help with platform

[casper1963]

hi all in december 2006 our home was repossessed t

he mortgage was with platform home loans

 

to try and keep a long story short

 

they took nearly 5 months to sell

in which time they piled on monthly interest and insurance charges plus a load of other repossession fees

 

when the house sold it left a £3300 short fall

if they had not added all these fees mentioned the house sale would have cleared the debt balance as it stood in dec 2006

 

they are still hassleing me for this debt a

 

ny advice welcome they have again given me 7 days to reply with their ie form

which since finding this site i believe they have no right to do

 

do i sar or cca them or just ignore there is no way we can afford to pay this

and after the way they treated us they dont deserve to get paid

regards casper

[casper1963]

sorry for double post this is in the repo section aswell wasnt sure of best place

 

hi all in december 2006 our home was repossessed the mortgage was with platform home loans to try and keep a long story short basically they took nearly 5 months to sell in which time they piled on monthly interest and insurance charges plus a load of other repossession fees any way when the house sold it left a £3300 short fall if they had not added all these fees mentioned the house sale would have cleared the debt balance as it stood in dec 2006 they are still hassleing me for this debt any advice welcome they have again given me 7 days to reply with there ie form which since finding this site i believe they have no right to do i SAR or cca them or just ignore there is no way we can afford to pay this and after the way they treated us they dont deserve to get paid

regards casper

[42man]

A SAR is the correct way to start - and do read this too - http://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

[casper1963]

thank you 42man for the link very interesting read i think i may well have charges to reclaim if i send a sar can i get the to stop collection activity will i am waiting for there reply will the sar include the cca or should i do that as a seperate request

[rebel11]

Thread moved.

[silverfox1961]

Hi,

I would send a SAR to get as much detail as possible but I advise you to have a read of this as well:

 

http://www.consumeractiongroup.co.uk/forum/content.php?700-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

[casper1963]

thanx for moving to the correct place

regards casper

[casper1963]

cheers will send sar/cca of asap can i ask them to stop collection activity while the account is being looked into also am i write in telling them they have no rights to my i&e

[Bazooka Boo]

IMO I wouldn't tell them what they already know, Just refuse to fill the I&E in for the moment, the time in which to use an I&E as a weapon will be when they have complied with your SAR and you can see exactly what, if anything, is owed.

[casper1963]

hi cagers going to send sar off this week once i have the £10 thing is after reading a few different threads i dont know weather to sign it or not i believe not, any advice welcome

Kind Regards casper

[42man]

You should sign a SAR....but put crosses through it so it can't be 'lifted'

[casper1963]

brilliant thanx for the speedy reply 42man will do that

[casper1963]

am i best posting to the po box in plymouth which is at the top of there letters or to there registered address in london at the foot

[42man]

I'd send it to Plymouth....

[casper1963]

Thank you 42man

[John1987]

Good afternoon,

I received a phone call on my French phone nearly 5months ago from a

company called "regents legal" concerning an outstanding liability of

462.50 british pounds.

I was shocked to receive this call as I have never had any bank

problems in my life (either in the UK or in France).

The company explained that I owed barclays 462.50 pounds when I never

spent that much money.

I waited months to receive a proper explanation from the company

barclays had contacted. Their answer was always "when are you going to

pay us Mr. Lacroix", and we are unable to explain why you owe barclays

this money.

They finally sent me a mail in February(that I never received),

followed by an email of my account details (1month later, only after I

spent40 euro twice on my phone calling them up!)

I had money left on my British account, all my mails where transferred

from the UK to my French home, and my UK bank manager told me that my

UK account would automatically be closed.

I used my credit card while I was in France, and when I realized I had

a 50pence dept, I immediately tried to transfer funds onto my account.

Unfortunately, I was unable to do so since Barclays where more

concerned about making me pay 462.50 pounds than letting me pay my

debt of 50 pence.

I now owe more than 400 pounds to Barclays because of this, and was

not told about their "reserve fees", when I went to their bank at

Picadilly Circus, I was told it was like in France, where in case you

make a mistake on a transfer one day, you would not have to pay any

fees. I was therefore lied to, because there are fees of 22 pounds to

pay per week, whatever the amount.

To make things even worse, the second company just called back and

told me that I would have to pay even more fees.

What should I do?

I believe this to be outrageous behaviour on behalf of barclays, and

shall never go to this bank again.

I tried calling barclays,but each time I got them on the phone they told me they weren't dealing with my dossier anymore.

Furthermore, Regents even said they would start to press charges??

Do you know what I should do since you seem to have the same problem?

[casper1963]

ok received my sar basically the house sold for enough to clear the mortgage and all the arrears wot they are claiming as short fall is that out of what was left from the house sale went to pay there sols, eviction company and agents fees ect the outstanding amount of £3300 is for interest charged for the period of 5 months it took them to sell the house what chances would they have of enforcing this debt

regards casper

[cerberusalert]

How long ago since the repossession and you last made a payment?

[casper1963]

coming up to 5 years since last payment and house was repossessed in jan 2007 but i have replied to there 6 monthly requests for payment by way of go away i haven't go any money

[42man]

Did they list all the excessive charges too ? late payment fees, letter fees, arrears fees etc ?

[casper1963]

im still trying to get my head round the sar i have managed to work out some of the fees charged and i think some are done so i cant under stand them the biggest part of the shortfall was there sols/agents,deeds release fees twice ?, insurance while the property was empty and the interest accured for the 5 months to sell it as i said the actual sale cleared all debt up to the day we were evicted they even added £80 for removing a couple tins of paint from the shed

Edited August 8, 2011 by casper1963

[casper1963]

Well after some time with no contact

 

i received there usual request for an ie form which i ignored

 

then sent me another letter saying if i dont reply they will enforce a money order

 

i do not recall having one

 

so confused also this is now well over 6 yrs since repossession and 6yr 2 months since they sold it and almost 7 yrs since last payment.

 

As in previous post this short fall approx £3200 is all charges and fees but they have put on there statement as half fees and half interest.

 

Just wondering whether to continue to ignore as before,

are short falls subject to being stat barred and if so what period of time

and will that be affected by the fact that i have written to them in the past.

 

Regards Casper

[Bazooka Boo]

So you've heard nothing for two years, and now this?

 

Writing to them will not unbar or rest the SB clock, UNLESS, you have written to them stating that you owe the money.

 

Have they actually stated they will apply for a "Money Order"?

 

It will be SB 6 years from the date of your last financial transaction. Have you checked your credit file?

[casper1963]

Hi Bazooka Boo thank you for the reply the actual wording on there letter was, (We will have the options to enforce the money judgement made against you.)

This has never been mentioned in the past 6 yrs so do not Know if they have one....Or this is just a new paragraph they have added to there computer generated waffle. And no haven't checked credit file as of yet, and is filling in some ie forms previous to finding out I do not need to when I joined cag admitting the debt I have never actually written the words (debt I have with you) as far as I can remember

 

Kind Regards Casper

[BRIGADIER2JCS]

The OFT Guidance states a relevant acknowledgment of a debt is made by:

 

A payment made by the debtor or his agent during the limitation period and/or

 

an unequivocal written acknowledgment that a liability subsists.