40 minutes ago, Andyorch said:

Time to DSAR and get all the details ?

I wondered this, do you think that's best? Do we still have a standard letter for this?

These chancers were sold my mortgage some years ago. 

I'm looking at my annual mortgage statements and have noticed quite a lot of fees are on there. Just a total figure so I'm not sure what they all are. 

At times they have been charging me for Buildings Insurance despite me always sending my policy to prove I have it each year. Eventually they give me all (or some of it hard to tell) back each year. But I think they add it to the amount due each month as total monthly payment due. As I pay by card each month, I'm wondering if this has ever affected my credit rating as showing I'm not paying my full monthly payment (by their rules anyway).

I also don't know if they charge me interest of those insurance payments and if they have I've certainly never had that back.

My questions then are - it's a crippling interest rate currently as not on a fixed rate and I'm desperate to reduce this. Can I claim anything fee/charge wise back?

I think they have added other amounts to the outstanding balance as it's higher than the original loan, yes a small amount of arrears I'm currently clearing, but it looks as though fees might be in this balance too. How can I sort this?

Also I'm not on this artificial Libor rate. I didn't agree to it and it's very high and climbing by the month. Was anything ever claimable about Libor rate mortgages after the Barclays thing?

Sorry for long post. 

Ah after a bit of digging on here I found an old thread I'd made about this which actually has more info than I remembered.  So I was paying them but for some reason unknown to me at this point the DD I was forced to pay appears to have stopped and now they want money again. I could maybe afford £10 a month. Do I offer them that or just start paying it? 

Hi 

Early 2018 a CCJ was obtained against me. I wasn't working at the time and going through some health stuff and they got the CCJ without me fighting it on an old cc.

No enforcement until the past couple of months when they suddenly decided to start harrassing me to start up payments. 

Most recent email says they are thinking of moving to enforcement action. No idea why this has come out of the blue but with the cost of living crisis I barely have a penny to offer them. What should I do?

I think it's possible I might have made some payments but this would have been some time ago. Could they be adding fees to the balance or anything?

I've seen mixed messages as to whether it's safe to go after current lending, but they sold the mortgage to my current lender, so presume this won't affect that. 

Do I start with a SAR? 

Assume I'm looking for arrears charges, any unagreed counsellor visits. Is there anything else? 

I'm not hiding from any debt, I never said that at all? 

I've lived in my house for many years so any outstanding debt has my current contact details but some historic ones I haven't heard from in years. I just wondered if it is likely I will suddenly get an influx of chasing old debts if I get a credit score check done. 

Ah OK, thanks anyway. 

In which case a follow up question. I had a mortgage with Future Mortgages which got sold to my current lender. There are charged on that one too. Could I go after Future Mortgages as I've never approached them before? 

Hi, 

2022 is the year for me to try and sort my finances, so I was wondering about getting a credit score check done. 

I don't want to be a Tin Hatter about this but is there any risk of old debtors suddenly chasing me of I get a credit check? I've heard horror stories but never sure if they are true. 

Also which company is the best for a free check. 

Thanks in advance 

Had a Mortgages Plc mortgage some years ago. Probably 2004-2009ish. There were a lot of charges on there I believe. I did SAR them years ago and sent a letter asking for fees back but they said no and that this was the end of it. 

Would I be able to try again as it seems many have reclaimed over the past few years successfully? 

Many thanks 

Thank you, that is really helpful advice. He paid Goods and Services. I have all the messages we exchanged. Hopefully it will be fine, I just thought it dodgy that he's already saying he will send back if he's unhappy before he's even got the book. Why not have those conversations first. 

I have another book to sell too and already have quite a lot of interest. 

So am I best sending extra pictures of the condition to each interested person and making it clear it is sold as shown in the pictures and I won't accept refunds? 

Hi, 

I have a couple of books that have suddenly shot up in value so I have listed them on Facebook.

One I listed as Offers because I wasn't sure what to price it as and included a picture and listed as "Good condition" 

The other I listed a price, listed as acceptable and put an extra picture of a small tear to the book. 

This morning around 9am a buyer messaged me, he didn't ask for more pictures or questions just offered me a price. I was happy, accepted the price. He paid straight away and I packaged up and sent Special Delivery as I just had an odd niggle in my mind about it. Not being a big seller on FB 

Tonight at 5pm he suddenly out of the blue said he hoped the book was in a very good condition otherwise he would be requesting a refund. 

Hmmm... I replied saying I had listed it as good condition not very good condition and that he had offered a price, if he had wanted any further info prior to purchase I would have happily supplied pictures or answered further questions. 

He's come back again and again saying I seem not to understand how PayPal works and if he is unhappy with condition he will get his refund. He hasnt even received it yet and he's scamming me I suspect! 

So what do I do?

I looked an Abe books for their condition grades and a good condition book is described as average used worn book with no pages missing. Which fits my book exactly. In fact even their very good condition probably applies as that says no tears to spine and shows minor wear. 

Where do I stand?

He also says he's seen it on Ebay for half the price now.

So what? Isn't that just down to his own failings not mine

Thanks. I am just looking at their form online and it's horrendously invasive.

Way more than I think the court form was.

They want how many dependents I have (which doesn't take into account a child over 18 but in higher education so we still have them as dependents.

It also asks and this I really dislike how much our house was at purchase and now etc.

Can I refuse that?

I'm also struggling to price things like dentistry, hobbies. Stationery, house repairs, vet bills, hairdressing.

What on earth do people put as cost for those? Haircuts aren't a monthly thing for us and how can you budget for some of the others?

I'm so scared the bailiff will turn up tomorrow.

This is making me ill.

I expect to pay back the debt but they are asking way too much and will not she any compassion that I was late due to a bereavement.

I'm happy to set up a direct debit and pay off the debt but at a sensible amount as we are such low income.

Could I also ask for help composing the letter?

Would the following work -

Dear Sir/Madam

Reference:

Earlier this year we completed a N245 form and asked for a suspension of the warrant regarding the above claim.

We completed an income and expenditure form and offered to make a payment of £xx.xx per month, which we knew we could just about manage.

We were granted a suspension but at a high figure which we did query but were told it was down to Restons to agree if we required a lower amount.

At first we managed to pay the amount but in September our mortgage went up at the same time our benefits went down.

The drop in income is now making it harder for us to pay the higher amount.

I am writing to ask if it would be possible for the court to grant a further variation due to the above and return the amount to £xx. Xx per month which we believe is more manageable, pursuant to CPR40. 9A (2) and 40.9A(3b).

In addition we received news that a very close relative was terminally ill and due to having to nurse them and deal with their subsequent death we were behind on recent payments. Although we have now cleared all arrears Restons solicitors have been granted the removal of the suspension. We would ask the court to???

Yes and I can't quite remember the wording but it was something like having reviewed our I and E Reston wanted it set at the higher amount and the court agreed. Which seemed stupid as we clearly have nothing left to offer and in fact since then our mortgage has gone u too. The court woman said if we didn't think it was acceptable we should tsk t Reston again. Great...

Thank you so much

Thank you for your reply.

I can't remember the number but it was to suspend the order and arrange a monthly plan. The court suspended the warrant and agreed the monthly figure. Although it was higher than I had asked for.

I didn't defend it because they had already obtained it by the time I found out about it.

Hi

So long story short -

Had a Vanquis credit card on which the credit limit just kept going up.

As we were on low incomes the debt gradually went up and up and we ended up owing about 3500.

Cabot took over the debt and began chasing,

eventually it seems Reston got it and the next thing we knew they had gotten a warrant of execution.

We managed to get that suspended by filing in whatever form it was.

We offered an amount per month but the court agreed a figure around 20 per month higher. Manageable or only just if I'm honest.

I was paying over the phone but a close relative was unexpectedly diagnosed seriously ill and subsequently died recently and I've missed a couple of payments because I was at the hospice endlessly and in a state. No excuse I know but there you go.

I had a letter from the court to say they will now execute the warrant and a bailiff will call.

I called Reston to explain and paid the missing payments over the phone. They say they would consider a repayment plan but now want a I and e form. Completed again before they will consider it.

I'm trying to pull the figures together ASAP but now I've had a letter from the court today saying a bailiff could call as early as tomorrow.

Please help.

Can I do anything?

I can just afford to pay the amount they got per month and will set up a direct debit but will they agree or is it too late?

Do I fill in the I and e form. Or are they just fishing for more cash

Hi, did you put anything other than essential expenditure on the form? i.e. cigarettes or hobbies etc ?

No we don't smoke, drink or do anything really so there was no overspending. Because there genuinely is no spare cash with a family of five.

Have you queried why the court as set a figure that exceeds your I&E and you cant possibly afford to pay it ?

No I didn't want to speak to them until I'd had some advice. I was so shellshocked as it's double what we offered.

Who says the balance doesn't have Rop or charges that can be reclaimed

Hi

I was wondering if you have any ideas what my next step should be?

Many thanks

Bumping for support please? What should I do now?

I've heard back and thought the creditor didn't accept My offer the court has suspended the order as long as I pay £56 a month!

So double what I offered.

Can they just so that?

My I & E clearly showed I don't have that kind of money

Who says the balance doesn't have Rop or charges that can be reclaimed

I'm pretty sure there were lots of charges towards the end. But as its already been ccj'd would I have any comeback?

have you allowed for emergencies in your I & E its better to offer £15 than £30 if that really puts you on the edge

Yes, I've allowed myself £20 in there under housekeeping. I want to explain to them that I hope this will eventually go up once I'm well enough to find full time work again. Even if they could accept this for the first few months.

Oh I see. Although it's taking pretty much what I have spare each much I want to get as much of it paid off as I can. Im trying to see whether I can get back money I have leant to family a couple of years ago to give me a little to offer as an initial payment too.

I wish I had never gotten involved with Vanquis. The interest rate was absolutely jaw dropping anyway and I was the classic case of them constantly raising the credit limit. Still lesson learned...

I've submitted the form and now I am a nervous wreck waiting for the response.

Sorry you mean you think there is less than 50% chance they will agree to it?

What should I do then?