Hi Dx The fees are for everything from solicitors costs from failed eviction attempts to alleged doorstep visits that never happened, there's no arrears because they insisted that the account be brought up to date. The main thing they repeatedly did is applied for a suspended repossession order which they wielded like a stick even as recently as two months ago when I questioned disparity between my end of year statement and redemption statement I was told that they had a suspended repossession order even though my account had been ran in the black for over three years. Unfortunately I feel that we had become conditioned to fear Melanite and went along without wanting to rock the boat however now we're free of them I would like to have a go at getting some redress. Any advice on what I should do would be appreciated, I asked for our history 3 years ago and they eventually sent a cardboard box filled with stuff in no order and frankly pictures of the outside of our house intimidated us. Any suggestions how I should proceed or let it go ? Tony

Morning All I looked into what I needed to do and rather go to a solicitor I decided to deal with it myself, first thing I did was ring the land registry office and they were really helpful and told me what they needed which was me to submit a RX3 form for each of the restrictions along with a letter detailing why I thought the restrictions were no longer valid and any evidence which in my case was the Certificate of failure from when I cancelled the IVA. I also contacted Creditfix who bought Knightsbridge and they ensured me they would deal with it as matter of urgency....... I would have been better off saving my breath and asking my dog for help. The Land registry office gave notice to Creditfix and about 3 weeks later the restrictions were removed and I was able to complete my new repayment mortgage. I now no longer have to deal with the constant threat and intimidation dealt out by Melanite and Idem it's been a hard five years working two jobs but with loads of help and advice from you guys at CAG I'm now in a position where my credit file is healthy and my family home will eventually be mine. Melanite are a scourge and what we entered into 12 years ago was what we believed to be a temporary fix ended up costing us constant worry and probably upwards of 50k. The mortgage amount at start was 165k yet we had to pay 192k to be free of them. If anyone can advise how I can go after them for the amount of charges levied against me I would be very grateful ? Thank you ! Thank you ! Thank you ! I wouldn't have been able to do it without you guys. Kind Regards Tony

Hi DX That's the weird thing we only took out 1 IVA and it failed after 3 years because the repayment they suggested was ridiculous and hardly anything had been paid off. We've rang creditfix and the guy said its an oversight and he'll set wheels in motion to get it removed but we have little faith, I suppose we'll have to keep ringing until they do something. kind regards and thankyou. Tony BTW amused to death is a great album !

I Honestly can't remember what we signed but do remember that most of the debt we sorted out ourselves. Tony

Hi The restrictions aren't for any specific debt but for a failed IVA which we haven't had any correspondence with for about 7 years. However the conveyancer is adamant that we can't proceed with new mortgage till the restrictions are lifted. Tony

Hi Dx Good to hear from you again you've really helped us out in past ! Yes IVA and mortgage in joint names. Tony

Afternoon A very brief introduction: We've been with Melanite with an interest only libor rate mortgage for 12 years and had some horrible times including many threats of eviction etc. but have managed to claw back over 3 years with no missed payments and subsequently our Credit file is now clean enough to get a new repayment mortgage with a reputable firm, however the conveyancing solicitor has hit a stumbling block because there are 2 restrictions on the property land register from Knightsbridge insolvency dating from 2012 and 2016 we did have an IVA with Knightsbridge which we let fail as they weren't bringing our debt down and we felt it better to handle it ourselves. To our knowledge Knightsbridge are no more so any advise in how we remove the dispositions would be massively appreciated. The restrictions noted on the title are: 4 (23.12.2013) RESTRICTION: No disposition of the registered estate by the proprietor of the registered estate is to be registered without a written consent signed by Dean Smith of Knightsbridge Insolvency Services Limited (Co.Regn.No. 07236433) Thornley House, Carrington Business Park, Carrington, Manchester, M31 4DD. 5 (01.06.2016) RESTRICTION: No disposition of the registered estate by the proprietor of the registered estate is to be registered without a written consent signed by Michael Sloper of Knightsbridge Insolvency Services Ltd, Thornley House, Carrington Business Park, Carrington, Manchester M31 4DD. Kind regards Tony

Hi Andy So the lady at Idem has got back in touch with me and said that the default notice was sent out in error as "its something they have to do prior to escalating their collection process" and that she'll mark the account on hold until further notice but asked that I keep in monthly contact with them. I don't know what to think. Kind regards Tony

Hi Andy Yes 2014 is what I was told by the lady over the phone at Idem. Kind regards Tony

I can't ever recall anything from either Endeavour or Idem been on our files, do you think there's any mileage in trying to negotiate with them at this point ? Kind regards Tony

Thanks Andy But will this DN go on our credit files which is what I'm worried about as we've really worked hard to get ourselves in to a position where we can remortgage and would hate it if this scuppered our clean run. There's been nothing from Idem on our credit files previously. Kind regards Tony

Hi Andy Yes see attached doc. Kind regards Tony Endeavour agreement 10th June 2022.pdf

See attached Doc. Idem 10th June 22.pdf

Hi dx100uk We have spoke in the past, you and Ell-en were massively helpful in the past when I went to court with Redstone which I'm eternally grateful for. Would you mind if I pm'd you a copy of the "default" I've received because it looks official and I'd hate these bandits to pull a fast one. kind regards Tony

Good Morning A brief history ...... My wife took out an unregulated secured loan in both our names with a company called Endeavour Personal Finance in December 2003 for 45k In 2009 due to sudden and unexpected bereavements I had to have an extended unpaid period of leave which sent our finances into freefall, by 2014 I had the endeavour balance down to about 7.5k Idem servicing had taken over the debt by this stage and we were in dispute about how they were applying interest as Endeavour had agreed to freeze it while we either consolidated or re-mortgaged. Idem went quiet at this stage. In December 2019 I ended up in court for repossession with my main interest only mortgage provider Redstone and with the help of immediate family and the guys at CAG I managed to pay my arrears and stay in my house, since then I've kept on top of all payments and improved our credit ratings to the stage where we should be able to re-mortgage by the end of this year. Yesterday we received a default notice from Idem Capital Securities Ltd. dated on 1st June going into effect on 18th June 2022, if this goes on our credit files the negative impact will be devastating as due to our ages another 6 years in financial limbo would probably mean we'd never be able to get another mortgage. I rang Idem and after at least 20 attempts finally got through to a lady who said that she thought the Default notice was a mistake as she had it on file that we were issued with a default back in 2014 and that we couldn't be issued with two defaults for the same debt, I explained that we were hoping to re-mortgage and that they would be paid due to the second charge but that if they marred our credit file it would become increasingly difficult to settle the debt. It's been left that she's looking into it and will ring us back however I really don't trust Idem. The Idem/Endeavour debt has never shown up on my credit file. Any Comments or advice would be greatly appreciated. Kind regards Tony

Morning Guys I'm struggling to get anywhere with getting any further information from my Mortgage lender (Melanite) the balance on our interest only mortgage is now 15000 higher than when we started 12 years ago due to legal fees and charges because they've tried to evict so many times in past. My wife contacted the Ombudsman and sent a letter 5 weeks ago asking for the original copy of our mortgage agreement and any information they have on us but we've not had anything back yet. I think I should restart the SAR request and send a new request via email copying in the Ombudsman's office and send a copy by recorded delivery to Melanite, does anyone have a mortgage specific SAR template that they could let me have ? I'm now determined to do all I can to make sure that Melanite are held accountable for the years of bullying and the amount of stress they've caused my wife. Any assistance would be greatly appreciated. Kind regards Tony

I think it was just a general request so i'd appreciate an official sar please. kind regards Tony

Hi All Melanite still haven't responded to our request for original of mortgage contract or details of additional charges, should we resend a more official request ? if so can someone please send me a template. kind regards Tony

It was a letter asking for original mortgage agreement and details of all additional charges

We sent letter

Thank you all. How does the SARs work we’ve sent off a request to the Mortgage company who have said that we need to be more specific about what we want because there’s so much information ?

Ok Folks So this week has to be one of the toughest I've ever had but thanks to the help and support of Ell-enn I can now breath easy and I might even manage to get some sleep this weekend. I attended court yesterday for an application hearing with a circuit judge as I'd submitted a N161 form to appeal against the Judges order last week that the eviction should go ahead. On Ell-enns advise I submitted an up to date statement of facts which explained that I'd paid off the arrears and also had my house valued which showed that I wasn't in a negative equity situation I'd also printed off a copy of my bank statement which proved the payment had been made and also included the valuation from the estate agent, I emailed these to the court the night before my hearing but also made three copies of all of these items to take with me. The hearing was in an actual court room which initially I found intimidating, I'd taken along my brother for moral support and made sure that I was smart and presentable as I intended to represent myself. At 11.30 on the dot an usher came out and asked for all persons involved to go into court and then shortly afterwards asked to stand whilst the judge came in, the solicitor acting for the Mortgage company stood and recited the original order to evict and then it was my turn, I stood up and confirmed my name addressing the Judge correctly as "your honour" I asked him if he'd seen the updated statement and he waved his copy at me to indicate that he had It at this point I gave the Mortgage companies solicitor a copy of the updated statement bundle and was asked to sit down. About a minute later the judge asked me to stand up and said "You must have had quite a shock last week, you are not getting evicted from your home please keep up the payments, good afternoon and good luck " he then instructed that his order be worded that there was no need to appeal as the mortgage wasn't in arrears. This has been an awful experience for me as I suffer with social anxiety and get really stressed out being out of my comfort zone but the advice that Ell-enn gave me was absolutely fantastic and allowed me to conduct myself with confidence and credibility. Once again thank you so much for your help. Tony

Hi dx100uk Send me a pm and i'll forward eveything so you can also check out that i'm not missing anything... sorry if I seem paranoid but I really am that frightened of going to court on Thursday. kindest regards Tony

Morning Ell-en I've got some information i'd like you to have a look at but it's confidential can you let me know how I can send it to you. kind regards Tony

Hi Ell-en Thank you I’ll be in touch in the morning. kind regards Tony