Eviction due to secured loan

gerryscot

dfh wrote: »

Margaret Thatcher said that ultimately we are all individuals and we need to take responsibility for our own actions.We just cannot turn round and say that just because society has thrown common sense out of the window,I will do the same.Another common phenomenon seen in today's world.Blame others and evade responsibility.

You really are a sad individual, however please feel free to get enjoyment out of my misfortune, I have morals and refuse to lower my standards to your level.
I am intrigued as to why you spend so much time posting drivel on threads instead of working. Are you unemployed ????

gerryscot

happybroker wrote: »

is it just me or is this all getting rather silly now??

OP glad you got sorted by the way and all the best to you.

I'm sorry i do agree with you. I shouldn't continue replying to his comments. I just find it very disrespectful to have someone
insinuating that i'm a dishonest person who is trying to use my illness as an excuse not to repay my debts.

I originally posted the thread to get some advice as to how to deal with the court proceedings and I'm extremely grateful to everyone for their help and support.

dfh

Prevention is better than cure and the same applies to finance.We need to plan ahead for different eventualities which saves us a lot of distress in the long run.I am often amazed at how financially naieve we all are.It ends up costing them more and causing a lot of distress.Maybe we should introduce that as a topic in school.Re-inforce time and time again-always read the documents you sign.They are legally binding.Always think about how you will pay if you are unemployed or ill.
And if you find this offensive,please feel free to report and get it deleted.

Another funny thing about this website is the number of people who say they definitely wont post anything more and cannot stick to their word !

NickDurham

dfh wrote: »

Prevention is better than cure and the same applies to finance.We need to plan ahead for different eventualities which saves us a lot of distress in the long run.I am often amazed at how financially naieve we all are.It ends up costing them more and causing a lot of distress.Maybe we should introduce that as a topic in school.Re-inforce time and time again-always read the documents you sign.They are legally binding.Always think about how you will pay if you are unemployed or ill.
And if you find this offensive,please feel free to report and get it deleted.

I feel we are ignoring a further offence to our eyes and brains, caused by a lack of space between every full stop and the start of the next sentence in EVERY ONE of your posts!

dfh

When my mother developed Alhzeimer's we knew that it was a terminal condition so sorted out her financial affairs while she still had the capacity for it.We cared for her for two years untill she got so bad we had to have her in a nursing home.Before we started to take care of her,me and my husband sat down and worked out our finances and our financial committments.I left full time work and took on an evening part time job.We made sure we could meet our financial committments even if it meant working unsocial hours.

cheesedoffwithdebt

Mrs_Bumble wrote: »

The comments on this thread were nasty, and downright offensive and I personally haven't seen anything like it before.

I am all for free speach and plain speaking but to be deliberately nasty, it is uncalled for.

Glad things worked out for you in the end Gerryscot, very pleased for you!

Look after yourself

HI I've just read through this thread and would endorse Mrs Bumble's comments- on the whole people who post here are friendly and supportive, does the malicious person not realise how desperate some people are who come on here? I am so pleased for the OP and that he still has his house- must be such a relief all the best xx

dfh

It is indeed awful the state some people find themselves in.That is why it is so important to think of all eventualities when we take out credit.At the time of taking out credit we may have a nice job but we need to think-what happens if I lose my job? That way we can save ourselves a lot of distress later.

That way we can save ourselves from having to arrange DMP's and paying our hard earned money to these companies.

gerryscot

Updated conclusion

Just wanted to update this post with the conclusion and say a huge thank you to everyone who helped and support me. :A
:T :T
Shelter put a stop to the court action for eviction (I didn’t attend but I believe the sheriff chased them from the court in disgust). Financial Ombudsman’s were a great help they upheld my complaint regarding the dispute with Black Horse about interest charges in settlement figure, they refunded all interest charges, court costs and also awarded compensation for inconvenience and distress. The total amount was £5,200. :j :j :j
I am at the final stages of a Scottish Government Mortgage to shared equity application to settle the balance of the secured loan. I’ll still have equity left in the property, and its such a huge relief to finally get it sorted. :T :T

Thanks again :grouphug:

Gerry x x :smileyhea

diable

Congratulations, it must have been a Christmas filled with relief and happiness, good on you and all that helped as that is what this forum is about.

gerryscot

diable wrote: »

Congratulations, it must have been a Christmas filled with relief and happiness, good on you and all that helped as that is what this forum is about.

Thanks diable it took two years to get ir sorted but was worth persevering with FOS regarding the interest charges dispute.

They guys on MSE were a fantastic. :T :T:T Some people get so caught up on some of the nasty sarcastic posts on the forum they forget how much help the member’s actually provide for people. :T :T

Gerry x