CML Guidelines

ash2260

Does this statement also look like it makes sense and is legit? It doesnt make alot of sense to me
thanks

sourcrates

Its a simple invoice detailing the figure the house fetched, any refunds added, the amount of fee`s charged, deduct that amount from the redemption figure, minus any payments made, equals your shortfall.

You are under no obligation to return any of the items requested, I would simply write back telling them they have had a copy of your budget, you are not obliged or comfortable sending them anything else, and leave it at that.

ash2260

sourcrates said:

Its a simple invoice detailing the figure the house fetched, any refunds added, the amount of fee`s charged, deduct that amount from the redemption figure, minus any payments made, equals your shortfall.

You are under no obligation to return any of the items requested, I would simply write back telling them they have had a copy of your budget, you are not obliged or comfortable sending them anything else, and leave it at that.

Ok, just worried thats all. Do you think i would be wasting my time in trying to go down the route of complaining about being given the mortgage in 2006 when i was 18 going on 19? 

Sncjw

ash2260 said:

sourcrates said:

Its a simple invoice detailing the figure the house fetched, any refunds added, the amount of fee`s charged, deduct that amount from the redemption figure, minus any payments made, equals your shortfall.

You are under no obligation to return any of the items requested, I would simply write back telling them they have had a copy of your budget, you are not obliged or comfortable sending them anything else, and leave it at that.

Ok, just worried thats all. Do you think i would be wasting my time in trying to go down the route of complaining about being given the mortgage in 2006 when i was 18 going on 19? 

Are you wanting to comaplin because of your age?  If so doubt you would as you would be 18 and a consenting adult. 

ash2260

age being part of it yes, but more for the fact that proper affordability checks were not completed as we were giving a 100% mortgage as we had no deposit at all and even had our solicitor fees added to the mortgage as we couldn't afford either. Yes i get im clutching at straws and i sound desperate but i am willing to try everything here

sourcrates

You usually need to complain to a business within 6 years of your problem happening.

If you haven’t done this, the FOS can’t usually investigate the complaint unless you made your complaint within 3 years of becoming aware (or when you should reasonably have become aware) that you had cause to complain.

Unfortunatly I think you are well out of time here for a complaint.

ash2260

I only became aware in august of last year as before that id heard zip from them

sourcrates

ash2260 said:

I only became aware in august of last year as before that id heard zip from them

Then make a complaint, be aware though, even if your complaint is upheld, the capital you borrowed remains, you may get interest and charges refunded, but lets not get ahead of ourselves here.

ash2260

sourcrates said:

ash2260 said:

I only became aware in august of last year as before that id heard zip from them

Then make a complaint, be aware though, even if your complaint is upheld, the capital you borrowed remains, you may get interest and charges refunded, but lets not get ahead of ourselves here.

So would be a waste of time aswell then. Guess i will just respond with what you mentioned in first post today and wait for some court papers to arrive as i guess thats there next step

ash2260

sourcrates said:

ash2260 said:

I only became aware in august of last year as before that id heard zip from them

Then make a complaint, be aware though, even if your complaint is upheld, the capital you borrowed remains, you may get interest and charges refunded, but lets not get ahead of ourselves here.

So after having bit of time to think and calm down a bit i have a couple of questions.
on the photo i added above theres a bit on it that says overdraft account (£2000 ish) would this part be now statue barred?
also is it possible to make a final offer but pay monthly? If so is there a % offer to start at?
thanks