Igroup/GE Mortgage + secured Loan + now Engage- beat GE Repo - now Engage Repo **WON** Want to reclaim charges

[Pleasehelpme26]

Thanks for your response.

I know exactly what you mean. I've finally been able to relax with regard to the mortgage, so I don't want to go down that horrible road again.

I've posted the letter this morning. I've also spoken to the cab, shelter and the law centre.

They all said that GE would have a massive problem justifying any more court action. So we will see.

Thanks for your help

[Pleasehelpme26]

Hi everyone,

Don't faint....Had a call from GE Money today.

They have looked into my complaint and listened in on the previous calls and have apologised to me!!!

So we have done an income and expend and they have accepted the promised half payment at the end of the month. Set for one month only with the court order being reset for the following month. I have obviously requested this in writing.

Surprised very much I must admit!!

[Pleasehelpme26]

Hi everyone,
Can anyone please offer any advice? 

My family have got into horrendous financial difficulties in the last 3.5 years.

 

My 3 year old son was diagnosed with leukaemia,

I have been his carer and my husband is self employed.

 

Money has been very very tight and we got into serious mortgage arrears.

 

Last September Engage Credit announced they were taking us to court, although we were trying to sort out repayments with the help of Shelter.

All our proposals(as advised by Shelter) were rejected. 

We kept telling Engage we couldn’t increase the contractual mortgage payment to address the arrears until April when our son finally finished his treatment. 

the judge ordered us to pay a sum on top of the CMI starting on 31.12.18.

We were unable to pay it although we have continued making full mortgage payments via direct debit on the day it’s due. 
We had to complete a financial statement last week and submit it to the court.

Life has improved somewhat and we are now in a position to pay the arrears off within the remaining term of the mortgage.

The statement shows this.

We are back in court on Tuesday and I’m scared that the fact we were unable to pay the extra over the last few months will most definitely not be in our favour.

Please can anyone give me any practical advice?
Thanks

 

To add, we worked with Shelter and we were offering the CMI until April and then planning  to address the arrears.

 

The solicitor on duty in court on the day of the hearing told me there’s no way the judge will agree to that.

So i felt helpless and pushed into saying yes to something I was unable to do.

[dx100uk]

is this your old GE mortgage one now sold to engage par chance?

 

[Pleasehelpme26]

Hi,

Thanks for responding.

Yes sold on after we went to court, went to Engage about 2 months after

in 2013. 

All was well until my son became very very ill late 2015. 

 

Can anyone please  offer me any advice? 

Edited April 14, 2019 by Pleasehelpme26

[London1971]

Talk to your local MP immediately.

Email, phone or weekly surgery. 

Son with Leukemia?

Trying to evict you ?

Unbelievable. 

 

Oh and send a letter to Engage or whoever they are,

 

Notes from consultants, doctors included, treatments , side effects, everything even photo's, telling them you have informed your local MP, the stress is destroying your family.  Please lay off immediately.

[Pleasehelpme26]

Thank you...in court tomorrow 

[dx100uk]

good or bad let us jnow

[London1971]

Fingers crossed

[Pleasehelpme26]

Thanks everyone. Done and dusted in 5 minutes.No costs for me either 

[London1971]

What happened?

[Pleasehelpme26]

We done an income and expenditure which showed be can pay the arrears over the term of the mortgage.

judge agreed it was fine......also said if we get into difficulties in the future and mortgage company won’t listen,  we should go back to court and he’d do his best to amend it for us. 

[London1971]

Congratulations!

 

Pure common sense.victory !!  

[Pleasehelpme26]

Hi there 

I just wondered if anyone is able to offer me any advice please. 

I had a mortgage, and a second loan with GE Money,  which got taken over by Engage/Pepper…it just happened. 

We’ve had large arrears for a while and they are gradually being paid off throughout the term of the mortgages. 

We are having huge problems with the mortgage charges….I have put in a formal complaint and my complaint wasn’t upheld so I will send everything off to FOS. 

My original loan was £56,000 back in 2006 over a 25 year term, the arrears are approx £30,000 and the charges are around £35,000, the total outstanding payable now is twice what was borrowed. 

Pepper/Engage charge a standard £23.50 per month when you are in arrears, so there’s no £35 per letter ect. Everything else is additional interest. 

Does anyone have any suggestions?

I have charges over both mortgages, but the one I have listed is the second loan at a rate of almost 8%.

Thanks for reading 

[dx100uk]

old and new thread merged for history.

 

are both the mortgage and secured loan still active?

 

dx

 

[Pleasehelpme26]

Hi there 

yes both still active, both still in arrears but being addressed. 
It’s the charges, I had such an argument with Engage on Friday….they have an answer for everything. 
Thanks for merging 

[dx100uk]

thats ok i'll trawl through tomorrow

 

but all the charges like arrears/letter/phone/debt management etc are unlawful, and the interest they attracted (the spreadsheets do this for you)

you probably can't reclaim solicitor fees around the various repo attempts but everything else is fair game.

now if you get anywhere is another matter.

 

these might have been an idea to have been bought up at each repo hearing mind.

 

i'd be using the FOSCISHEET for now

you have to enter EACH charge individually and put AVG int rate in cell D15