hi i need some urgent help and advice pls due to be evicted

[PlanB]

Re: hi i need some urgent help and advice pls

I think the letter writing can wait a couple of days until you've done your research first so you know what to ask and who you should be asking. Can you post up the background based on the papers you've got, and then you'll be approaching Harpmanor and/or the broker to fill in the blanks. You can then draft a letter (with our help) to take to the CAB to start the process of claiming back any overcharges or unfair charges etc.

The priority is to go back to the CAB (if that's been agreed) on Monday with evidence from the bank that the arrears have been paid so the application to cancel the possession order and the Eviction Warrant can be made as a matter of urgency. Check whether you are exempt from the the court fee because you are in receipt of WTC. Find out how you can also inform the Warrant Office at the court so that they don't automatically send out bailiffs on Thursday in ignorance of your application and the arrears clearance.

It would help if your post shows a history of events (the CAB will need to know this too) such as:

Lender: Harpmanor

Broker: who sold you the loan? Crystal Mortgages

Loan amount at start: £100k?

Amount so far paid back: £140k?

Interest rate at start:

Interest rate changes since start with dates:

Court action: date possession order and dates of all the Eviction Warrants since

Is the loan in joint names with your wife: Yes

Were you both working when you took out the loan:



That should take care of your day off work today

[transformer999]

Re: hi i need some urgent help and advice pls

Sound information from PlanB as always , and I agree with her jimmyq...and you need to gather all the info she has said above before we can help with any letter writing.

Once you have gathered all this info it will be easier for the CAB to help you properly.

[helmsman]

Re: hi i need some urgent help and advice pls

Hi Everyone,
Just catching up well done Jimmy hope everything goes well, well done Plan B well deserved praise and I know you will be a great asset as usual all the best from me too,

[jimmyq]

Re: hi i need some urgent help and advice pls

I think the letter writing can wait a couple of days until you've done your research first so you know what to ask and who you should be asking. Can you post up the background based on the papers you've got, and then you'll be approaching Harpmanor and/or the broker to fill in the blanks. You can then draft a letter (with our help) to take to the CAB to start the process of claiming back any overcharges or unfair charges etc.

The priority is to go back to the CAB (if that's been agreed) on Monday with evidence from the bank that the arrears have been paid so the application to cancel the possession order and the Eviction Warrant can be made as a matter of urgency. Check whether you are exempt from the the court fee because you are in receipt of WTC. Find out how you can also inform the Warrant Office at the court so that they don't automatically send out bailiffs on Thursday in ignorance of your application and the arrears clearance.

It would help if your post shows a history of events (the CAB will need to know this too) such as:

Lender: Harpmanor

Broker: who sold you the loan? Crystal Mortgages

Loan amount at start: £100k?

Amount so far paid back: £140k?

Interest rate at start:

Interest rate changes since start with dates:

Court action: date possession order and dates of all the Eviction Warrants since

Is the loan in joint names with your wife: Yes

Were you both working when you took out the loan:



That should take care of your day off work today

i gave them all this info when i went in took the agreement with me aswell as possession order and eviction notices they have taken copies of them all

[PlanB]

Re: hi i need some urgent help and advice pls

hi thanks for this i have a day off tommorow and would like to write all the letters etc tommorow so if you can get everything together for me please it will be appreciated

thanks

If you've already given all that information to the CAB then they can help you write those letters instead of us. I do hope you'll be able to recover all the legal costs associated with those multi Eviction Warrants that Harpmanor got issued when they weren't entitled to them once you'd satisfied your original possession order

While you're at the CAB check whether you may be entitled to claim SMI (Support Mortgage Interest) to help with your first mortgage and/or any other benefits while you are on a low/no income

Keep us posted on your progress which will hopefully be all good news from now on

[lookingforward]

Re: hi i need some urgent help and advice pls

So pleased things are looking up Jimmy, and well do PlanB, as someone who is always on the edge with mortgage payments I will look forward to the new section immensily

[jimmyq]

Re: hi i need some urgent help and advice pls

hi went down today they have all the forms ready for the court etc will be clearing the arrears in the morning as for the letters they want me to give them some solid points or even better for me to write the letters then they will check and ammend them if needs be ?

[PlanB]

Re: hi i need some urgent help and advice pls

I would wait until you're certain the court has cancelled your Possession Order and the Eviction Warrant before writing to Harpmanor. Will the CAB definitely process that for you today Don't risk making Harpmanor angry until you know that's in the bag in case they approach the court at the last minute with something that puts a spanner in the works.

When you write to Harpmanor you need to get the wording right. You have already made a complaint so you need to avoid this looking like the same complaint again or they won't answer you saying they've already dealt with it. Make it look like your seeking information such as "Please provide me with a copy of my application form . . . please show me where it says in my credit agreement that I should be paying interest at 24% . . . . and letters charged at £45". That sort of thing.

When you get their response you can rip it apart in your second letter

[PlanB]

Re: hi i need some urgent help and advice pls

It might be wise to ring the court's bailiff office to check that they'll be no visit to your home from them tomorrow in case Harpmanor haven't told them there is no need or the message hasn't filtered through. All the numbers you need are on this web page and the court office closes at 5 pm (it opens again at 8 am tomorrow) http://county-courts.co.uk/bradford-...-court-centre/

If they do turn up don't panic but you can call the police. This link should help you http://forums.all-about-debt.co.uk/showthread.php?t=26

I'm sure it will be fine but let us know everything is ok

[PlanB]

Re: hi i need some urgent help and advice pls

I've had a message from Jimmy who's at the court now but he'll post up later. It seems that the eviction was scheduled for 1 pm today and the court had no message from Harpmanor to cancel it so the bailiffs were already out and on their way to his home when he called the court to check

The CAB intervened after Jimmy rushed to the court and it's been stopped only 40 minutes before it was due to take place

Harpmanor deserve all the sh*t they'll get thrown at them now

Well done to Jimmy for sorting this crisis

[jimmyq]

Re: hi i need some urgent help and advice pls

hi what a nightmare this has been i phoned the courts spoke to the enforcment team who told me the evictions not been cancelled tried getting through to harpmanor who said its cancelled and they have informed the courts. The lady from the cab also rang me saying she spoke to the courts and the evictions still going ahead so i shot down to get the n244 form and hand it in i was in the court and only 40 mins left when they recieved the fax to cancel it. Not happy at all had to take 2 tablets to stop me panicking

anyhow its cancelled eventually and ive handed the n244 forms in alongside a reciept of payment and the mp's letter to try and get the original possesssion order cancelled they said they will write back to me within 5 days and let me know whats going on.

Now i need to write them letters and start to get the ball rolling i hope i can get the charges waived and soon end the misery and stress me and my family are going through. once again thanks to everyone who is helping and involved in this situation especially planb for motivating me

cab have draughted me some letters too but told me to ammend if needs be ill be dealing with these tommorow as for now time for a break and get my heart rate back to normal thanks!

[Spent2much]

Re: hi i need some urgent help and advice pls

I've had a message from Jimmy who's at the court now but he'll post up later. It seems that the eviction was scheduled for 1 pm today and the court had no message from Harpmanor to cancel it so the bailiffs were already out and on their way to his home when he called the court to check

The CAB intervened after Jimmy rushed to the court and it's been stopped only 40 minutes before it was due to take place

Harpmanor deserve all the sh*t they'll get thrown at them now

Well done to Jimmy for sorting this crisis

I'm not one for swearing and my hubby hates it when i do, but in this instance i think Harpmanor are bastards for the way they are treating this poor family

[Spent2much]

Re: hi i need some urgent help and advice pls

hi what a nightmare this has been i phoned the courts spoke to the enforcment team who told me the evictions not been cancelled tried getting through to harpmanor who said its cancelled and they have informed the courts. The lady from the cab also rang me saying she spoke to the courts and the evictions still going ahead so i shot down to get the n244 form and hand it in i was in the court and only 40 mins left when they recieved the fax to cancel it. Not happy at all had to take 2 tablets to stop me panicking

anyhow its cancelled eventually and ive handed the n244 forms in alongside a reciept of payment and the mp's letter to try and get the original possesssion order cancelled they said they will write back to me within 5 days and let me know whats going on.

Now i need to write them letters and start to get the ball rolling i hope i can get the charges waived and soon end the misery and stress me and my family are going through. once again thanks to everyone who is helping and involved in this situation especially planb for motivating me

cab have draughted me some letters too but told me to ammend if needs be ill be dealing with these tommorow as for now time for a break and get my heart rate back to normal thanks!

Hi Jimmy, the way you and your family are being treated by this company is sick and my heart to goes out to you all, I hope this will be finished soon so you can all get back to living life once again, hopefully you will be rid of this horrible company who should be closed down in my opinion.

Thanks for keeping us informed all the best to you all x

[jimmyq]

Re: hi i need some urgent help and advice pls

Hi Jimmy, the way you and your family are being treated by this company is sick and my heart to goes out to you all, I hope this will be finished soon so you can all get back to living life once again, hopefully you will be rid of this horrible company who should be closed down in my opinion.

Thanks for keeping us informed all the best to you all x

hi thanks for your kind words and support i just hope with the help of everyone here , the letters i will be sending them have some impact on them i cant wait to see the last of them and just get my life back instead of looking at my wife and kids all the time and thinking whats going to happen to them.

ive also contacted some well known solicitors today who deal and specialise with Consumer & housing disputes. ive sent them the agreement and also got a meeting booked on monday afternoon with them to go through all the paperwork and contract etc. if they say there is a chance to challenge the charges and rates etc ill be letting them deal with it too

[jimmyq]

Re: hi i need some urgent help and advice pls

is it a good idea for me to paste the letter the lady from CAB has wrote for me here ? i would like some more points adding to it if possible as it seems too lenient

i want to ask stuff like why

they keep phoning and writing me letters after they have an eviction date in place?

how does it cost them £26k in renewal fees and £35 a letter or £35 a phone call!!

On what grounds they gave me this loan?

why does crystal mortgages have access to my account and payments?

who are cystal mortgages?

who is blemain and why ive had letter from them when my agreement is with harpmanor?

who is monarch recoveries ?

why was'nt i advised about all the charges and fees aswell as 24% interest rate?

why they still want more money after recieving over £145k back on a £105k loan

and why i feel like killing myself for getting into this mess!!!!

please feel free to add to this