mortgage charges and rip off co.

nige007

Hi, My husband had a credit card debt, which he unfortunately took out a secured loan on our property for (mortgage/loan.
of 7,000.

This company has been ripping us off, not only have they changed their name 5 times since the 2 year we have been with them called Capstone now Acenden . Many other names before.

But now they are piling on charges for us being 2 months in arrears. So far our 2 payments missed being a total of 2x 68.00 pound. These arrears resulted in us trying to change our payment dates which they said would take 3 months to do. We have had 3x 85-00, charges added making our outstanding arrears 321.00.

We are in financial difficulty and they go and do this, also whenever we post anything to them they say they havent received it, i dont beleive it at all its all delay tactics to add more charges.

I recently phoned and they said we will take possesion proceedings after i said we couldnt clear this arrears. This has made us feel ill and so depressed. I have now told them we will pay our usual amount of 68-00 plus a additional amount of 100 to clear the arrears, we can just and i mean just about do this which may mean buying less food for our family. But anything than repossesion!!

The guy on the phone agreed this arrangement by phone but said to send 3 wage slips, and bank statement showing wages gone in. I have faxed these today and will also post, just for peace of mind.

I phoned yesterday and asked to speak to the same person but he was on the phone, i asked the other person can you see the arrangement on the system, and to my horror they say the system is showing NO payment arrangment has been set up?? I feel they are completely conning me, and i have a horrible feeling they are going to say they havent got the forms just to delay and add even more charges, or take it to repossesion adding huge charges. I am at my wits end with this company and dont trust anything they say.

Also i forgot to say he said as i cant pay the extra 100 until 30th Jan my husbands pay day he will be adding another 85-00 for that month in late fees.

Any help or advice much appreciated.

CloudCuckooLand

https://forums.moneysavingexpert.com/discussion/2971706

Go to CCCS, as advised in your other thread...

whatyadoinsucka

i would write them a letter, I'm assuming they were one of the few lenders willing to offer you money.

You need to make this payment a priority before anything else, set up a direct debit so you cannot miss the minimum payment