Loan Maker Broker & Advantage/ADV2/Paragon Secured 2nd charge Loan - now with Mars

[morgan8080]

Hi

i have been on hold with things due to family illness

 

i am yet to fill out CISS sheet and take things further , been paying mars each month -

 

had a call today to  review things and can i get a remortgage with someone else as my interest isn't covered each month on the arrears.

 

There is an SPO in place which still has 2 years left i said and i pay £146 extra a month 

 

I am going to sort things BUT in the mean time can they change the SPO amount ?

 

i thought it had to be in place for the 6 years and they couldn't change  it? 

 

they also want income / exp to see if i can pay extra.. giving me 14 days to make an appointment with a mortgage advisor to see what i can do to pay it off or remortgage... apparently they are trying to help me.

 

I filled a complaint about the call and asked to speak to manager and he didnt know what to say.

 

I will not talk further i was caught off guard and i should in future not talk i know this but letters are often so vague and threatening i never know what they mean

[dx100uk]

On 13/05/2021 at 14:26, dx100uk said:

Sit on your hands

do not ever write, ring, answer the phone or respond in anyway unless we say so.

Going round in circles again .

 

They would have to return to court 

If they ring. Stop say writing only. Put the phone down 

 

Get that cisheet done 

You probably owe nothing 

 

Dx

 

 

 

 

[morgan8080]

I made a complaint,

i said to them that i will be paying what the SPO says and i didnt appreciate them trying to make me remortgage ,

 

I am just worried that since they have the SPO they can go for court hearing and a repossession.

 

I just need to get this sorted now but they make say that all the charges are lawful ,

 

i dont know how to argue that

[dx100uk]

well you didnt ask did you...what complaint did you send and when...

 

get the CIsheet done please

how much do they owe you?

 

let it goto court and slap the CIsheet infront of the judge..here mate..i'm not paying another penny they owe me...

 

ofcourse these fleecers will say their unlawful penalty charges are lawful, they're the ones that are charging you them you from day one.

 

dx

 

 

[morgan8080]

i just said i would like this call raised as a complaint as i dont appreciate being forced into a remortgage and how its been handled.

 

Is it right they cant change the SPO or make me pay more? can they make me do an income / exp? they say they have to have a review

[dx100uk]

All of this has been discussed already in this thread several times 

 

 

Remortgage.  Oh right and make their fake balance with all the penalty secured and legal.. stop talking on the ruddy phone.. each time you say I won't and you do and it spooks you..

 

Dx

[morgan8080]

i get anxious as letters are worded so scarily... i just want to know my rights while they try and make me put my payments up, i am right in saying they cant change a SPO?

 

just spoke to a shelter advisor

 

you will already know all this.

 

1) i dont have to up my payments i just comply with what the court ordered amount is

 

2) i can apply for a variation but so they can they , but if i can show its not affordable to me they wont bother

 

3) Them telling me to remortgage etc is just a bullish tactic they have and take no notice

 

4) I dont have to complete their income / expenditure i can do my own financial statement 

 

they had wanted me to do their income / exp , send bank details and do a credit search??

 

when they call back later today , i will just say everything in writing from now on, i will not be answering any calls, i will put this in writing , though am sure i did years ago

[dx100uk]

Why not just block their number totally 

 

Stop being a dumb debtor and take control 

 

Have you every statement from day one now 

 

Time to hit back hard 

 

Dx

[morgan8080]

no i only have the early ones not from this company ,

my SAR was never delivered as i put wrong address ,

i am going to send SAR today recorded delivery

 

i have statements from first company , need paragon too.

Once i have these it'll take me weeks and weeks i suspect to add all to the CI sheet. 

 

I am hoping to not owe anything but i am prepared to pay a small settlement fee

 

as much as i want to sort this i am quite an anxious person who has suffered badly and been quite ill so have always held back from rocking the boat too much but its a crippling debt, i just dont want to lose my home

[dx100uk]

You cant

your main mortgage is with halidax.

 

please get every statement.

this has been going on for 13yrs now

and youve still never bothered to do what people advised from day one.

 

Sar!!

reclaim

 

 

[morgan8080]

ive just always been scared to

 

So .. SAR and sort that out

shall i also re-put in writing that to contact me by letter only

 

shall i send in my own financial statement ( my own step change income / exp ) 

 

manager just called back - i said ill be paying my court ordered amount and myself and husband will not be taking calls and wish everything to be in writing going forward.

SAR printed - going in post at 4pm

 

Thank you for giving me the boost again - i dont feel scared they will go for me as i have been paying not missed any payments and hopefully in the next few months we will be free of this ,

 

though not sure how i enforce this once i see whats been paid in fees / charges and what i still owe? am unsure how much interest i am expected to pay ... do i ask for it to be looked at in court or just write to the company itself

 

sorry what do you need , how do i give you every statement ..? 

[dx100uk]

you do neither.

 

if they want their pound of flesh - as i said numerous times before , you let them goto court.

 

23 hours ago, dx100uk said:

let it goto court and slap the CIsheet infront of the judge..here mate..i'm not paying another penny they owe me...

 

we need to see in ONE MULTI PAGE PDF

every statement from DAY ONE

from every company that has ever had their hands on this debt.

 

in 13yrs despite being told over 30 times to SAR everyone you never have

and have never posted the statements here.

 

13yrs waste of our time till you do.

 

read upload.

 

 

[morgan8080]

I dont think i am wasting your time , i just needed advice and i always never got as far as doing the CI sheet.

Everything is sent and hopefully they will send it all , do you think they will try take to court in the mean time?  or try get more money from me eg.. try change the SP order in court

[dx100uk]

Havent to date.

 

Dx

[morgan8080]

Just wondering if this new tactic of saying my payments don’t cover or will pay off the loan in time is to make me pay up as they want rid of the debt with them being classed as a vulture fund ( something like that )

 

I think though they may not as I can’t see the judge siding with them when I have been paying ?

Is this right ?

 

You have so much more experience and know what judges and companies like this do

 

Meant to say I just have to hear some positive thoughts and it gives me the determination to fight but I don’t want to be fighting for nothing 

[dx100uk]

The cisheet will be a very good insurance policy .

 

Stop worrying about court, that's the best place for this to be, as I said before - expose them and you get to do it free of charge too .

 

Dx

[morgan8080]

But what if they try get to court before I have all the SAR details etc to hit them with

can I ask for more time .. say I have been paying SPO I can’t afford to up my payments but show evidence so far of the charges - can I be given more time

[dx100uk]

As you already know it takes months to get you in court.

 

 

[unclebulgaria67]

@morgan8080

 

It may help others, if you can please provide a summary of where you are with the debts that are the subject of this thread.

 

 

[morgan8080]

When going through statements what do I class as the unlawful penalties or do I add up ALL the charges 

[dx100uk]

fixed sum penalty fees...£12 3£0 £40 etc etc.

letters/debt collection/visit/arreas/phone call/it's raining today- your fault etc etc

[morgan8080]

Hi ive had no paperwork back from MARS and a phone call today from paragon saying it will be a week late - how do i proceed as its over  a month

[dx100uk]

Can't hurt to wait a week only 

 

Dx

[morgan8080]

ok will do

[morgan8080]

I have all the SAR documents so am ready to go. Where is the CIS sheet and is now a good time to take them on or will they as a vulture fund be praying on everyone who cant afford to pay their mortgages.