Help please im on tears

narabanekeater

just thought id give myself a little bump

narabanekeater

Please please anyone!

exessexmum

narabanekeater wrote:

Please please anyone!

Sorry, but what more do you want to hear? (I mean that genuinely, not sarcastically) Homersimpson has given you the link to the info you need. If you want any more info, you need to ask for it specifically, rather than just bumping your thread up as people don't know what info you are after and therefore can't help you.

viktory

You do have my sympathies but the first thing I would do is tell hubby to stop shouting. It achieves nothing and makes you feel even worse. He should be supporting you and helping you find some resolution here.

Hope you sort it (and him!) out soon.

narabanekeater

sorry but homersimpsons link doesnt load on my computer
Hence me asking for a little more help
We dont rent we have a mortgage but are paying a good 3% more that what we need to
Sorry for bumping up my thread but as I couldt get that link to work thats why I did it

HLK

Try these llnks here
and also read Martins article here

good luck

Iona_Penny

If you have got something in writing about this debt ie that shows the original debt was for £39 then go and visit the bank who you hoped to get the new mortgage from and explain. Had they agreed the loan in principle before YOU told them about the default? It is still possible they can lend you the money if they are confident about the problem. This has happened to me so it can be done; if they can't help go to a smaller building society and try.

Try and get a letter from Centrica/Ontel confirming the debt is paid; also ask Experian to send you a form so you can challenge the information, they then contact the company for you. Don't despair, just explore all options. Personally I think threatening legal action at this stage will be non-productive for you.

black-saturn

Make sure your hubby apologises and treats you well before you buy any house with him.

narabanekeater

Just a couple of questions if I may.
Does a company have to tell you and issue you with a default notice? If so they havent.
If the above is the case is there an act or something to say this?
Also I have singed like I said no credit aggrement with them. All I gave them was my name and address so do I have any standing there.
Is it reasonable for me to say that if they had contcated me by phone or letter then I could have sortred this out before I go inot this mess.
Thanks very much for the links am just going to try them

narabanekeater

a VERY big thanks you to all of you. Its been removed yesterday and my credit repost it now clear. Im awaiting a call back from the bank confirming that we can remortgage.
You people are all fantastic