Tweet
Hallo to everyone. I became a new member just a few minutes ago. This was because I found this site very interesting and I do have problems with banks. Currently with BOS I have a case in court, where they are filed for repossession, while providing untrue figures of arrears. For nearly 4 years I have been paying duly CMI (its an interest only mortgage taken in 2002 for 7years) but I lost my job in 2006 and thus why arrears occurred. However in July 2008 it was only £1,380 and I paid at the end of this year over £2,559 over the required interest. In fact for over 4 years - since 2008 I have paid over £8k over the required CMI. The charges were mounting at will despite me paying more than required. I am 68 yrs old retired now, on Pension (£60/week) and receiving assitance with Mortgage payment from DWP -although subsequently cut - thus creating shortage of around £30 per month. I am continuing to pay since February 2011 additionally onto mortgage account £60 from my pension to make up the shortage. The initial claim for repossession was filed in December 2011 with false amounts of arrears. I provided them with my calculations and proved with THEIR documents, that they are wrong. This has been ignored and now they change the tactics and claiming, that because the mortgage term expired in 2009, now they offer an extension of a term for 40 years but want the "suspended order of possession" on condition, that I would pay additional funds to make up the shortage from DWP. They still want to obtain the suspended order. This would make them even easier to evict me - but I fear that any mistake by a clerk in BOS (there were many in the past -they apologised for it) or by DWP (also happened - they cut the amount without informing me for over 6 months) can create a basis to evict me from my home in short time without a court order.
Has anyone any idea what I can do?. The hearing in court suppose to be tomorrow 21st September 2012. Although I eventually obtained an assistance from a solicitor on Legal Aid, but it appears, that his only objective is to fix it quickly without really defending me as a client. Thanks for any idea or comment whether I can defend myself or do I have any other options. (haberek).
Has anyone any idea what I can do?. The hearing in court suppose to be tomorrow 21st September 2012. Although I eventually obtained an assistance from a solicitor on Legal Aid, but it appears, that his only objective is to fix it quickly without really defending me as a client. Thanks for any idea or comment whether I can defend myself or do I have any other options. (haberek).
Comment