Frightened about my future - part 2.

never-in-doubt

jen_br wrote: »

Morning Everyone... Postman came about an hour ago and I got a respone to Niddys Letter... finally... Looking forward to tuesday when hes back lol...

How is everyone

Hiya

I'm already back..... what's happened? Tell me more

never-in-doubt

di3004 wrote: »

I see that Niddy is online folks.:D

savingwannabe wrote: »

Poor thing. He must have so much to deal with. I get scared when i look at his thread it is all too complicated for me..

di3004 wrote: »

LOL, yeah I bet everyone have been waiting for him, poor guy.:eek:

I was hoping (when he has a minute - when he does have a minute that is bless him), if he could just answer a question in regards of my remortgage post I posted a few days ago:
If the adviser should have included in my children's benefits onto the application? and a few other issues, the income was wrong as well!!

Hiya :beer: :beer:

Niddy is just working on legal stuff right now - trying to rip apart the 2 judgments and decifer them into laymans - ermmm, head mashed is the call of the day me thinks

Just popped in here cos i'm having a quick break - me brain is deed! :rotfl:

Hope you're all alright......

Di, what do you need help with?

mouseann

never-in-doubt wrote: »

Hiya :beer: :beer:

Niddy is just working on legal stuff right now - trying to rip apart the 2 judgments and decifer them into laymans - ermmm, head mashed is the call of the day me thinks

Just popped in here cos i'm having a quick break - me brain is deed! :rotfl:

Hope you're all alright......

Di, what do you need help with?

Hi Niddy,

Welcome back!

And good to hear from you.

Hope you had a good weekend and visit with your relatives.

This sounds very complicated - good job you are able to interpret it for us all!

Have you been able to bring yourself to watch any of the football yet - or does it have absolutely no interest for you?

And, please, don't work too hard!

never-in-doubt

Guess nobody is here - oh well, see you all tomorrow night. Have a good night!


*Swanfan - your texts get worse mate! For an Englishman to send me messages about England being !!!!!!, well - cheers mate!!!

mouseann

savingwannabe wrote: »

Have you watched the football Ann?

NO!!

Just heard about those horn things via the newspapers!

never-in-doubt

mouseann wrote: »

Hi Niddy,

Welcome back!

And good to hear from you.

Hope you had a good weekend and visit with your relatives.

This sounds very complicated - good job you are able to interpret it for us all!

Have you been able to bring yourself to watch any of the football yet - or does it have absolutely no interest for you?

And, please, don't work too hard!

Hi Ann

LOL, it is complex! I'm struggling cos there are 8 different rulings with various factors written into each so trying to make sense of it all, is ermmm, let me say not best easy!!

See here:
- McGuffick v RBS - Case & Judgment Breakdown
- Carey v HSBC - Case & Judgment Breakdown

The McGuffick one is finished, you should be able to read it and make sense of it - just by the conclusion at the bottom! However I done it so the lenders can learn from it as well - cos they seriously have mis-interpeted the actual judgments, some of the letters people have been getting astonish me, I mean its a joke! :rotfl:

Anyway, onwards and upwards - back to the Carey judgment for me (for the next 4 hours lol)

mouseann

Am now off to bed as very tired.

Night everyone!

di3004

Hi Niddy

Hope you've had a fab weekend.:D

I will re-dig my post out, or it may take me until tomorrow to explain.......:o, thank you.:j:A

swanfan02

never-in-doubt wrote: »

Guess nobody is here - oh well, see you all tomorrow night. Have a good night!


*Swanfan - your texts get worse mate! For an Englishman to send me messages about England being !!!!!!, well - cheers mate!!!

Happy to help, hope you enjoyed the jokes... And if you can't laugh at yourself...:rotfl:

di3004

Niddy, copied and pasted it.......as below.........cheers.:beer:

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.