Am I eligible for mis sold mortgage compensation?

VIGILANT22

maninthestreet wrote: »

OP - why aren't you or your fellow mortgagee living in the flat? Have either of you ever lived in the flat?

http://forums.moneysavingexpert.com/showthread.html?p=20483721&highlight=#post20483721

Thrugelmir

sarahjane88 wrote: »

I now have a baby and family to think about and this mortgage is shadowing my whole life. It must be wondrous to have gone through you're whole life without making mistakes and needing help!!

Life is full of choices. However decisions ultimately are the personal responsibility of each of us.

Rather than seek compensation. Address the matter head on, as the sooner you tackle it, the sooner you can move on in your life.

dunstonh

I got into that mortgage when I was 18 years old. I was young and foolish, had no idea about markets, followed VERY bad advice, and now paying for it dearly.

What was the bad advice?

if that means angling for compensation then I will.

Nothing you have said though has indicated any grounds for redress. A little bit of play on the income figures isnt going to get you any.

Also, if you could afford it when you started, how are you not able to afford it now when mortgage rates have dropped? What has changed in your circumstances for that to have happened? Did you purchase new credit after the mortgage? These are the sort of questions that would be asked.

sarahjane88

Dan_1976 wrote: »

She played with figures but who signed the application to say it was correct. You could have said no!

Very touchy this one, clients and advisers have been doing this together but the adviser is the regulated one and probably will get it if this subjects keeps going.

OP I am not saying you were up to anything or judging you, it is very easy to sign away knowing your getting your dream house!

I understand this, and I appreciate that you're not trying to imply anything.

sarahjane88

maninthestreet wrote: »

OP - why aren't you or your fellow mortgagee living in the flat? Have either of you ever lived in the flat?

Yes I lived in it for a year. Then my hours at work were slashed in half when the recession was bad. (I'm lucky I still had a job!) I could no longer afford to stay there. Council tax, electricity, and food bills were all adding costs. So my boyfriend offered me to move in with him and pay minimal costs.

sarahjane88

Thrugelmir wrote: »

Life is full of choices. However decisions ultimately are the personal responsibility of each of us.

Rather than seek compensation. Address the matter head on, as the sooner you tackle it, the sooner you can move on in your life.

I am hoping to. I want it on the market as soon as it's had a few repairments/minor decoration. This is hard to do when money is tight, and my friend is not interested in helping.

I apologise though that sounded like I wanted sympathy, and I didn't mean that. I just wanted to stress that I made a bad choice and I am paying for it. The post from Sandrock was judgementive and down right rude. Why shouldn't I enquire to see if there may be something out there to help me? I wouldn't have asked if I never saw the advert in the newspaper. Obviously I have got a clear message from everyone that this isn't so.

sarahjane88

dunstonh wrote: »

What was the bad advice?


Nothing you have said though has indicated any grounds for redress. A little bit of play on the income figures isnt going to get you any.

Also, if you could afford it when you started, how are you not able to afford it now when mortgage rates have dropped? What has changed in your circumstances for that to have happened? Did you purchase new credit after the mortgage? These are the sort of questions that would be asked.

The bad advice was from my manager to even buy a house at that time with a friend.

As mentioned above I could afford the flat in the beginning because I had more hours at work. Then they were slashed and it wasn't possible for me to pay the mortgage and the household bills. No, I have no other credit than the mortgage.

VIGILANT22

sarahjane88 wrote: »

As mentioned above I could afford the flat in the beginning because I had more hours at work. Then they were slashed and it wasn't possible for me to pay the mortgage and the household bills. No, I have no other credit than the mortgage.

So how the bl***** h*** can you say " Am I eligible for mis sold mortgage compensation"....aaarrggh

Look up meaning of responsibility....

WTTM

sarahjane88 wrote: »

The bad advice was from my manager to even buy a house at that time with a friend.

As mentioned above I could afford the flat in the beginning because I had more hours at work. Then they were slashed and it wasn't possible for me to pay the mortgage and the household bills. No, I have no other credit than the mortgage.

Sue Halifax - sue your manager - then stop making an !!!! of yourself :rotfl:


MOMENT

VIGILANT22

sarahjane88 wrote: »

Do you even stop to think before words trip from your mouth? You are not only insulting me, but labelling and judging me.

What gives you the right?

You do not know me as a person, or anything about my family and personal life. I am simply seeking advice from a reputable website... which you are kindly trashing with your disgusting attitude.

I am going to repeat... I saw an advert. Why shouldn't I enquire about it????

Maybe you still live in an era where woman are changed to the kitchen, marry and have kids while the man is the bread winner?? Or perhaps it because you think you're so perfect?

What gives you the right? We ask....
Why should you try and ruin (screw) someone's reputation because you have reduced hours and had a kid?.....I wish we had counter suing in this country and people like you would stop trying it on...