I bought a house off plan in Dubai (I know, I know..) which needless to say was delayed by 7 years! I have a mortgage with a UAE bank and was paying interest only on the loan as payments were made as the project slowly developed. I left the UAE 3 years ago as I was getting into financial difficulty trying to pay the interest on the mortgage as well as spiralling living costs for a family of 4. I was afraid of getting trapped in the UAE should I default on any payments when in country as we are all aware of the severe and disproportionate penalties that can be imposed for lack of repayment. I was chased by the back for the payments but simply did not have the money to meet this commitment and was 'advised' to ignore it, which I have done for the last 3 years. I have not responded to any correspondence from the Bank in the UAE or any of the Debt collection agencies that have been hounding me in the UK. However like may on this site I have now been 'approached by Coyle White Devine (CWD) with one of their standard letters detailing that I am required to pay the full amount of the mortgage within the next 3 weeks to avoid Court action including bankruptcy. Having seen a number of threads on this forum I am slightly concerned as the outstanding debt is a sizeable six figure sum. It seems to me to be unreasonable to request the whole of the mortgage to be repaid as there is now finally an asset in Dubai, that could be sold to diminish the debt. Moreover I am currently out of work and have next to no income for my family to survive on and it is only due to a generous family benefactor that I have my head above water. The question is that having avoided all correspondence regarding this debt to date, should I now open a dialogue with CWD, as it appears that they are again nothing more than glorified debt collectors, or wait to see if it becomes a legal action and then deal with it accordingly. Any opinions would be greatly appreciated, as I cannot afford to take professional legal advice at this time and am really concerned about bankruptcy as I have a wife and 2 young children to consider.

Hi. I seem to be having trouble with the above company with regard to interest rate, increasing monthly payments and charging £50 per month for being in arrears without an agreement. Is there anyone who has had or still has a loan from kensington secured on there house. If so can anyone tell me what the svr was on their loan in March of this year. Also does anyone know whether one can obtain a written statement of kensingtons svr for the last 5 years? Has anyone had their mortgage payment increased even though there was no increase in the interest rate? Has anyone successfully reclaimed the £50 charges and if so how does one go about it. I know this is rather a lot of questions but it would appear that second mortgages are not covered by the FSA and therefore help from them seems not to be forthcoming. many thanks

An agreement was made at Court with the mortgage company to sell the property within 3 months. A money judgement was made for around £183,000. We could not sell the property within this time so we asked the lender for more time. They agreed to 3 more months and also informed the court in an effort to save costs. The house was sold within this time - it was actually 3 days over the original time given on the Court order. By the time the mortgage was redeemed, they added over £9,000 in costs to the mortgage account. I have heard from one source of legal advice, that if the house was sold within the time allocated, that the mortgage should only be redeemed for the money judgement amount. Is this true?? We have taken this to the FOS - at one point they said the mortgage company should repay the £9,000 and take it back to the money judgement. However they have come back with a pitiful offer amount, siding with the lender. If anyone can shed any light on this, or need some more info, please post. Thank you

Hi I have pasted a letter that I have written. Basicly I am not sure if this is the norm but my Mortgage company are charging me £50 for each month that i am in arrears. I have currently got an agreement set up with them via a court repo hearing and it turns out that I will apying the arrears for 5 years and the whole time they are charging £50. So I have decided to complain to the FSA for unfair contract terms and if they have a go at Kensington then I can apply to Kensington to stop charging. Well thats the plan anyway. Can somebody look at my letter please and see what you think before I send it Also if anybody else is in the same position feel free to send it aswell. The more the merrier. The Olives Our Street Our Town ESSEX AC12 3CD 1st March 2008 Dear Sir/Madam I currently hold a mortgage with Kensington Mortgage Company. I am writing to complain about one of their terms and conditions. I have enclosed a copy of both the terms and conditions of this mortgage and a copy of the loan agreement. In section 4 Key information it states the default charges. The first charge is a £50 monthly arrears fee. On both the agreement and terms and conditions this is the only place it is mentioned. At the time I felt this fee was for missing a payment. I am now in arrears and have since discovered that in fact this fee is charged for the total length of time you are in arrears I feel this is unfair because this is still charged to the account even if you have come to an arrangement to pay the arrears. For example if I owed my mortgage company £500 and I offered them £50 a month for 10 months to clear the arrears my mortgage company would be continuously adding £50 to the account for those ten months. Therefore the payments I had been making would not have really cleared the arrears and it would take me a further 10 months to get the mortgage to what it should be. By adding this charge to the account they are also receiving interest from their own fees. I also see this as unfair. I asked an advisor from Kensington about this charge and she said it was for the additional work involved in running an account that is in arrears. Even if the account with its payment towards the arrears is being paid on time each month they still place this charge making it very difficult to clear any debt. Myself and many more feel like this is a penalty. Therefore I would very much appreciate it if the FSA could look into this matter. Yours sincerely

hi everyone recently had property repossessed by nram and left with shortfall. shortfall now settled and account balance is 0. my question is now the account is settled can i still claim back all of the ridiculous charges and fees they applied to the account, over the last 9 years? cheers

Hi In 2005 I got the following: Together Mortgage £113000, Picture Loan £33000, Welcome Loan £21000, RBS Debt totaling £25000 credit card debt totaling £ 9,000. PAYDAY LOANS total £1200. I was in great despair as I was going through a divorce had an ectopic pregnancy and lived in a house half built. I was off work due to ectopic pregnancy and was losing money fast. On top of this my step daughter came to live with me and I was trying to help her through college etc. My ex husband was very nasty and he was due to leave the army and I got frightened in to not taking any of his pension that I deserved for giving up my career to bring his daughter up. He cashed in all our joint policies and left me with nothing but debt. I was in despair literally and had a breakdown turned to alcohol (not badly but enough). I then tried reading self help books to try and change my mind set. I wrote myself blank cheques to all the people I owed and had them on my wall so that I could visualize on attracting money. I won £3800 from a 10p bingo ticket then I got a windfall of £32000. I cleared the credit card debt, got the house finished and reduced the welcome loan to £9000. I still owe the rest, I got the RBS loan secured against the house to free up monthly spends. My house is now worth £136000. I was annoyed though as I have paid over £37000 to IDEM not realising that to settle I need to pay another £42000!! I was younger stupid and scared. I have now rented out my house and I am living in a room, I have started my own company using all the skills I have and have enlisted friends to help me with their trades (I take a small percentage from them as I get them work). [EDITED] It is about visualizing and felling the luck and wealth. It takes only 16 seconds to vibrate mentally and put good thoughts out. I do not ask to win the lottery e.t.c but I try to create ways that I can help myself out of the mess I got in with money. [EDITED]

I have a mortgage shortfall on my credit file..... this has been on my file for approx. 3.5 years and I haven't had the chance to dispute this amount as yet. (I had a buyer that the mortgage company refused to sell to as I would not sign an "acknowledgement" of the "£64k" alleged debt). If they had accepted the buyer, then this debt would have been approx. £18k, but they decided to proceed with the repossession (negative equity/shortfall) and this resulted in this amount of outstanding balance of £64,000 They have written to me a handful of times over the last 3.5 years but no action via the court as yet. As I want to deal with my credit file, would it be wise to instigate communications with them so this amount can be defended & settled via the court?

Hi As one stress is relieved sods law another takes its place I have a mortgage interest only - but due to bad paperwork (by broker) the term of the mortgage was reduced didn't realize at the time as he handled everything. Naive I know ! Anyway situation as it stands I have 6 years left to run on my mortgage and have received a letter asking me how I am going to repay amount by end of remaining. I have only just got back on track as it were due to ill health I had problems meeting payments but for the past 3 years all payments received in good time. My questions: Can the mortgage company back out of mortgage before this 6 years period i.e if they are not happy with my response can they force a sale. They have asked for evidence of payment arrangements I can't provide this as I receive benefits payments and remainder being paid by mother in law. Do you think they will allow me to extend term of mortgage? I have thought about changing the sum of mortgage that is interest only i.e split amount owed into 3 and put one third on repayment and remainder on interest only? I can only do this if term extended or I will not be able to meet contractual repayment. And if I suggested this to them would they again ask me for evidence? I am so stressed this is the third letter I received and I have to respond but my stomach is churning my brain is on shut down mode Help me Please OSW

hi there, looking for a bit of advice, or to know if something could be possible.... my partner and i (unmarried, 4 kids, been together 20 years) currently have a joint mortgage which has recently changed from being fixed to being on a tracker. we can happily afford the payments at the moment but we're worried about rates going up in the next few years and would like to be on a fixed rate again. the flat we own we are currently renting out, the mortgage company know this but they haven't changed it to a buy to let mortgage as yet. we are renting the house that we currently live in, been here for a year and a half. so, we want to remortgage, but we have issues with our credit history (hence why the current mortgage supplier won't let us have a fixed rate again at the moment)....looking at experian/equifax, my partner's credit score is fair but mine is "really poor". there are some ccj's (5) on there and some late payments for a mobile phone, last late payment is 24 months ago, the most recent ccj is 2012 and been settled. what i'm wondering is, is it possible to remortgage only in his name? as we have a joint mortgage now are we financially tied and they will still check my credit history? we are now in a better position financially, house is worth approx. 175k, mortgage will be for 100k. he earns about 1.8k after tax and we now have the rental income which is 1k a month, the rent here is 745 a month....not that i want it taken into account but i earn 600 a month any advice, point of view welcome the ccj's are in both our names thanks, claire

Hi I am trying to obtain some help for some close friends who naively accepted a 100% interest only mortgage about 8 years ago with no capitol repayment plan put in place. They bought the property in Scotland at peak price period. It is a sought after area outside Glasgow 5 min walk to a station with a 15 min commute into Glasgow City Centre. The area has been a low turnover in regards to property sales but downside has been an elderly population who have lived there all their lives. Over the last five years a significant number of properties have hit the market from deceased or elderly moving into homes. Some of these properties have required significant modernisation due to the older generation not updating the properties. This has led to average prices falling and bargain prices on those properties. Naturally most have been modernised now but this has impacted on local values in terms of a falling average sale price. Basically my friends need to rid themselves of the interest only mortgage but are concerned if they approach the lender who discovers there is no capitol repayment plan in place it will have a negative impact and could result in the mortgage being called in. The have had hefty loan and credit card debts putting children through education but now the children have left home and work, they have concentrated on paying off these debts. There is no question they can afford to make the repayments on a standard repayment mortgage given the amount of other debts they have cleared. The downside is the property is in negative equity and a general read through the internet does not off much hope on them being able to remortgage. Loan aprox £135k value of property £100-£120k depending on valuation. They are in need of replacement windows and a new kitchen and possible rewiring which may impact on any valuation. I guess I am seeking any opinion that may help me to guide them. Sorry for the long post but any advice would be helpful. I think the broker who sold the product didn't reinforce advice about capitol repayment.

Hi all, Currently have a claim in with the FOS over a mortgage PPI claim back in 1987. This in on behalf of my father (who was alive 2-years ago when he submitted the claim) but has now died. I am continuing it on behalf of my mother. I have today received a rejection letter from the FOS stating that they don't think the policy was miss sold and that it was suitable for my father who was self employed. When we made the claim my Farher distinctly recalled that he was told he had to have the policy otherwise he wouldn't get the endowment mortgage when he tried to make a claim on the policy, as he was self employed, he was told he would have to renounce his company with HMRC etc in order to make a claim. There's little we can do about the issue of being 'forced' to take out the policy on the threat of next getting the mortgage, but hopefully there is something I can do about the policy not being suitable for a self employed person. I attach the front page of the mortgage PPI certificate which Halifax have provided to FOS unbelievable, they cant find the rest of the pages which I assume would say under what circumstances a claim can be made - I know its a long shot but does anyone have a copy of the rest of the document - which I assume will be general terms and conditions. Thanks in advance.

Hi, I contacted SHELTER SCOTLAND regarding Calling up notice in Scotland and they gave me a very good information .Below i have paste the information from Shelter Scotland for fellow Scots who's been threathend Repossession by the Bank. Dear .............. Further to our telephone conversation I have the following information for you. I note that you wish to challenge a Calling-up Notice on the basis that RBS have so far failed to provide you with a breakdown of the money due by you. There are two legal provisions to consider at this stage. There are two legal provisions to consider at this stage. Firstly, under Section 19(9) Feudal Conveyancing and Reform Act 1970, upon receipt of a Calling Up Notice, a debtor may request a ‘statement of the amount as finally determined.’ This must clearly be in response to the debtor having received the Notice, as opposed to a general request for information, Bank of Scotland v. Flett 1995 SCLR 591. The creditor must respond within one month from the date of serving the Calling Up Notice (s19(9). Should the creditor fail to comply with the request, the Calling Up is of no effect. Should they provide the statement as requested and within one month of service of the Calling Up, the notice will take effect. The debtor nevertheless has the opportunity to attend court or be represented, and she may have a Pre-Action Requirement defence as follows:- It is also possible to raise court proceedings for suspension of a Calling up Notice, however this would be where the existence of the debt is disputed and not for a dispute as to the level of the debt, and the breakdown of the various component parts- interest, charges etc. Secondly, under Section 24A(2) of the Feudal Conveyancing and Reform Act 1970 which covers the Pre-Action Requirements creditors are now required to provide the debtor with clear information about:- (a)the terms of the standard security; (b)the amount due to the creditor under the standard security, including any arrears and any charges in respect of late payment or redemption; and ©any other obligation under the standard security in respect of which the debtor is in default. The Applications by Creditors (Pre-Action Requirements)(Scotland) Order 2010, Article 2 states that (2) In providing the debtor with clear information for the purposes of section 5B(2) of the 1894 Act and section 24A(2) of the 1970 Act— (a)information about the terms of the security must include a description of the nature and level of any charges that may be incurred by virtue of the contract to which the security relates if the default is not remedied; and (b)information about the amount due to the creditor under the security, including any arrears and any charges in respect of late payment must be broken down so as to show— (i)the total amount of the arrears; and (ii)the total outstanding amount due including any charges already incurred. (3) For the purposes of those sections “charges” do not include any expenses for which the debtor is personally liable to the creditor by virtue of paragraph 12 of Schedule 3 to the 1970 Act, as read with section 11 of that Act(1). (4) The information required to be provided to the debtor by virtue of those sections must be provided as soon as is reasonably practicable upon the debtor entering into default. It is not entirely clear whether this requirement to provide clear information applies both before expiry of the Calling up Notice and after expiry. In any event, it would be advisable for you write to RBS or their solicitors requesting this information before service and after expiry. Should the creditor fail to comply with the Pre-Action Requirements the action would be incompetent. If you receive court papers you should take legal advice as soon as possible. Helpline Adviser T: 0808 800 4444 Shelter Scotland Glasgow Advice Service 1st Floor, Suite 2 Breckenridge House 274 Sauchiehall Street Glasgow, G2 3EH

Hi Guys New to the forum, so hello! Currently looking to source a new purchase mortgage, and had narrowed the choice of with HSBC and Leeds BS. Just to be sure there were no issues with the applications I signed up to Experian and Equifax to take a look. Experian 940 Good / Equifax 463 Good - so naturally didn't think I would have any problems moving forward. Went to see HSBC on sat, they did a very quick check and gave us an AIP - then spoke to Leeds this morning who said they would run a check for an AIP. They called back to say I had been declined due to adverse credit on my Equifax report, she couldn't go into detail over the phone, but I explained about my scores and she asked me to send them through and she would take a look, I also asked for some feedback to point to what she thought was the problem. Now I can't see anything untoward except for an AP on my NatWest Current account from 2012 - the circumstances are NatWest was my main current account and I always had an authorised overdraft of £500 - In early 2012 my partner and I decided to use her account as a joint account (HSBC) so all my salary went there. I didn't automatically close the NatWest account as I thought you never know! I was still being charged for the advantage gold fee and interest on the authorised borrowing, then I received a letter from them asking me to get in touch about unauthorized lending, turns out the account had gone over the £500 limit and charges were being added. I got in touch with NatWest and they took me off advantage gold, and refunded the charges and then I set up a direct debit to clear the account. So the question is, how likely is that the actual issue, and how do I get that corrected, also will HSBC look at that too with a full application and think it's an issue also. Any help or advice would be hugely appreciated Neil

Hi I am after some advice please. I currently have a mortgage with santander they won't give me any special deal as I have debts. I have never missed a mortgage payment though. I currently have 2 accounts with santander and they have changed the overdraft charges which means I am being pushed further into debt. Would santanader be able to put me on a payment plan and freeze the interest on these bank accounts or be able to add to my mortgage. I have already opened another bank account to put wages etc in with another bank. Any advice is appreciated. Thanks for looking greenk04

Hi I hope this is the right forum for this. I am the sole executor for my late mothers will. The benefactors are me and my brother who resides in the property. There is one small debtor. The will is clear. The estate is to be divided 50/50 after debts etc. My brother has a poor credit history. My brother has applied for a mortgage to buy my half of the estate. We have agreed on a sum. One lender refused his application because of his poor credit. Another lender would only lend him the money if the title deeds were in my (the executor's) sole name. The third lender would only lend him the money of the title deeds were in his sole name. I am reluctant to transfer the title deeds either way as I see it as an administrative exercise and an unnecessary expense and neither of us are protected. Has anyone any experience in this type of problem before? Thanks Regards Lenn

I want to apply for a mortgage following a period of credit file clear up and wondered what my chances would be with the following: Me: I took some poor financial advice and decided to stop paying some unsecured debts in 2005/6, these defaulted, went unpaid and became statute barred in July 2013 and dropped from my credit file the month after. This leaves me with a 3 clean accounts and a Noddle Score of 4/5 and a Checkmyfile score of 789 - outside this I have a good job and can get together a 20-25% deposit with everything being affordable. Partner: Clean file, recently approved for vehicle leasing finance. As I understand it my visible credit history would be fine with the defaults / debts not being visible on a credit search, however the credit score could work against me? Would I have to declare these debts on the mortgage application? Would I be better going to a building society who manual underwrite mortgage applications? Any advice would be greatly appreciated

We took a mortgage out with Northern Rock in 1999 for 125k. We then took out a secured loan with First Plus in 2006 at which point the property was valued at 240k, with the secured loan we took out PPI. At the time we only wanted to borrow 30k. a rep came to the house and we ended up borrowing 50k plus with PPI payments on top, the money was to pay off 20k student loan, a car loan and some credit cards. We could easily afford the payments, as my wife is a teacher and myself a building surveyor, our income at the time was approx 80k per year. In feb 2009 I was made redundant, at the time I was on a rolling 12 month contract, I was made redundant as a direct result to the credit crunch. at the time we had 7k in savings, so for the first few month we were able to meet our obligations, when I realised that there was no chance of obtaining employment, I approached both lenders to negotiate lower payments. NR said they would look at lower payments only if FP would undertake the same, contacted FP who said we should claim on our PPI, this was about May 2009. As I was first named on the PPI agreement, I did not think there would be a problem. About 4 weeks later a decision came back and they refused my claim, I could appeal, I had to send information to Barclays in the Republic of Ireland. it took nearly 3 months for a response, again refusing to pay our PPI claim, citing that I was not the first named on the document, but here in front of me was a copy of the agreement showing I was first named. I contacted First Plus about lower payments, they responded by saying that they could not lower payments as the rate was linked to LIBOR. Which at the time was 8.6%, BOE rate was 3.5%. This was the first time I had heard of LIBOR, as I thought interest rates were BOE related, they then said I was also in arrears and could not discuss the account until the account was brought up to date. We where still making payements to both NR and FP of approx 60% of the monthy payments, NR asked us for Income & Expenditure statements, we filled in approx 4 from Nov 2009 until Aug 2010. NR finally responded and said the calculated payments for I&E statements came in to low and that they could not accept (came in at £600 per month) full payment should have been £1100. FP would not consider a lower payment, we where paying £300 (50%) of the monthly payment of £600 per month) Aug 2010 we received a summons from the Court for FP for repossession, a couple of weeks later a summons for NR, about this time I managed find some employment on a zero-hour contract working nights at a hostel for the homeless, (ironic), The case went to court for FP, at which the judge threw out because of the issue of PPI, The first case for NR was adjourned, FP sent another summons, and we also received another court date with NR which was first, the case was on a monday morning 18th of October, 2010, the wife had not been involved with the court cases as she had been off work for about 7 months with depression, at the time I didn't think it wise to have her involved with court, I had just worked 4 nights in a row, the court case was at 09:30 in the morning, I got in from work at about 08:15, had a brew and subsequently fell asleep in the chair, by the time I woke up it was to late, the case had been heard in my absence, with NR given a possession order for the 18th Nov, 2010, We subsequently found rented accommodation and left the premises on the 18th of Nov in compliance with the repossession order, I contacted Norther Rock about the house keys, all they said was to keep the house insurance in place which we did, we gave NR our new contact details, we heard nothing from NR until March 2010 saying bailiffs where coming to take possession of the property, and they would be there I think 10.00 am in the morning, when I arrived at the property one of the neighbors came out and told me that there had been a burst pipe in the property in the December, he and another neighbor broke in and turned off the water, but significant damage had been done, I waited for the bailiff to arrive before entering the property, the kitchen ceiling and all the kitchen units had been damaged, the property had been valued at 240k in 2006, NR sold the property for a 135k leaving me with a shortfall of 100k, Any one have any advice regards procedure. FP returned 13k for PPI. Points FP did not pay PPI causing subsequent problems. FP claimed interset payments where linked to LIBOR, FP are a subsidiary of Barclays who have been found guilty of manipulating the LIBOR market. NR had a possession order for the 18/11/10, but did not take possession of the property until march 2011. I dont believe either company followed government guidance at the time in terms of repossession. I'm working again as a building surveyor and my wife is still a teacher, we are in rented accommodation with no chance of obtaining a mortgage. any advice on the above welcome, especially any legal companies who may speacilise in this area

Hi, sorry if i havent posted in the correct place. i have applied for a mortgage everything has been accepted subject to a valuation. we are buying a house of my inlaws for about £35000 less than its worth. valuation was done this morning, my mortgage adviser said he will chase them tomorrow and then wait and see what they offer. what i want to know is...what does he mean by offer? i have been told that i have been accepted subject to valuation and have even received paperwork advising me of costs and monthly payments direct from the Halifax. never bought a house before so just worried, can it go wrong now? thanks

I’d appreciate some help and advice on my position here if possible. I recently moved house and at the same time changed my mortgage arrangements. At this time I had a HSBC mortgage and then took a new HSBC mortgage for the new property, with the old mortgage being settled as a result. HSBC has charged me an early repayment fee on the original mortgage citing their Ts & Cs. Initially I raised a complaint about this over the phone to which I received a response in writing. Subsequent to this I have tried to enter into a correspondence with them asking them to answer 2 questions which are the basis of my complaint. They responded to this letter by referring back to their original response and not answering me and referring me to the ombudsman. I’m feeling pretty aggrieved having personally been a HSBC customer for 19+ years, having x3 current accounts, a credit card and most recently a mortgage (with the all accounts are in good credit) – also not least of all their dismissal of my last correspondence which is not least of all very rude and poor customer service. I would like to some help & advice on my position if possible on the following 2 points: 1) 1) The original Ts & Cs state that if I redeem the mortgage within the specified period then early repayment fees are applicable unless I take a new HSBC mortgage for the same amount, term and rate. It also seems to imply that the new mortgage should be the same product type (i.e. fixed, discounted) but to me it does not 100% read this way. My new mortgage is technically a higher amount, longer term, higher rate but a different product. Is there any movement on the Ts & Cs or how can I challenge this. 2) During the mortgage application process (online) there was no alert or warning to advise of the possible charge being applied if I did not select a similar product (even utility and other service providers would do this). Post application I received a letter stating that the original mortgage had received a redemption request from the new mortgage and that the amount was satisfactory to cover the balance. The balance of the account was stated with no fees included and no warning of a possible charge for early repayment. 2) 2) Lastly, during the conveyancing process, the solicitors acting for me were sent a redemption statement. This statement was not sent to me by HSBC nor shared with me by the solicitors – the solicitors provided me a completion statement which showed the net figure to redeem the mortgage but not an itemisation as sent to them by HSBC. My questions here is should HSBC have alerted me to the possible charges and provided me directly the itemisation of the redemption including the fees and as such how can I challenge this? As a note I had another mortgage with the Newbury before moving to HSBC and they provided both me and the solicitor with a redemption statement. Any help and advices would be greatly appreciated Merv

Hello my situation is as follows. I have recently managed to pass the 6 year mark on most of my two relatively small debts. I have a CCJ that was paid but remains unsatisfied on my CRA that is just over 5 years old. My partner and i are looking to apply for a mortgage we have as a deposit £17 - £20,000. I was thinking about the CCJ and i remember years ago i was sent a letter by Northumbria water threatening to take it to court and i managed to prove that it had been paid. Could they have still sought judgement on this? I have no paperwork left to prove that i paid it, but it was at a time when i was living with friends in student accommodation and because they were late getting their chunk and i didn't have the full amount we got the late letter and CCJ threat. I would ideally like this to come off my CRA file but at the least have it satisfied, i was annoyed that it is in just my name as their were 4 names on the account. I would appreciate any help and advice in how to move forward so that my CRA file can be in its best state applying for a mortgage.

I have issued a County Court Summons against Barclays Mortgage Service, PO Box 8575. As they failed to respond I have entered judgement against them and a warrant for full payment was attempted to be issued by the bailiff, because we only have a PO Box address the bailiff is unable to execute the warrant. Does anyone know the real address for this office in Leicester ?

Hi all Me and my partner are currently on a joint DMP with Payplan (in the sense my outgoings to PP are noted in the household outgoings for me, and vice versa) We currently rent a private property and all income/expenditure is based on this place. Her folks are moving abroad and can't sell their property, so asked if we'd like to move in there for the time being. It's a larger property than we currently rent. They won't agree to a tenancy agreement, but will agree to a Licence. In this Licence, it will stipulate they agree for us to live there until they return from abroad, and will lay out what we are expected to pay. This will be the mortgage and all associated bills (everything, basically) as one lump sum payment due on the 1st of the month. This will be drawn up by their solicitor. My issue is they want to keep all bills in their name, and for us to merely pay them an amount to cover their outgoings. The licence would presumably be subject to change as things like gas/electric goes up and down. I approached PP and asked for advice but they were unable to comment on how the DMP may be affected by this change. I don't need to move, it would be fine to remain as we are, but we'd be helping them out by taking over the place and covering their outgoings (mutually beneficial arrangement) I'm just worried things will go south if we go ahead, a creditor might take exception to this and we can't prove our outgoings aside from the agreed payment as per the licence being paid over monthly to the parents. I feel its a non starter, but I worry too much as it is to be quite frank. Can anyone see any issues or offer any advice? If we move in and the DMP falls apart we couldnt resume the contractual payments on the debt. I don't think the move will cost more than we pay now, as their mortgage is less than our rent. The extra on council tax and utility bills will just about balance things out - so we're not saving anything by moving (may cost more). I'm just unsure it is a good move when on a DMP given the circumstances and would appreciate any input! Cheers

Hi All, I am on JSA and I have had a letter from the DWP reminding me that the support I get for my mortgage interest is expiring as they only pay for this 2 years. Q1) I assume that whilst I am signing on, they will never now start paying it again? Q2) How long do I need to sign off before signing back on before they will start paying it again? Im hoping to get some contract work shortly - I'm more worried that one day I will need to sign on again and be skint and not get the help? It cant be a "2 years out of a lifetime" surely? Thanks, James

Hi,I recently just paid off my IVA six months early and I'm coming off my interest only period with NRAM who to be fair have been good enough to stick to it but in three months I go back to repayment increasing payments by £300 will NRAM extend my mortgage term to help reduce the payment. Cheers nafjor

Hi - Could you advise me please. I lived in the ROI for approx. 4 years. Then the horrendous property and economy collapse happened and me like many others were left with very high mortgages and a property worth prob 50% of the value. I am faced with huge mortgage arrears and am trying to get them to agree to a reduction in the mortgage (i.e write off a lump of the negative) then re structure. They might not go for this but wondered what my options were. My mortgage is for circas 500k and the house is worth circa 280k IF I was to hand the keys back could they chase me in the UK for the debt? Is my bad credit in ROI going to cause issues for me in the UK? If I go bankrupt in ROI does that cause issues for me in the UK? I have currently been back in the UK for 6 years and the have been in sporadic contact with me. Any advice or direction would be much appreciated. Regards