Search the Community
Showing results for tags 'arrears'.
-
Hi all I had a mortgage with Amber Homeloans for approx. 8 years until 2017 and due to my own poor financial mismanagement, I incurred many fees for arrears, etc. Whilst I accept fault, given the time that has passed, is it still viable to pursue Amber for any excessive fees charged which were greater than the administrative cost to them? I am about to request statements from them in order that I can collate a list of charges, but perhaps it's not worth my while? Thanks. -
Hello Needing some assistance re mortgage arrears and threat of repossession. The mortgage in question is with Halifax (interest only). I should mention that I am trying to help out my aunt who lives abroad. Having decided to move overseas, my aunt left her property under a letting agency. The bank were aware of the property being rented. Due to poor management of the letting agent, monies were not received in a timely manner and eventually mortgage arrears mounted. To cut a log story short, the property is now under a new estate agent and things are steadily getting better. The mortgage arrears are just over £500 and another payment due shortly. By the end of this month its likely the arrears will be close to £1000. I know this is not an overly large amount, but my aunt is not working and not in a position to find this money. Halifax have written and have indicated they will instruct solicitors to begin legal proceedings to repossess the property if any more payments are missed or if contact is not made. I am aware that Halifax have applied late fees etc and other charges but possibly not enough wipe out the current debt. My main concern is to stop the repossession and wanting to know what is the best course of action? I would be grateful for any suggestions. Many thanks MBK.
-
I have been living in my current flat for approximately 5 years. Firstly with a partner and recently by myself. During this whole time I have had a pre payment meter taking debt every time I top up for a previous tenant. Through my own laziness and stupidity I didn't pursue the issue. I tried to at first but couldn't figure out where to start and about a year or so ago the 'debt' being taken off was a negligible amount (approximately 50p-£1 for every £10 I topped up). However, recently the rate that the debt is added seemed to have escalated to £2-£3 per £10 topped up. I should have pursued this much sooner I realise this, but I would really like them to stop charging me for a debt that has never been mine and to recover some or all of the money that I have paid towards this debt that is not and never has been mine. Is anyone able to advise who I should contact and how I should go about this? -
Hello, I am hoping to find some direction or legal advice. I split with my ex-husband 7 years ago and divorced 3 years ago on the grounds of his adultery. I moved out of the marital home so that he had somewhere for our young daughter to stay when he had her at weekends. I went and got myself a rental home. The agreement was that he paid my half of the mortgage and I in return didn't ask for any maintenance. I was somewhat shocked this week when the mortgage company wrote to me this week at my new address which they didn't have the details to get in touch with them. I asked my ex if he knew what it was about. As always he said not to bother speaking to them as everything was ok. Curiosity got the better and I called them, I was horrified to learn that the property is in severe arrears and legal action has started to get the property back! when I spoke with my ex he tried to claim that everything was ok and he will pay all the money back. I know that this will not happen as the arrears are far too high and if one payment is missed then the court will enforce the order. I have asked my ex to sell the property but he is dragging his heels and lying to me when he says he's got someone coming out to value the house. What legal route can I go down to force the sale of the house. The property needs to be sold as I know it will be repossessed if not as the payment schedule is huge to clear the arrears. I am a bit lost as to who to speak with, would it be a family solicitor or a property solicitor? Any advice is appreciated.
-
I've been writing to and arranging plans with other creditors for several months. I hadn't had a meter reading for some time and my electricity supplier have just presented me with a large bill. So it seems my regular electricity payment hasn't been enough to cover our usage, so I need to increase that, but also now need to deal with the arrears. Is this now a priority debt? Do I write to other creditors and reduce my payments to them? cheers -
I have 3 student loans from pre-1995 which have been deferred bar a brief spell shortly after I graduated. Last week I received a phone call from Erudio stating I was in arrears and would I like to make a payment to clear. I queried and said accounts were deferred and I was not aware of any arrears. She told me I should have received a letter and then said it was an system error, then retracted and said I should have received a letter. I was polite but firm and said you shouldn't call people requesting payment with no further information. She said she would put a block on phone calls for a few weeks until I receive the letter. She also mentioned my account would be written off soon but only if arrears were cleared. Today I received 3 Erudio letters with an FCA Arrears information sheet. They state 'you are behind with your payments under the Agreement' but there is no further information re how these arrears arose. Nor is there information about how to repay just a request to contact by telephone, post or e-mail to 'discuss the state of your account with us'. Other that this I only ever receive and return deferment forms (never including the NI information) online and so this is a bolt out of the blue. Is this happeneing to others and is it legitimate and what should I do?
-
Hi All Ok, today I received a letter from the csa for arrears dating back 18 years from 1999-2000 for a sum of £472. My daughter is now 28 years old and earns more money than me. I can't remember details 18 years ago. The only thing I can imagine is I went through a period of unemployment, but as far as I can remember I paid my csa payments. How in hell can it be after 18 years they come chasing after an 18 year old debt that there is no way I can verify, don't think I own anything 18 years old. I could really do with some advice on this, I certainly don't want to be coughing up £472 for a debt I know nothing about. Any info on what I should do would be most welcome.
-
I asked moneybarn to move my payment from the 1st of the month to the 13th of the month. As a result i was a month in arrears, but paid it off at £20 a week for the last 15 weeks. Now ive just received an arrears letter for £305.35 which is my monthly payment, they are trying to charge me 2 months money for moving my payment 12 days forward. .anyone else had this problem?? advice appreciated.
-
The title sums it up in a nutshell. I pay monthly by standing order and have done so since moving into this house a year ago. I have received, over the last few months, two text messages and two letters asserting that my account is in arrears and that if I don't respond I will become liable for the whole years bill etc etc. My account is not in arrears. I have bank statements which show the sums being transferred to the council in question every month. I have emailed the head of revenue and benefits to tell him to check whatever error is causing this on his system and to point out how unacceptable it is to send people threatening letters in error. I attached copies of my bank statement showing the payments by way of proof. I can well imagine there are some people who would be intimidated or caused undue stress by the type of things they've sent. I copied in my councillor, who acknowledged the message. No response yet from the recipient. Today I have received a court summons for 23rd of May on account of my non-payment. Obviously I am not overly concerned, as I know I have paid and can prove I have paid. What I would like to know is how best to act now? I have let the councillor know what has happened and sought further advice from him . I am not against attending the court date if there is anything to be gained by that for me. The outcome I am seeking is an acknowledgment of the errors on the part of the council and a stop being put to the harassment via text message and letter which has now been going on for some months. Does anyone have some advice for how best to proceed? -
Hello, I was hoping for an outside opinion of the situation I have got myself into- I've been a customer of Bright house since Early 2015 and have had multiple agreements since then. I currently have 7 agreements, all but two with over 50% paid off, a few only have a couple of weeks to a couple if months left. My weekly payments are £80 per week right now. Some of my items are essential items some non - essential. I have found myself in a bit of financial difficulty of late, behind with rent, c-tax, electric... all of which I have been able to come to an affordable payment arrangement. My problem is with Bright house, I am at the moment 3 weeks in arrears as in order to make arrangements with all of my above debts I had to offer extra to them for the past few weeks, putting Bright house at the bottom of the list, I've asked for a couple of months reduced payments, they said no, and asked if I can just pay a small amount on top on the weekly amount I am paying to which they also said no, in all honestly I cannot afford the £80pw anyway so reduced payment is what I was hoping for. I am not willing to hand the goods back as I have paid so much for them, I know that is not how Bright house works but I've literally paid for these goods three times over, My fault I know, I went in with my eyes open. I still want to pay just at a reduced rate for a period of time, Do you think there is a way I can make this possible, they wont take part payment from me in store and are refusing to give me details to make BACS payments.... It all stared with just the one item, and I said to myself after this is paid I wont get any more, but it seemed so easy at the time each time I have made a new agreement with Brighthouse it has been after going into to store to make an enquiry or make a payment and at that point new products have been upsold to me. Each time I have made the staff aware of changes to my income and expenditure but have always been told ‘it’s best to leave it the way it is so we can add-on’. I have not been asked to provide proof on income since my sign up in 2015. It says on their website "The likelihood of adding further items on to your account are improved by ensuring your account is kept up-to-date. For each further application we will assess your income and expenditure and perform a credit check to determine your level of affordability." But that cannot be true as my credit file has 10 defaults and 2 CCJ's registered against me, my credit is truly appalling and any potential creditor should have some kind of obligation to lending responsibly. When I went in store and advised them of my financial hardship they told me I should take out a payday loan to pay off the arrears - surely this isn't right?! I am not looking for a way to not pay this, I intend to honour my obligations, I just need a little break that's all. I have had their advisers knocking on my door everyday for the past week, luckily they don't have my phone number anymore as I changed it a few months ago. Does any one have any advice about how I should handle this moving forward. -
Hello there, I have recently been away from my rented flat as I have been looking after a very ill family member. It was very stupid of me, but I never gave paying my council tax any thought. I have been out of a job for awhile, and have only just started to apply for benefits. When I returned to my property, I was greeted with a lovely notice of enforcement letter from Marstons Holdings, stating I had until the 10th April to pay. Well I did not get back to the property till the 12th. I have tried to contact Marstons directly, having no help whatsoever. I have contacted the council recovery team at Leeds City Council, and they have put my account on hold for 14 days. My question is does this stop the bailiffs from being able to attend my property for 14 days also? If not, has anyone else had dealings with Marstons, and how long did it take for them to attend your property after the due date on the notice of enforcement letter? Thank you for taking the time to read my dilemma. I look forward to reading your responses! -
I could really use some advice regarding an ongoing issue with scottish power. the issue is there is now a large amount of arrears on my account (£4K) due to an ongoing complaint.... Numerous times I've entered into an arrangement plan with SP to cover both current usage and arrears repayment. It comes out on one direct debit. A few times I've had to use their online system to change the direct debit date. The issue is, is that when the date has been changed, they still take the arrears 'element' of the direct debit on the old date not the new one causing me to go overdrawn. I then have to contact my bank to indemnify the DD as it's come out on the wrong date and here lays the problem as the moment the DD is idemnified SP then cancel the direct debit, put me on 3 monthly billing and I then have to phone SP to get the DD reinstated and put back on monthly online billing and they they always set it for the following month. Even though they 'reset' the DD on countless occasions over the past few years they keep on taking the 'arrears element' of the DD on the wrong date causing the DD to fail, I indemnify it and thus an endless non-payment loop starts. The issue seems to be a complete breakdown of SP's IT systems..... Despite countless phone calls to SP, they still haven't solved the problem, and they've now sent me an utterly factually incorrect final response saying they're right, I'm wrong and pay up the £4k or face the consequences!....please help!
-
HI ALL, to cut a long story short ive had problems with the above for ever. I have an arrears repayment order on a suspended warrant which is nearly paid off, howver every year they attempt to enforce the warrant without success. My issue is this, on my letters and quarterly statements I have seen a whole bunch of other charges. 3 years ago i wrote to complain and they removed them incremently. these charges are shown to be part of the arrears however they are threatening again (not that i get worried), please could you tell me exactly what the hell these charges are as im thinking of actually taking this further and calling them out on them on my statement it states Insurance related charges (the buildings insurance is part of the CMI and is stated on the monthly interest rate letters i get) i have no idea what these are Fees and Security related charges ( a name change here as they were listed as other at one point) These fees and charges total 6822.87 and are put on the arrears of which the total is 2757. So makes my arrears look higher than they actually are. Is there anyrthing within FSA MCOBS regarding this and how to deal with it officially? any help greatly appreciated:-) Thank you
-
Not sure if this is the correct board to put this, sorry if not. I had a tenancy with a large Housing Association which ended 2 years ago and I left owing over £1K of arrears. The last 2 years I haven't heard anything from them (they knew my contact details so not sure why) and as such I just buried my head in the sand until now. They have passed my arrears to a bailiff company called Regional Collection Services based in Sunderland, who have added £390+VAT in costs to the arrears. I've contacted the Housing Association by email asking to set up a payment plan directly with them to clear the balance but they have said I need to contact RCS to set up a payment plan with them instead. Can they force me to contract with RCS? If I pay payments directly to the Housing Association do they have to accept them? I really don't want to deal with RCS nor do I want to pay them the extra £390+VAT either. RCS have sent me a letter but they haven't turned up on my doorstep yet but I expect they will soon. If I had the money available I would just pay it all off in one go directly to the Housing Association. Thanks for any help or guidance. -
Arrears in ground rent
king100 posted a topic in Residential and Commercial lettings/Freehold issues
Morning I have just been sent a letter asking for over £2000 in ground rent for my flat payable in 14 days otherwise they will pass it onto their solicitors and add fees and charges. Long story short. Management company changed hands a few times, I asked for an outstanding balance in August 2017. I now have whats outstanding some 6 months later. I have done some research and correct me if I am wrong but according to Section 166 of the Commonhold & Leasehold Reform Act 2002 they must send me a letter in the correct format and allow me between 30 and 60 days to pay the arrears. I have already said that I can pay 2/3rds in a lump sum and the pay the remainder off plus my usual monthly payments which was declined. Am I correct in saying that because they did not request the arrears in the correct way and allow me 30 days to pay the balance that I can inform them of is near the end of 14 days. They are also claiming that they can charge me solicitors fees, which 3 years ago amounted to £1200 for a debt of £1700. This went to the Small Claims Court, the judge awarded costs but they decided to add on another £800 which I do not know what it is for. Dont these cost seem unreasonable. The case never went to court, if all the solicitors cost nearly as much as the debt. i have asked for copy invoices of the solicitors fees and well as documentation but the management company have refused this unless I pay the full outstanding balance. -
Hi, I recently discovered that the Direct Debit I set up to pay my Car Tax got cancelled after only one payment. Unfortunately this payment was in March 2015, never had any contact from the DVLA to the best of my knowledge either about this or that they were "first payment was marked for refund" Contacted the DVLA to query this (that quote was what the guy on the phone said) and it turned out that the dealer I bought the van off had been a bit slower than me in sending back his section of the V5. So when mine was processed it was quickly nullified by his, hence the cancelling of the direct debit. I have continued my life thinking that I don't have to worry about my tax as if anything changed I would be contacted about it. Until I checked my tax status and it said I was untaxed. The letter from the DVLA enforcement department arrived today and says they cancelled the direct debit in error and that I owe £655 in tax arrears, which I am happy to pay, however the letter also says they are unable to accept installments. I have gone from starting a direct debit to spread the payments of my car tax, to having to pay almost 3 years of tax in a single lump sum. Due in part to my slack attitude to checking my finances, but due in a large part to the DVLA cancelling my DD and not telling me. Interestingly, during the period I was 'not the registered keeper' I received a speeding fine from the constabulary the letter arriving in the same delivery as my housemate who was caught by the same camera on the same day! So I was obviously registered on someone's list. Anyone got any advice on how I should proceed? I cannot afford £655 in a lump sum without going into debt which I have just about crawled out of by working 2 jobs.
-
Hi, Just after some advice, I have walked in tonight to find a letter from Erudio (DCA) claiming that I have an arrears on my student loan they manage. I can never remember going into arrears with them and know in the past when for whatever reason I may have been late getting my deferment in I have ended up paying a single payment towards the loan. This hasn't happened recently and can only ever remember it happening once since taking out the loans (99-03). The letter just states that I am in arrears for £118.00 but have been given no details of when this arrears occurred and also that it should the arrears remain on my account that I may forfeit the contractual right to write it off. I have only just deffered my loans and try to make sure I return the application for deferment as soon as I get it. My question is do I contest this is there a formula for doing so that will get a response as I'm noticing that they are difficult to deal with and using ccj's which I really don't need. I have looked through the forum but to be honest it seems a little jumbled up where this company is concerned and wanted to make sure I was doing the right thing. Thanks for any help
-
Hi all, I am new to this and I hope the good people out there can help me. I used to be in terrible debt problems in the second half of the 00's and beginning of the 10's - with many credit cards and unsecured loans. All of which I was paying large amounts of penalties and interest. This was with Lloyds, Natwest, Egg, Virgin and MBNA. A few weeks ago I received a letter from MBNA (relating to a Virgin credit card account) saying the when my credit card account was in arrears they should have sent me a notice of sums in arrears on 21st September 2009 but as a result of an error they didn't. Therefore they have refunded any interest and default fees that were added from the date and the date of this letter (9th Jan 2018). The total (to my amazement) was a £9k refund in the form of an attached cheque. I did not believe it until the cheque cleared which it now has. I have some questions: 1) Should MBNA pay me interest on top of this for keeping this money over the period of time. I think I am right in saying that if this was resolved in court then I would be due 8% straight interest on the refunded amounts. 2) How do I check if I am due refunds from Natwest, LLoyds, Egg? I did not receive anything regarding a sum of notice in arrears at the time as far as I am aware. - What criteria do they need to send the notices of sum in arrears? I have read on line that many of the top institutions failed to do this but could not get any real details. - Does this apply to credit cards and unsecured loans? - Can I do anything to chase this with them or is it a case of wait and see? I have found the odd article on this on line but am struggling to see if I have a case and if so what I need to do. I have rung Natwest and LLoyds and also went into the branch - but all useless and they had no information on NOSIA refunds or investigations. Anyway - it would be fantastic if anyone out there can help me on this. Many thanks and appreciation in advance Charles
-
Hi. I have recently fallen into rent arrears with my housing association I have a long term tenancy, have been here since 2010. I have a long term illness that has got progressively worse and in the past 2 years, I have been totally disabled. Without going into a load of irrelevant details, I spend am average of 18 hours everyday in a lot of pain, and have been hospitalized more times than I can count. I have recently been told I will never get any better as the bulk of the pain is because of scar tissue from a series of operations in a short space of time. Our rent payments made have been quite erratic, in all honesty for a while now due to being very low income and prioritising food and heating over rent, as we knew we could catch up on the rent at a later date. We always did catch up in maybe a couple of months. We have had housing benefit for a while also, so even when we fell behind, it was not actually by much. However, with my illness getting worse and (7 months back now) the DWP curing me of my illness (I am appealing and my consultant says I should absolutely win and most likely go from standard to higher ontop of this, and get everything backdated) and removing a large chunk of our income, things have not been so great. Our housing association just switched hands a couple of months ago, and almost immediately I was threatened with a notice of seeking posession. At the time I owed 200 pounds in total in arrears. I missed one payment recently and was planning on making it up the next ESA payment, but I received a notice seeking posession a week after this. Since then I have kept making payments and still plan to, but this is quite scary as we have nowhere we could go if we were evicted. My questions are 1. From looking around on the internet, apparently I have to owe 2 months rent before a notice can be issued. I do not owe 2 months rent. 2. Is housing benefit supposed to be taken into account for this? I owe £160 in arrears (I confirmed this with an adviser, got her to take off HB owed. I also worked it out myself from previous bank statements crossed with recent rent statement), however the letter I recieved said I owe £360. This is likely because the housing benefit owed has not been calculated. The 2 months rent, would this be the 2 months worth of topup I am meant to pay? Which would make the total I am supposed to owe to make it 8 weeks £200. Or is it meant to be 2 months total rent, which would make the total I was supposed to owe £800 Or is the 2 month figure false altogether? If the 2 month figure is correct, then I do not owe enough for this action surely? If it is only supposed to be the topup I pay that counts for this, then the housing benefit owed should be taken off the total they are saying I owe, so it would be £160, not the £200 it would be of it was 8 weeks behind.. I suspect by the time I appear in court, there won't actually be any arrears at all, or they will be extremely low (people I have spoke to say that these are already extremely low at £160, but I mean low as in under 100). Or if I have had my tribunal and have had the backdated PIP then I will actually be way in credit on my rent account. Will any of this make a difference? And what actually are the chances of a judge evicting us? I hope this message makes sense, I am a little emotional right now. -
Has anyone got any advice for claiming distress or inconvenience?
-
3053548.thumb.jpg.6ea05a752ac6bbf38ae4e7be9676053a.jpg)
The following news article featured on SCOOP today: http://www.publicsectorexecutive.com/Public-Sector-News/london-council-to-launch-ethical-debt-collection-for-residents?dorewrite=false/Page-1749 https://www.scoop.it/t/lacef-news -
From their website: "Charged to cover the administration of issuing an arrears chase letter." - Outgoing arrears letter I'm not condoning missing mortgage payments, but surely £27.50 is a lot for a one-page (presumably computerised) letter and envelope being sent out? I think this has been covered previously (in 2011) but I'm not sure of my best course of action. Or whether I have a claim at all? Can anyone help me? I have received 2 of these letters in the last fortnight alone. £55 is hard to take for 2 sheets of paper and 2 envelopes! This figure is clearly exceeding actual administrative costs, and I find them unfair and therefore unlawful. Are they well within their rights to charge such a figure? Sometimes I have had these letters without even a prior phone-call to chase/remind me to make payment. -
Has anyone had any dealings with Paratus incorrectly calculating their arrears wrongly? If so how did you get your money back?
-
Hello I hope some one can help. My husband today got letter from the HMRC stating that since he earns over 50k per year we have to pay back all the child benefit payments we have received since 2014. He received form SA252 on 17 August 2013 (following incorrect 2012/2013 Self-Assessment – where didn’t tick the Child Benefit box!) whether receiving Child Benefit – clearly missed this. Since that time there has been no communication and no letters etc have been sent to me his wife either, even though I get the payment. The HMRC states that they sent letters on 15/9/17 and 23/10/17, which we did not receive, they now sent a letter stating they are going to charge us £1500 in penalties as we never replied to the letters we did not receive. Apparently we need to pay back (on top of penalty of £1,517.82 by 6 December); 2014: £2351 2015: £2475 2016: £2549 Any ideas of what to do? Spent an hour on the phone to the HMRC, once they decide you are in the wrong you are in the wrong. Help!
-
Hi, I don't know if I'm posting this in the right place but I need help. My daughters boyfriend has just received an eviction notice, stating the eviction will take pkace a week on Thursday. I'm currently sketchy on the details but it's all due to problems with housing benefits etc. Hes had a nightmare of a couple f years, he was persuaded to take a 16 hour a week job because he was on DLA and could claim working tax credits, he also kept his housing benefit. He then lost his claim to DLA when he had to change to pip and so lost his working tax credits. He also lost his housing benefit but that was reinstated. Currently he has a total income of £120 per week and is supposed to be paying towards his rent as his housing benefit doesn't cover it all. Now he's buried his head in the sand, my daughter had just phoned me to say that he's being evicted and the eviction notice was delivered on Saturday morning. He has tried to contact the council today to see if there is any way he can stop the eviction and they have said no not unless he pays all of the arrears. I don't know if the amount they are wanting includes all of the costs that will have been added to the debt outstanding. Is there anything at all that can be done to help him keep his home or are we looking at a lost cause?
