Showing results for tags 'capitalisation'.
Found 2 results
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Hi, This is my first post on here, but I've used others posts to at least get to the point where I'm ready to request a CCA (credit agreement?) and SAR from the ubiquitous Welcome Finance. So I have 2 questions that I hope someone can give some advice on. I have looked elsewhere on the forum & there are lots of threads with a lot of discussion on this, but they are often diluted by the circumstance of the individual, so I'd like to ask the following. When I send off for my CCA, am I obliged to pay for it, if so, how much does it cost & what period of time does the lender have to return my request. If they fail to return it, what are my options. When I send off for my SAR, am I obliged to pay for it, if so, how much does it cost & what period of time does the lender have to return my request. If they fail to return it, what are my options. Sorry for the very "straight up" nature of the request, but I'm having trouble finding the right answers due to every case being unique in the circumstances they are applied for. The background is that I have issues like capitalisation, interest on charges, ppi denial and a few other not insignificant gripes. And I'd like to suspend my payments until I have had my SAR & CCA reveiwed by a professional. Thanks for reading, hopefully you can help? -
Hello.I hope I may get some words of wisdom here! I am not working and my wife has been on long term sick for three years on around half pay. My mortgage lender got a possession order just over two years ago but have only now enforced it and we are to be evicted on 13/12/12. Our payments have been somewhat erratic (the money goes into my wife's account and she is supposed to pay bills but she has severe depression and doesn't keep up to things). Our arrears are £15000, the house is worth about £180000 with £152000 owing. I spoke to the CAB advisor on Friday and she said about the N244 form but before doing that, speak to the lender which I intend to do on Monday. My monthly payment (interest only) is £330. Do you think offering to pay this + say £170 towards the arrears is a reasonable offer? (I can only do this because my son has offered to pay it). If they don't accept that do you think a judge would think it reasonable? I think the only way forward is to sell up.Would it be reasonable to ask the judge for a few months "selling time". My other fear is that as my wife is still employed by a bank she could well lose her job,and income, because of this. Any input greatly appreciated. It's been good just to share my troubles!
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