Help needed!! **NO EVICTION**

[acerbic]

Great news ! Thanks to this site. The mortgage company got a bit told off today in court. The Judge, (very sympathetic), told them there was absolutely no need to return to court in six months time, the agreement is being kept to, and besides he said that it was just another opportunity for the mortgage company to charge for another load of legal fees, (his words). Mysteriously... the arrears were £22K+, but are now only £13K. However, the solicitor couldn't explain this. I'm sure it'll all come out in the wash.

 

The upshot is NO Eviction, allowed to continue selling the house, CMI plus £100 as before.

 

Will keep you all updated when the charges response comes back.

 

Thank you, thank you, thank you all for your help, advice, words of wisdom.

[Ell-enn]

Excellent ! Well done your friend must have been really glad of your support.

[acerbic]

Hi Ell-enn,

 

Yes they were grateful, and I have made them aware of the help this site has given them too.

 

Many thanks once again.

[geoffthechef]

Can i just say what a good and true friend you have been....i admire you and the world is a better place because of people like you...well done

[TUTTSI]

Well done, to your friend and for you being a really good friend by getting a great result by getting the help needed and hopefully the lender will realise that they cannot just get away with all this overcharging.

[TUTTSI]

I am reactivating this thread as some information has to to my attention which I want to share in case it becomes important in the future.

 

Rooftop it appears have sold our Mortgage to a company called Farringdon Mortgages No 1 PLC in 2007 and it is very likely that they have sold others as well. But Land registry still shows Rooftop as our Mortgage company.

 

I also have documentation showing that FM1 PLC intention is to repossess as many properties as they can to liquidate.

 

If anyone has been repossessed by Rooftop please can they PM me ASAP or is concerned about the way they have been conducting themselves with outrageous charges I would like to hear from you.

 

Rooftops are not taking on new business and on their FSA authorisation they are NOT allowed to hold client money.

 

Tuttsi

[acerbic]

I'd be very interested to hear of any information like that. Its been a year now, they are still living in the same house, they have kept to the CMI + what the Judge asked of them.

Information like the stuff you have could be very useful to them, I'll be sure to pass it on.

 

Kind Regards

[TUTTSI]

I am just waiting for the poster who posted on my thread on another site regarding matter to confirm that I am able to use his material to post here. I am sure it will be fine to do so as he/she wants as many people to know what is going on. But I can tell you out of 995 mortgages purchased by Farringdon Mortgages No 1 PLC originally mortgaged with Rooftops only 149 now currently remain the rest have been repossessed.

 

I have been totally shocked about what is happening and petriffied that we will lose our home to these people.

 

I will be sending an SAR to FM no1 PLC to request confirmation that they actually own our mortgage.

 

Land registry still shows Rooftop as the legal owner when they are not.

 

Once I get the response from FM no1 PLC I will be taking my complaint straight to the FSA as I am sure you will too when when you have all the facts apertaining to your situation.

 

Rooftops sold our mortgages back in 2007 yet they have failed to advise us. They sold to 2/3 different places but ours is definately on FM No1 PLC, I actually have evidence of this and have now seen it with my own eyes on documentation which this poster poster up late last night.

 

Thank goodness your judge has been helpful to you. Many are not so helpfull and they just sign off on these repossessions willy nilly.

 

I also have an ex policeman looking into the goings on and he says it is "Comnmon Conspiriacy to Defraud" and the way that this can be bought out into the public eye is through the FSA with pressure from a few of us.

 

I will revert back once the poster has given his permission for me to post here or I will ask this poster to post here.

[TUTTSI]

I tried to post the various link but because it comes from another site unfortunately CAG will not allow it.

 

Best if you want to view this this information PM me your email address I will send you everything I have on this.

 

In the mean time check your Land Registry - Rooftops show themselves as the Legal owner of the mortgage but in reality they sold all their mortgages mine has been sold to Farringdon Mortgages No1 PLC and I have documentation to prove this.

 

I also have the two sets audited accounts both for Farringdon and Rooftop. Rooftop is just a shell company with no overheads, no income. They it appear just service the loan because they are FSA registered. Now the FSA registration does not permit Rooftop to hold client money.

 

Farringdon accounts talks about Rooftop Mortgages in their accounts.

 

A retired policeman viewing the thread said that it is definately a police matter and should be bought to the attention of the regulators FSA etc...I am not sure if I want to go that route at the moment as what would happen to us and our home if we did.

Edited March 8, 2012 by TUTTSI