Urgent Help - Husband Left And Mortgage In Arrears

toonfish

silvercar wrote: »

So tell us what this info is, don't keep it a secret!

more than likely to buy your house off you for 75% of its true value

petermb_2

Sorry guys for coming full on but I am passionate about repossession and how to stop it.

What I actually do is carry out audits on mortgage and loan accounts to see if clients have been treated fairly and honestly by lenders and brokers alike. If they have not, I provide the legal means to gain redress through the courts, if necessary. This often entails putting a permanent stop to any possible repossession.

If you industry guys want to assist in this give me a call. You only to pm me for my contact details and I will help you stay within the law. Many of you are not at the moment without knowing it and it might come back to bite, especially if you are providing secured loans.

You cant say I didnt offer.

regards

Peter

japanesegirl

I tried to contact CAB but closed till next wednesday - I am informed that providing 75% in paid in before end of May this month will not class as a default. Its essential as I need to move and will require a mortgage but cannot risk adverse mortgage history.

jayne.doe

Try income support because your husband left you you might get help with the mortgage. However because its an income based benefit they will take into account any maintenance payments you get or other money coming into the house. Obviously you need to contact your council re council tax help. http://www.welfarerights.net/

give welfare rights a ring straight away. The longer you hang around the worse your problems will become. (((hug))) for you as well i think you need it take care. ps You dont say whether you are are statutory sick pay from your employer or incapacity benefit. If you are on ssp then you wont get help from income support. If you are on incap you could possibly get a top up and help with your mortgage claiming i/s as well.

Rick62

petermb wrote: »

What I actually do is carry out audits on mortgage and loan accounts to see if clients have been treated fairly and honestly by lenders and brokers alike. If they have not, I provide the legal means to gain redress through the courts, if necessary. This often entails putting a permanent stop to any possible repossession.

If you industry guys want to assist in this give me a call. You only to pm me for my contact details and I will help you stay within the law. Many of you are not at the moment without knowing it and it might come back to bite

Peter

So what qualifications do you have and who are you regulated by? And is trying to reclaim a few charges really the best way for the poster to get the support that she needs from the lender?

I'm not saying there are not some genuine cases, but the brokers here are all trained and regulated, so to come on and say we are probably breaking the law is insulting, slanderous and wrong.

silvercar

Try https://www.entitledto.co.uk to see what benefits you should be claiming.

carole_twigg

It's a horrible road you are on but there is light at the end of the tunnel. Apart from finding out what benefits you are entitled to, a Family Law solicitor/Family Mediation Advisory Service ( you can go and see a Mediation Councellor on your own) may also be beneficial.
Message to Petermb
I have received a formal demand for repayment of my mortgage which I cannot pay so a possession order will commence. What advice would you be able to give?

japanesegirl

Thank you all for help - I heard that the DSS may help towards the mortgage interest rate because I have been abandoned- does anyone know about this??

japanesegirl

Thanks to the links you kind people povided to welfare rights etc I have come across something called the government social fund who provide 'Crisis Loans' these are interest free loans when for whatever reason you are unable to meet your current financial needs, you dont have to be on benefit anyone can apply. This will have to be paid back so I suddenly have a little light at the end of the tunnel. I have downloaded the application form so please keep your fingers crossed for me.