Tilly V mortgage express repo

[emmaf01]

You do have an "interesting" life, Tills!

 

Good job you didn't move into that house on-site with your job! Anyway, it's their loss, not yours. And now you can get housing benefit and council tax benefit, etc! Very good with the council rehousing!

 

If we get rid of the fleas (don't ask) you could come to Liverpool. But the fleas have our spare room at the mo (and all our money is going on flea spray...)

[The GodMother]

emma try flee bombs. They work.

 

Well tills if u want to be by the sea then i know of just the place. The sea air will do u a lot of good. lots of work going as well in your type of expertise. Plenty in the paper a few days ago. Shout if u need any help.

[**Tilly**]

Thanks GM

I think im going to take time out for a bit, get myself sorted then set about looking for a new job,

 

 

 

 

 

 

Tilly

[Tawnyowl]

good thinking tilly-have chill time

by the tower by the sea

is the place to be

sea side lady look after thee

have a break-walk round stanley park lake

Take care dont despair

all your friends are on the air

looking out for you.

NO poet-just trying-to help

feeling for your situation. take care tilly-the owl

[stonedecroze]

Lots of jobs in your line up here as well Tills, Also lots of houses for rent in the fishing village just up the road from Tawnyowl in fact there are 2 in my road.

[tonycee]

Sounds like Tilly got the same geography qualifications as me

 

Females by any chance ?

 

I think im going to take time out for a bit,

 

Of ?

[TideTurner]

stone could be sooooooo tempted,

All of the options are now yours Tills. Keep a keen eye on the sale and methods of sale.

 

A worrying thing is there are thousands heading in this direction, and as you've shown, there is virtually no organisation ready to step in and help..

 

Where rent is concerned, don't commit yourself for too long, rents are set to drop across the board over the coming months, and into next year.

 

Negotiate hard on any rent, and be prepared to walk away if the price isn't dropped, there are record levels of empty lets at the moment, and getting bigger!!

[**Tilly**]

Hiya Tide

 

Just had a phonecall from Me possession dept asking if i had recieved the letter from solicitor, said the only way to keep house now was to redeem mortgage yea right then went on to say once they have repossessd the property they will bring in their own peeps to value the property and then sell it, any shortfall will be sent to their loss collections department,who will then get in contact with me to come to some arrangment and agreement to pay it back.

 

 

 

Tilly

 

[emmaf01]

Is there some way to get your own independent valuation, as I don't really feel a ME valuation, done by a ME employee will be in your interests, financially?

 

Is that polite enough?

[**Tilly**]

Hi Emma

 

I have all my valuations that i have had done latest was done 2 weeks ago

 

 

 

 

 

 

Tilly

[**Tilly**]

Oh and just to cheer me up the estate agent rang, had a cash buyer but noooooo not allowed to sell it

[Ell-enn]

Hi Tills, was the cash buyer's offer enough to clear the mortgage?

[**Tilly**]

Hi Tills, was the cash buyer's offer enough to clear the mortgage?

 

 

Hi Ell

 

nope, it was the full price it is on for now, hey ho never mind a

 

 

 

 

Tills

[tonycee]

**LILLY**

 

Have you asked ME to speak and deal with the cash buyer direct ?

 

They have an obligation to achieve the best price.

 

Tell them you are willing to vacate ASAP if it helps ( We have a spare room )

[**Tilly**]

Hiya Weird

 

Yep i rang them as soon as estate agent rang, they want the full mortgage back, because it has gone as far as the warrent being issued, they won't even accept the

arrears now. Mwah thanks for the offer Tony xxx

 

 

 

 

 

 

**LILLY**

[tonycee]

Yep i rang them as soon as estate agent rang, they want the full mortgage back, because it has gone as far as the warrent being issued, they won't even accept the

arrears now.

 

Not strictly true. If all the arrears are paid off before the eviction they HAVE to accept.

 

Ask your estate agent for a copy of the cash offer in writing.

If there is any further shortfall, you can prove its MEs problem, not yours.

[**Tilly**]

On the phone now Tony also asked the lady in the possession dept for confirmation of telephone conversation s*ds law it has all come too late.

 

 

 

 

 

 

 

Tills

[TideTurner]

then went on to say once they have repossessd the property

Did you tell them you HAD received Solicitors letter, and did they give you any dates?

 

they will bring in their own peeps to value the property and then sell it, any shortfall will be sent to their loss collections department,who will then get in contact with me to come to some arrangment and agreement to pay it back.

Watch their valuers, you can still appoint your own if you think there is any funny business (selling to their own people).

 

You'll have to leave the consideration of any shortfall until you know what it is. Don't agree to anything before you know your full position.

 

TT

[**Tilly**]

By passed her question did i recieve letter nope wont agree to anything Tide,

dates for what ? eviction notice . Thats being delivered this week apparently

 

 

 

 

 

 

Tills

Edited August 4, 2008 by **Tilly**

[**Tilly**]

Got go guys have a meeting down at work or ex work should i say catch up with you laters.

 

 

 

 

 

 

 

 

Tills xxx

[emmaf01]

How could a judge think these people are acting reasonably? No-one can tell me ME are going to get more or equal to the cash offer you have now, in a few months when the market is flooded with repossessed properties and yours has been empty for a while?

 

Sorry, Tills. Rant over.

[**Tilly**]

Rant away emma, i do it all the time im an expert in it now lol

 

 

 

 

 

 

 

 

Tills x

[**Tilly**]

Ok getting back to shortfall, now i have lost my income for time being at least but if im still unemployed when they chase me for it how do i pay it back, brain working overtime here

[Ell-enn]

Well Tills, if you ain't got it - you can't give it to them can you

[tonycee]

Mortgage Shortfall | Debt Advice | Payplan

 

 

National Debtline England & Wales | Debt Advice | Factsheet 11 Mortgage Shortfalls

 

 

The BR bit is particularly interesting.

 

 

I would consider going BR and having a year out.