Coast claim for Possession - old Welcome secured loan - Disc'd once - now another N24/N11R - help ***Resolved***

[surrey_36]

The DSAR is a 200 page document, might be a bit big to upload! Is there specific pages?

 

[surrey_36]

Ok so just statments needed from the DSAR?

 

 

I have found a brilliant package for editing PDF's, much quicker than photo editing each individual page, you can go though whole document page by page and just erase the personal info - very quick and easy!

Edited November 7, 2019 by surrey_36

[surrey_36]

Oh... yep it is.

Ok will do the other way no probs.

[surrey_36]

Surrey here!

I still need to sort these statements up, scan, edit and upload.  

 

I have received a letter today from TLT Solicitors instructed to act on behalf of my lender. 

They are referring to this as a mortgage. 

 

They are giving me 7 days to make an arrangement to pay coast finance before proceeding are issued.

[surrey_36]

Thanks DX here is a copy of the letter..

 

2020-02-11 TLT Letter.pdf

[surrey_36]

oh dear.... 

That was close very nearly uploaded a JPG again then, realised my mistake and corrected quickly. Phew.

 

TLT Welcome PDF.pdf

Edited February 25, 2020 by surrey_36

[surrey_36]

Im having to request the statements again as the CD is now not working with the code they sent me!

 

I am worried about the fact they say they have issued proceedings though

[surrey_36]

Thanks DX

I have entered the password several times to make sure im not making a mistake

Is it best to just write to them and ask them to send the statements?

 

Thank you DX!

[surrey_36]

Help!

Claim for Possesion or property received! Stamped by the county court, Issued March 4th, hearing date 24th April, - I cannot see how I am going to defend myself!

 

Its a Notice of Hearing. In the County Court from COAST FINANCE SOLUTIONS

'Highlighted in yello' Sitting at Crawley Law Courts

 

I really didn't expect to receive this - is there a way I can check it is genuine 

[surrey_36]

I did not think they would go ahead with a court hearing ,

I have called Crawley Law courts and they have confirmed the court hearing. 

 

I'm in a bit of a panic to be honest I do not need to be going to court I really have got so much to deal with at the moment, I did not expect this to happen

 

I wrote to them 15th February after I received their letter stating they would take me to court if I didn't pay in full in 7 days. 

 

 

I wrote and told them that their CD is not working or at least that the code was not working and that they had not sent me all the statements as per my previous request and could they please forward these,

next thing I know I receive the attached.

 

 

 

 

claim for possession.pdf

[surrey_36]

Thank you all for your replies and offers to help! Im extremely grateful!

 

 I had family trauma in 2017 which left me unable to work and although I continued to pay Welcome/Coast I believe there was a question as to whether their contract was lawful, I understand there is possibly errors.  

 

I was trying to deal with this last year and to be honest I did not really give it any priority as I did not think they were in a position to take me to court. The last payment to them was in June 2018 which was a gesture payment of £10 per month.

 

They had been contacting me offering to settle the loan at a considerable discount but I have been in severe financial difficulty for a long time now and only really recently back to part time work but even now I'm still struggling and getting by on minimum, so I have not been in a position to be able to offer a payment.

 

I sent a SAR request and twice they have posted me a CD, the first did not work, the second did work but when I tried to access it again recently it would not let me in.    I asked them to just post me all statements from the beginning of the loan and although they did send this the statement was incomplete and only went back a few years, not back to when the loan was taken out.

 

I wrote to them recently and asked them to resend this information urgently but the next thing I receive is the court letter.

[surrey_36]

I am looking at the defence to fill in and wont be able to complete It properly as I still don't have the copy of documents from Coast with original agreements, statements, correspondence etc,   on the defence I have to give figures and details that I will need the statements for etc.

 

Just wondering if I should send Coast a copy of the letter I sent them on the 15th Feb which they ignored and then send me the court hearing.

 

Copy attached!

 

Letter to TLT converrted from JPG.pdf

 

Do you know how long I have to file the defence?

I cannot see anywhere on the letter or court forms where it states, im hoping its 28 days!

[surrey_36]

Thanks DX and Ell-enn - Yes the form is N11M

'Defence Form' (Mortgaged Residential Premises)

 

This is regarding a loan that is secured on the property

 

Today I received a letter from the council saying that as my house is going to be reposessed did I want to discuss housing options with them, Coast are definitely winning, im at a complete loss with this and everything

[surrey_36]

Thank you for all your replies and time, extremely kind given the current situation.

 

Situation today for me financially - like many I cannot even pay my mortgage, council tax etc because i'm not able to get into work.  Even If I was still earning I would not be earning enough to offer anything near the month payment instalment.

 

(I am single parent to 2 young children who no longer have contact with their father for horrific reasons)

- as a result I don't receive any maintenance so difficult situation trying to support the three of us, work and support my children through their emotional difficulties following trauma.  

 

Im pretty sure my mortgage company will offer payment holiday (hopefully!) and council tax too but i'm worried about this.

 

Does this mean that unless I can offer the monthly payment somehow the house is at risk?

 

 

[surrey_36]

I haven't told them but if its recommended I do then that's what ill do

 

I really don't want to risk my little house, it would just devastate us and we are so settled. 

I have a bit of equity too - so I really just don't even want to go to court - that's going to be so hard with my anxiety!

[surrey_36]

Hi Ell-enn, I have been making the mortgage payment for the house for the last 7/8 months - including a small amount of £20 towards the arrears.

 

I am also paying council tax (although this months payment has not gone through).  There are no other loans, only small debt with Vanquis.   Have defaulted on 2 small other loans.

 

Otherwise nothing being paid out that does not need to be (apart from Netflix and my Microsoft Office Subscription) - otherwise we manage on the minimum.   Not bought any new clothes or shoes for a long time.   We are healthy and that all that counts but we don't want to lose our home that's for sure

 

Hiya Dx

 

Im pretty sure It was phone calls rather than letters, but ill check.. I remember they called and were extremely friendly and offered at one stage a payment of £3k to settle the debt- which if I had of had that I would have done

 

Hi Peter

Not really any other debts.

Only small credit card about £600 - couple of other accounts defaulted (not massive amounts about £1300)

Value of Property Quick Sale £250

Mortgage £170k +£50K  i owe to my parents for paying for building work a while ago.

 

I really don't even want to look at housing options I really will find that incredibly depressing.  

 

to be honest I'm so stressed out about this whole thing and worried about my parents and family at the moment that,

 

I'm really thinking about just contacting the TLT solicitors and talking to them about what I need to do to get out of going to court because I really don't think mentally i'm in a strong enough place to be able to handle that at the moment. 

 

Its been a tough ride for a while

[surrey_36]

thaks Uncle Bulgaria, appreciate your advice, I did try calling Kensington today but the call was cut off after holding for 70 mins! Ill try again tomorrow.

[surrey_36]

I cant get through to Kensington - 2 hour wait time!

Do you think it might be a good idea to call TLT solicitors and explain that I written to Coast and asked them for the SAR - so I could calculate the charges that were incorrect and then setup the repayment with them - is it worth a phone call to them or not?

 

Also worried that I have not filled in this court form yet (N11M) - I think I have 28 days!

 

[surrey_36]

Hello CAG - I'm sorry for not updating this thread before now. 

Its been a crazy few weeks with the kids at home - very difficult to get on with anything!

 

Good news

- I received a letter from TLT Solicitors saying that the Court Hearing had been cancelled and they advise that I go back to Coast and make an arrangement with them.

 

So, without the full statement of account, I'm now going to write to Coast requesting again SAR/Statement of account so I can go through all these charges and put the spreadsheet together.

[surrey_36]

An update on this thread , received a letter from Coast requesting:

 

Completed Income & Expenditure & 3 months bank statements - I did make a mistake and spoke/or rather listened to them on the phone and they repeatedly used the words 'court hearing', several times if this information was not received.   I requested they put the request in writing and also included the SAR information that I have been waiting for.  I have also sent a letter by recorded delivery requesting this.

[surrey_36]

Thank you London1971 and PeterBard,

I have received a letter today with an invoice for £800 approx for their legal fees for the recent adjourned court hearing.   

 

Yes they have been bullying me for a long time.   

they have used some shocking tactics such as calling my elderly neighbours to ask them of my personal details and work situation and also leaving 'While you were out cards'. 

 

CAG has helped me immensely throughout this over the years. 

The saga continues. 

I wish i was in a position to just settle this up.

 

Should I be sending them 3 months bank statements as they have asked for?

[surrey_36]

Andyorch I have no idea.. Ill upload the doc..

[surrey_36]

Ill just copy bulk of doc:

 

"Our solicitors were instructed as a result of legal action that took place in respect of outstanding arrears on your account.  In accordance with the terms and conditions of your loan agreement, the legal costs incurred below have been applied to your account. 

 

This fee will not attract interest and will not affect your current arrears balance.  This will remain on your account until you pay the fee or when your account is settled."

[surrey_36]

I have received the letter from Coast with an income and expenditure and their request for 3 months bank statements but i have not received the SAR they promised to send, I keep chasing this! Ill write again and request they send it

[surrey_36]

Can anyone offer me any advice in regard to equity.  I have small debts but one 20K secured loan.   I am in arrears with my mortgage by about 7K and I just wish i could get to the equity in the house so that I could clear this amount.   I cannot see how this is possible because of the debts my credit rating is terrible,  but if the debts were cleared my credit rating would repair.

 

I understand Equity release is for over 60's (Im 48) - I have an Interest Only mortgage that comes to the end of its term  in 9 years - so will need repaying by then!

 

Can anyone advise me if there is anything I can do in terms of accessing equity? My mortgage is with Kensington Mortgage Company