help please, so confused

lucieloo

ok so after all this i have got my mortgage redemption statement which im about to send in but i am slightly concerned as i have received my annual report that has been sent out to my creditors and it says my i&e are still under review despite sending all the info they requested on the 2oth march. Are they hanging on for the mortgage statement before my review so they can start becoming difficult with everything?? i may be being silly but for the last 5 years i have sent my i&e and it has been completed within 5 weeks latest. How long should it take them?? Is there a deadline that they have to keep too?

longtermplanner

No I don't think there is any deadline.

I am not sure whether there is anything to worry about here, it may just be that dfd are so busy trying to sort out all the variations that they aren't doing a speedy job of getting the routine business through.

22cuddles

I'm also with DFD. When I sent in my i & e in March last year it took them until September to respond, the longest it's ever taken. I sent in this year's at the end of March and not heard anything back yet although I'm due to finish this month. Hope you manage to get things sorted.

lucieloo

Can someone explain the re morgatge process to me? I have sebt in ny latest statement, what happens next plz?

lucieloo

Hi all not posterd for a while nut made my last payment on 24/12/2014 which was a amazing feeling and been enjoying having a bit extra to spend. DFD continued to harass me to sign their new agreement right up until the last payment. I declined and at one point a lady from DFD called me and explained if i did not sign the form it would have a considerable impact on my iva being able to be completed, to this i asked if i was being threatened! Now this is where i need help again. Yesterday i received a letter telling me that because i had refused to sign and agree the new terms and conditions they have no alternative but to hold a emergency variation meeting which £600 will be taken from my balance with my creditors to ask them how they wish for the arrangement to be concluded. I am worried sick again!! Im sick of this I have done my time and its making me ill. My question is do i need to worry?? They have proposed 2 options, the first option is my arrangement will be concluded subject to the appended terms which i do not understand what this means and option 2 is my arrangement will remain open until ppi investigations are complete. It then asks me to sign a deed of assignment which has a lot of things on there i do not understand so how can i sign it if i do not know what it means! Surely my original deed is adequate and as i have not agrred to their new terms and conditions i do not need to sign a new deed? I feel like they are trying to trick me, they did not leave me alone regarding the new terms. I had no equity available which meant that due to that i have paid 41p in the £ insted of the 60 p in the £ they anticipated. I hope someone out there has time to help me.