JP Morgan Eviction Warrant **CANCELLED**

[belgarion22]

To Ell-enn

Thanks for all your help

Belgarion22

[Ell-enn]

You're welcome glad you got a good result.

[Ell-enn]

You're welcome glad you got a good result.

[belgarion22]

HI everybody

just an update on this post

i have fallen into arrears with the mortgage this month and received a call from the mortgage company saying that the possesion order that thay got in 2009 dispite being paid is still enforceable and that they are going to seek the house

[Ell-enn]

Hi, have you been making payments on time since 2009? is it only recently you have missed a payment ?

[belgarion22]

Hi ell-enn

sorry for not replying i have been very busy with family issuse

my younger sister had a storke in november and we are still sorting out the issues with her as she has also been diagnosed with cancer,

 

yes i have been paying on time since 2009,

the mortgage company are saying that they can hold the suspended possession order over me for twelve years and that any time i am late they will use the order.

 

i also asked for all the late payment fees they have charged since the mortgage began and i received a letter stating that under the terms and conditions they can charge these charges and there is nothing i can do about it so they will not pay anything back and if i dont like it tough.

[Ell-enn]

Have you received an eviction notice yet? Also, do you have a mortgage statement showing all the payments you have made since the hearing in 2009?

 

 

Just because the fees are in their terms and conditions it doesn't make them fair. You need to raise a complaint with the FOS. If you are in a payment arrangement to clear the arrears then they should not be charging you arrears fees.

[belgarion22]

Hi just a quick note

 

due to family problem i am in arress with the mortgage again and spoke to the mortgage asked them to put all charges including court cost back on to my account

 

they said they have a right to put these on and all charges are fair and if i want to contest this i need to file at court as they still say that a repossession notice granted to the previous owner of the mortgage that they took over when they bought the mortgage company is valid and runs for 12 years from the date of the last time the tried to posses the house

 

i have also told them to put back all the insurance polices they took out on my behalf because i did not prove that i had insurance on the house on the grounds of mis selling as they were for aroung £400 a time and only cvovered the cost of moragage