I found this at a site,which applied to me at the time "Self Certification mortgages Were you asked to provide evidence of your income, for example, payslips or audited accounts that could prove your income? If not, were you encouraged to take out what is known as a ‘Self Cert’ or ‘Fast Track’ mortgage, where you didn't need to prove your income? These mortgage products paid far higher commissions and were very popular among some brokers for that very reason. If this applied to you, your mortgage may have been mis-sold." I was so mis-led

Last February my house was sold by Paratus amc with a shortfall of 88k,plus a 2nd mortgage of 22k to welcome finance It took a year for someone to contact me,I told them i couldn't pay as i was on pension credit and housing benefits I am trying to make ends meet by being self employed market trader but i don't make much money Lowel people have accepted £1 a month on a couple of loans and i have offered the same to other companies The ones that worry me are the outstanding mortgage and 2nd mortgage DCM are now handling the case with paratus and are investigating the way in which i gave the house back,I originally told them i couldn't afford the payments in Jan 2013 and said i wanted to sell up and ask for 6 months to do this,they wrote back and said fine they would help all they could,but 2 weeks later they said they were going for repossession as the arrears were to high,so i gave it back and left in June i have a valuation from an estate agent for between 220k and 230k as a selling price,and he said i would probably get between 210-215k,that would have cleared 95% of debts,they sold it for 158k I told DCM i was not happy with the way they sold my house ,so a complaint is going through the system now,and also the mortgage i was sold through a broker 1-2-1 mortgages went bust, was misleading so i have to get in touch with FSA I think,to get compensation I not heard from welcome but a 11k loan has gone up to 23k plus 88k =110k which i don't have what to do,I went for a small loan for my business through SWIG,who give loans to small business who cant get loans the normal way from banks etc,but i feel they will not lend due to this. sorry gone on a bit ,but thats roughly the facts

what will the letter contain then?

Hi All I have had a letter from Advantis credit control stating that there sre clients for the DVLA,claiming they want to verify my contact address,and its in relationship to a outstanding business matter as i have moved to Devon from Leicester,they had my address to send the letter and i have retaxed my van here to, any help please

Do you know what I don't know if I had PPI i don't think so but i will find out-I will ask them Another thing i had a £5000 loan from Lombard Direct back in 1997, after a couple of years got into trouble with payments after a short while they gave it to a agency paid them for years at £20 month then realised the amount never went down as I was paying,when i rang them they said your not paying enough to cover interest charges so i stopped paying-Lombard they re-sold the loan to idemservicing who tell me they be contacting me in December for payment the load is now 14 years old thanks for the quick reply i am sorry but i will be a bit of a pain in the arse over the next few weeks,as there is so much i want to sort out-overpaid tax credit welcome finance etc-you help me i will help you-lol

just reading this with some interest i had 2 repo tries from them when i went into arrears through job loss and being very old (60) my job choices seem to dwindle How do i find out if i have any bad charges i could recover with out upsetting them-I still have a position order on me and they just offered to consolidates my arrears I been charged lot of late fees solicitors fees etc I pay well over the odds interest charges link to labor rates My original mortgage was i think about 192k at 8.5% so for 3 years I was paying 1480 month interest only Would be nice to get the charges knock off my mortgage arrears should i feel lucky to still have a roof over my head just a bit of friendly advice would be welcome,after all bricks and mortar was my investment, not-lol