Frightened about my future - part 2.

jinny

mouseann wrote: »

Don't they do buy ten, get one free????

Incidentally, postie arrived about half an hour ago (he doesn't ger any earlier!)

Nothing to report, or scan. Just a couple of default notices from Mercers telling me what MAY happen if I don't contact them. Will make sure that they are scrupulously filed!

EEEEh what a carefree life you lead now ann:rotfl:
only joking!!! but good times are coming pet
SW its a bit like big bro on here I cud be the commentator...
Daay fower in the big bruther hoose!!! ......having a few vodies can you tell hic

pixiechick_2

jinny wrote: »

EEEEh what a carefree life you lead now ann:rotfl:
only joking!!! but good times are coming pet
SW its a bit like big bro on here I cud be the commentator...
Daay fower in the big bruther hoose!!! ......having a few vodies can you tell hic

I will NOT watch the rubbish that they call Big Brother. I watched the last few days of the very first one to see if Craig won because he was giving the winnings to his Down's Syndrome friend.

Off to a friend's house to watch the Uraguay v France match. I'm with Fitzer on this one - S. Ireland was robbed so I hope France get stuffed!!

Unforunately will have to be drinking vitual lager as friend is a recovering alcoholic. Ann, I do like wine too but, if it's a football match, then only lager will do! :beer:

jinny

enjoy the game pixie dont think anyone is watching this one either I lost interest years ago it was getting silly. i like wine as well but have discovered by my WW friend that vodka is less points/calories so having a few making them into long drinks though in a long glass with ice and slice and diet tonic hic!! :beer:

jinny

i see the've decorated Martin.....thats great but I think it makes him look a bit scarey like JASON!!!!!

mouseann

di3004 wrote: »

Good afternoon all.

Been going through the mortgage DSARN AGAIN........from C&G, as we remortgaged in 2007, received a letter back as well this morning in relation to a letter I sent them.

The application income details are wrong and not hand written like the main of the form, where some are hand written by the adviser at lloyds and the rest of it possibly underwriters, but they had my hubbys income on over double than he was on.

I did write about this when we first received the DSARN last month, and the letter received today stated, that they went by the previous year by bank statements, and not by the current time of taking out the application as such, because my hubby did tell the adviser the plant were making redundancies, ages dropped due to no work and shifts went to days, so allowances were stopped and then a few months down the line the company went into administration!

However, I have calculated the bank statements from the time they said they did and they are still wrong and overestimated.

They have £28K down for hubby and £11K for me, well I was only receiving the children's benefits and hubby brought home less than £16K, they then said they worked it out by £21K as this is what it would be as Gross wage!
How on earth could It be on that stated amount!
How do they work that out, they did not want to see anything at the time of application, and stated they had gone by the bank statements.

For curiosity, should they be taking the children's benefits into account for a mortgage application anyway?

There is more to it, I could go on for ever!!!:mad:

oops sorry for my long post.

My goodness, Di,

It does sound very complicated!

Unfortunately, I know nothing at all about mortgage applications - have had mine for nearly 17 years now and things have changed since then.

However, my first reaction to your query about your children's benefits being taken into consideration is that I would have thought that was categorically not allowed! After all, their allowances are (presumably) time-limited. Obviously, I don't know the length of your mortgage term but I would have thougt that it would go on for a lot longer than your children's allowances would.

Well, that's my 10'ps worth!

mouseann

pixiechick wrote: »

I will NOT watch the rubbish that they call Big Brother. I watched the last few days of the very first one to see if Craig won because he was giving the winnings to his Down's Syndrome friend.

Off to a friend's house to watch the Uraguay v France match. I'm with Fitzer on this one - S. Ireland was robbed so I hope France get stuffed!!

Unforunately will have to be drinking vitual lager as friend is a recovering alcoholic. Ann, I do like wine too but, if it's a football match, then only lager will do! :beer:

I can honestly say that I have NEVER, EVER watched Big Brother.

Don't watch much telly anyway.

And, Pixe, I vaguely recollect some sort of controversy over France versus Ireland and there was some sort of appeal? (I am a news addict - always glued to News 24)

mouseann

jinny wrote: »

EEEEh what a carefree life you lead now ann:rotfl:
only joking!!! but good times are coming pet
SW its a bit like big bro on here I cud be the commentator...
Daay fower in the big bruther hoose!!! ......having a few vodies can you tell hic

Thanks for the good wishes, Jinny,

I certainly hope the good times are on the way - was a bit apprehensive last night because I had no idea what Nid would make of all those documents. I kept quiet about it last night but was overjoyed when I read Nid's post this moring!

And we re getting a bit like Big Brother on here!

jinny

Imagine you being interviewed by Davina showing all your best bits!!!!!
no we are much more interesting on here and anonymous!!!! thank goodness

jinny

off to watch tv talk later

di3004

mouseann wrote: »

My goodness, Di,

It does sound very complicated!

Unfortunately, I know nothing at all about mortgage applications - have had mine for nearly 17 years now and things have changed since then.

However, my first reaction to your query about your children's benefits being taken into consideration is that I would have thought that was categorically not allowed! After all, their allowances are (presumably) time-limited. Obviously, I don't know the length of your mortgage term but I would have thougt that it would go on for a lot longer than your children's allowances would.

Well, that's my 10'ps worth!

Thank you Ann.

That is exactly my thoughts as well.

However, on the letter I received in the post from C&G today they have stated they have done their best to resolve these issues to answer the points raised with them, and it would help to talk through any of them directly by ringing them, and if there is anything else we can do for us let them know, then they go on to say, if they hear nothing by 8 weeks from us from the date of the letter dated 10 June 2010 they will assume there is nothing more and they will close their file.

Then they say........

If you remain unhappy contact me again and I'll try my best to reach an agreement with you, but if this isn't possible we'll review your complaint and confirm what our final response will be.