel the Direct Debit, nothing at all. About a year after that we started to receive phone calls and letters telling us we were in arrears. I explained the situation and they denied all knowledge of what I had been advised. They knew Id asked over it, yet did not agree they had said anything of the sort. I asked them to produce a copy of the phone call that took place, however they "cannot find it" - Roll on until 3 months ago, the odd phone call here and there, me explaining the situation, them denying it. 3 Months ago, I phoned them and advised that I was sick of letters and phone calls I will agree to start to repay them. I went through a financial breakdown with them, (which with 5 kids is near on impossible) as i offered 50 pounds per month on TOP of my mortgage to reduce my arrears. They said that I couldn't rely afford that, as my outgoings were more than incomings, (they never are - however when someone asks you how much you spend on kids shoes per year - what do you say). I argued with them and told them I could afford that. They told me then could I cut costs in other places and get back to them. To be fair we havent heard anything since today.... In all the time we have and still are continuing to pay the monthly amount on time. tonight I come home to 2 crappy typed up letters, one addressed to the "Tenant" and one to the "Occupiers" telling me that Proceedings to Re-Possess our house have commenced, and I am due in my local court at the end of May. Can someone please advise me here on where I stand. Does this need to go to court?, Can it go to court? - If I have offered payments to reduce arrears and argued the toss with them, how can this be the next stage. We simply dont want to lose our house and we are absolutley petrified with rage. Any advice, comments, tips would be MORE than appreciated. Many Thanks B Pool.

Well thanks for all the help. Ive cancelled the DD and had my local branch on. They were quite helpful, however they wanted a copy of the termination also. So Ive just faxed it them too. Ill keep you posted on all the developments....

Ok done my VT. Where do I send it? - Fax It? Email It? Post It? Do I do local branch or Head Office.

Thats fantastic, thanks for all the help. Can I ask where the standard template is for the termination is.

I was never told he would be getting commission? I thought he may, but was never informed. The car place was (carcraft)

credit for goods - 11,699.00 credit for insurances - 1000.00