our house

[Spent2much]

Re: our house

It's always good to have a Plan B in the background


If the mortgage company starts to put pressure on you about the arrears then make a formal complaint and then after 8 weeks it's off to the FOS which means that they can't start possession proceedings because the FOS says " we may ask a lender whether it is willing to delay proceedings while we consider the complaint " which we all know takes about a year to trundle through their system. Firms which are signed up to the FOS scheme are expected to toe the line

http://www.financial-ombudsman.org.u...ip.html#header

thank you good to know

[Pixie]

Re: our house

Things are looking brighter S2M

[PlanB]

Re: our house

. . . looking promising, hubby is feeling confident that business is picking up again, but also feels relaxed knowing we can claim jsa and smi if needs be.

It's always good to have a Plan B in the background


If the mortgage company starts to put pressure on you about the arrears then make a formal complaint and then after 8 weeks it's off to the FOS which means that they can't start possession proceedings because the FOS says " we may ask a lender whether it is willing to delay proceedings while we consider the complaint " which we all know takes about a year to trundle through their system. Firms which are signed up to the FOS scheme are expected to toe the line

http://www.financial-ombudsman.org.u...ip.html#header

[vint1954]

Re: our house

Things are looking up s2m

[Spent2much]

Re: our house

we are sending the form in with the bank statements and the business books and anything else they want, if they question the bank statements we can honestly explain what the transactions are so nothing to hide here .

We just received an order from a local company to unlock a load of mobile phones which has already made us half the mortgage for this month, so this is excellent news for us , hubby also had a word about lowering the rent for the stall and that's looking promising, hubby is feeling confident that business is picking up again, but also feels relaxed knowing we can claim jsa and smi if needs be.

i also just got some extra cash a week doing ironing , i hate ironing but it makes money so who cares

I had a few calls about the room also so things are looking better .

[PlanB]

Re: our house

But JSA isn't the answer to everything PlanB...I've really been struggling to live on it

I agree. JSA is a pathetic and insulting amount of money to expect people to actually survive on it let alone "live"

Maybe it would still be a good idea for S2M to use it as a short-term tool to get things stabilised with her CCJs and her mortgage before signing off to run her new online business and B & B or fill the house with lodgers

[Pixie]

Re: our house

But JSA isn't the answer to everything PlanB...I've really been struggling to live on it

[PlanB]

Re: our house

Just re read your post, the charge on the house is £27.77 and the ccj is £3.89 a month so reducing them to £1 each will pay the arrears off the mortgage .

My point was that once you're in receipt of benefits you won't have to pay the court application fees or produce bank statements as far as I'm aware. Your CCJ's could get reduced to £1 too. And you'll get full Council Tax rebate etc. Sign on for JSA or any appropriate benefit and that'll be the gateway for everything else including getting your mortgage interest paid I'm keeping the title of this thread at the front of my mind

I know you said you wanted to wait two more weeks in case the business picks up again, but you also worry about your hubby's migraines caused by all the stress of this

[Spent2much]

Re: our house

Does it make sense to invest £80 simply to get your CCJ payments reduced by £3 I wonder what would happen if you told the creditors you can't afford more than £1 a month for the next 6 months and you are in the process of making an application to the court to formalise this. Once you're in receipt of benefits I think it's an automatic right for you to not pay court fees. I'm only looking at tactics so wait to get the hard facts from someone else who knows more about these things

Just re read your post, the charge on the house is £27.77 and the ccj is £3.89 a month so reducing them to £1 each will pay the arrears off the mortgage .

[PlanB]

Re: our house

Does this post by Pixie help

http://forums.all-about-debt.co.uk/s...58&postcount=2

Get your benefit applications in if I were you

[Spent2much]

Re: our house

Does it make sense to invest £80 simply to get your CCJ payments reduced by £3 I wonder what would happen if you told the creditors you can't afford more than £1 a month for the next 6 months and you are in the process of making an application to the court to formalise this. Once you're in receipt of benefits I think it's an automatic right for you to not pay court fees. I'm only looking at tactics so wait to get the hard facts from someone else who knows more about these things

My hubby just pointed a few things out about the statements, and the transactions for the stock came out of the business we just use the account by using the debit card as it saves money on a business account .

He also pointed out that the mobile phone top up comes out of the business and is all accounted for in his books which the council have seen for council tax benefit and also working tax know about .

Hubby is cancelling virgin media and the landline and he is going to buy a dongle for the internet which cuts the cost down also , and the home insurance will be bricks and mortar only form October which saves £14 a month, the account statement also has £ 32.66 showing to payplan from last month, the thing is the court is asking for 3 months statements and our situation deteriorated during the past few months so how do i explain this to the court, the good thing showing on the statement is that we made two seperate payments to kensington in the same month which shows we are struggling.

I know what you mean about the £80 , but the only other alternative is to just put the statements into the court and if they question it we will have to justify it .

[PlanB]

Re: our house

Does it make sense to invest £80 simply to get your CCJ payments reduced by £3 I wonder what would happen if you told the creditors you can't afford more than £1 a month for the next 6 months and you are in the process of making an application to the court to formalise this. Once you're in receipt of benefits I think it's an automatic right for you to not pay court fees. I'm only looking at tactics so wait to get the hard facts from someone else who knows more about these things

[Spent2much]

Re: our house

I think we will have to pay the court fee of £40 for the variation because we have to show 3 months bank statements and i just looked at them and they have some transactions where we baught stock for the business and some other things on there too , such as the car insurance which my mum pays , also virgin media which was nearly £40 a month until we took the phone off to keep costs down, my son has a catalogue account which i pay with my debit card online and he gives me the money which is also on there one of the transactions is £150 , he forgets to pay and then gets charged so he gives me the money each month and make sure it is paid , so this is on our bank statement and looks like we are telling lies when compared to our income and expenditure .

So think we might pay the £40 fee for the charge and then next month pay another £40 fee for the ccj variation

[Spent2much]

Re: our house

it would ease the burden if kensington would change the rate to a lower one , can't see that very likely

[PlanB]

Re: our house

You know what i really feel things are looking up again especially applying for the variation on the two remaining priroity accounts , if this works out it will help others who might be in a similar situation and they will know there is a way through and a light at the end of the tunnel

There is indeed a light at the end of the tunnel and I can assure you it's not an express train coming towards you either

Next time you've got nothing to do read how the FOS regularly upholds complaints against rogue lenders who don't treat customers fairly when they have mortgage problems

http://www.financial-ombudsman.org.u...rs.html#header