Widow's Four years of pain

[muffett]

I have recently had a Judge ruled in favour of Lloyds TSB to repossess the home I live in.
She ruled that I do not exist anywhere in the mortgage documents so I do not have any rights to take issue with the bank, the Bank did not know I exist. The bank paid for my husband'srelocation to the UK and I was also on the ticket.They also paid for temporary accommodation for us both to live in.

It was also found that they arranged the mortgage out side of their Resposible Lending policy, the judge ruled that Lloyds TSB was not abliged to lend responsibly.
Why did it take four years for them to get to this point, the judge dismissed our evidence and would not have me say anything in my defence. To this day I have my voice has not been heard.
To date I have not been offered an appointment to address the issues of my husbands financial situation, since his sudden death.He was also their ex-employee.
I have had two sets of legal advisors all of whom have been stonewalled by the said bank, by not reply to letters or sending out inappropriate responses to questions asked.

It took them almost four years to get this place and it has left me in a very poor state all round and homeless.
I was never granted an interview as promised at the time of bringing in proof of my husbands death, I was advised the accounts would be frozen but I would be called in to discuss the situation this as never happened. My husband died without leaving a Will, so I really needed guidance at this very cruicial point in a persons life.
They have fabricated that I did not bring in the Death Certificate until 4 or 6 months after his death. This was not the case, it was brought to them within days as I needed to access money for sorting out his Funeral, this has never happened.


It has cost me all the money I had including fees for them taking me to court and adjournments because they did not have the paper work.

I am sorry this is so long winded, but I am trying to condense four years of misery to make sense.

I wonder if anyone has any thoughts on this, I would be grateful to hear it.

Thank you
Muffett

[Hurricane Puffrose]

Re: Widow's Four years of pain

hello and welcome to LB Muffet.

You have been through the mill hun, and im sure that the experts will be along soon, so I'm bumping this thread so they can see it.
In the mean time, know you are not alone and are in the right place now

P

[bluebottle]

Re: Widow's Four years of pain

Hi Muffet,

Firstly, as your late husband did not leave a will, you will need to speak to a probate solicitor or the District Probate Registry or Sub-District Probate Registry for your area. If you go to www.justice.gov.uk and insert PROBATE REGISTRIES in the search engine, this should take you to the relevant page. The Probate Registry can send you the necessary forms to obtains Letters of Administration.

Secondly, Lloyds TSB are, in my experience, the worst liars and biggest rogues around. And I am speaking as a retired police officer. They really are as bad as you paint them. I am very surprised the judge said they do not have to lend responsibly. Excuse me, but the law was changed some years to ensure money was lent responsibly and to impose sanctions on those who lent irresponsibly. My gut-feeling is that Lloyds TSB has mislead the court. However, you do need expert legal advice to sort it out.

[muffett]

Re: Widow's Four years of pain

Hello Bluebottle,

Thank you
It is quite a lonesome and expensive journey, when you know something is wrong and struggling to prove it.
My legal representative have all the documents needed but they would not engage with the process on a transparent level.
The final adjournment was approx 12 weeks and it feels to me that they approached the Judge.

Muffett

[muffett]

Re: Widow's Four years of pain

Hello P,

Thank you so much.
It has been a nightmare.
I have one week remaining to leave my home.
I have been given a verbal backlash from C&G and LTSB for appealing to the Chairman.

They are stating that all procedures have been followed and they will proceed to reclaim the property.
The whole process has been very dark and full of fabrication and misinformation.

Muffett.
My apologies if I have replied twice.

[swifty]

Re: Widow's Four years of pain

It's so sad to hear of this type of thing happening and it only goes to show that it's plainly profiteering on their agenda, they are truly scum of the earth 'I wouldn't even p##s on them if they where on fire and begging for help (Sorry guys, but it's pushing all the wrong buttons for me).
I truly hope you get justice at the end of all this, unfortunately I can offer no help to your problem but hopefully (fingers and toes crossed) someone here can help you.

Just a thought! have you approached your local MP?

If Loyds TSB get their evil way and you have to leave (god forbid it comes to that) can you not phone them the day before the eviction and tell them that you have vacated the property but failed to close a window and now the house is occupied be squatters, you've spoke to the squatters on the banks behalf and they have point blank refused to leave but agreed to let you back into the house as you are now homeless and in essence in the same boat as them.
I know it's wrong but then again what TSB are doing is wrong, two wrongs don't make a right but it will feel good to see them not get their way

Please don't take my words as advise 'they are not' I'm just venting off my anger.

[Bill-K]

Re: Widow's Four years of pain

I can't help with this, either, Muffet - but you appear to have been let down badly by either LTSB or your solicitor - or both. Bluebottle's advice looks good, but it may take time to implement - and time does not seem to be on your side.

You do not appear to have been dealt with fairly by LTSB, and the Law does not appear to have helped you. There is, perhaps, something to be said for playing by LTSB's rules, and using the Law to assist you - even if you might consider such rules as morally indefensible. In my opinion, you clearly hold the moral high ground here, and it is the law that has failed you.

One of my favourite quotes is the biblical one "Render unto Caesar that which is Caesar's." Not your home - but the law which LTSB are so cleverly using against you. You have been put in the position where you have nothing left to lose - and that makes you VERY dangerous, believe it or not.

Swifty has made it clear that his thoughts on this are NOT to be taken as advice. I agree - but I dare to suggest that you re-read his post when your anger has subsided and your tears have dried.

You need more time, it seems, and whatever will buy you that time is worthy of consideration. Leave no stone un-turned - and no open window ignored.

[muffett]

Re: Widow's Four years of pain

Hi Swifty,

Thank you for your reply.
I did contact my MP who was supportive in the beginning, but felt that because it was a legal situation she could not intervene.
She wrote to the CEO of Lloyds TSB who did not answer directly, but replied through the Executive Complaints Department. The same people who have fabricated and miscommunicated every step of the way. They have made my life hell.

I am having to pack up, as I have only a matter of days to leave my home. All monies have been spent with them taking me to court and I am left with an even bigger legal bill.

This is so grossly unfair, it is sickening. I have not been back to work since the hearing, due to the worry of where I am to live.
I was reprimanded by their case worker for writing to Sir Bischoff, the Chairman. This person said, I had nothing new to add and they will not be taking any further steps as they have follwed correct procedures.

Once again thank you.:tinysmile_cry_t:

Muffet

[wales01man]

Re: Widow's Four years of pain

Repossesion is the result that the lenders wanted all along i know we went through the same the faceless barstewards at in any mortgage company only care for one thing to get you out i know its been hard for you but the end is soon and hopefully you can get your life back on track please remember there is a future and im sure you will pull through please dont despair there is help out there now you will deal with people who care about others not just looking at the cash outcome we came through it all please move forward and all the best and good luck in the future

[Streetwise]

Re: Widow's Four years of pain

I have recently had a Judge ruled in favour of Lloyds TSB to repossess the home I live in.
She ruled that I do not exist anywhere in the mortgage documents so I do not have any rights to take issue with the bank, the Bank did not know I exist. The bank paid for my husband'srelocation to the UK and I was also on the ticket.They also paid for temporary accommodation for us both to live in.

It was also found that they arranged the mortgage out side of their Resposible Lending policy, the judge ruled that Lloyds TSB was not abliged to lend responsibly.
Why did it take four years for them to get to this point, the judge dismissed our evidence and would not have me say anything in my defence. To this day I have my voice has not been heard.
To date I have not been offered an appointment to address the issues of my husbands financial situation, since his sudden death.He was also their ex-employee.
I have had two sets of legal advisors all of whom have been stonewalled by the said bank, by not reply to letters or sending out inappropriate responses to questions asked.

It took them almost four years to get this place and it has left me in a very poor state all round and homeless.
I was never granted an interview as promised at the time of bringing in proof of my husbands death, I was advised the accounts would be frozen but I would be called in to discuss the situation this as never happened. My husband died without leaving a Will, so I really needed guidance at this very cruicial point in a persons life.
They have fabricated that I did not bring in the Death Certificate until 4 or 6 months after his death. This was not the case, it was brought to them within days as I needed to access money for sorting out his Funeral, this has never happened.


It has cost me all the money I had including fees for them taking me to court and adjournments because they did not have the paper work.

I am sorry this is so long winded, but I am trying to condense four years of misery to make sense.

I wonder if anyone has any thoughts on this, I would be grateful to hear it.

Thank you
Muffett

I and sorry to here of your plight,but a few questions need answering,who is administering your husbands estate,do you have a marriage certificate,was there mortgage protection insurance on this mortgage,has the mortgage been getting paid,4 years seem's a very long time for this to be going on,:beagle:

[messimoo]

Re: Widow's Four years of pain

Hi Swifty,

Thank you for your reply.
I did contact my MP who was supportive in the beginning, but felt that because it was a legal situation she could not intervene.
She wrote to the CEO of Lloyds TSB who did not answer directly, but replied through the Executive Complaints Department. The same people who have fabricated and miscommunicated every step of the way. They have made my life hell.

I am having to pack up, as I have only a matter of days to leave my home. All monies have been spent with them taking me to court and I am left with an even bigger legal bill.

This is so grossly unfair, it is sickening. I have not been back to work since the hearing, due to the worry of where I am to live.
I was reprimanded by their case worker for writing to Sir Bischoff, the Chairman. This person said, I had nothing new to add and they will not be taking any further steps as they have follwed correct procedures.

Once again thank you.:tinysmile_cry_t:

Muffet

I am sorry for not being able to offer advise but am with you all the way. I too have been shafted by Lloyds and thier subsiduries and awaiting for the ICO for a reply. I too wrote to the CEO and was also referred to the executive complaints who were causing the problems. Lloyds, black horse are acting very illegally in my eyes but seem to get away with it all the way being a big shot bank.

[muffett]

Re: Widow's Four years of pain

Hi All,

I have not been in touch for a while, no pc and had to leave house due to the situation with LTSB...in fact I had to take refuge in a friends house.
I am not sure what part of being chased from the house one shared with a late husband is legal, but LTSB and the Judge has decided it is so.
My legal advisor appeared to have been out of his depth at the time it mattered. On this subject, I have paid him thousands and he billed me for several more after LTSB took me to Court and caused adjournment three times. Each time they took me to court he billed me for three thousand plus.
In all of this cost I do not see where he sought the advice of a QC.
I have no issue with paying for work done, but he knows the situation I am in.
Can anyone tell me if this is correct that he should bill me fully after losing the case?
I am homeless and broke and he is billing me for a case in lost after me paying out so much to find the truth.

I am in a very difficult place, any sound advice would be helpful.
:behindsofa:
Thank you
Muffett

[labman]

Re: Widow's Four years of pain

This may not be particularly helpful in terms of the past and what has happened, but life is going to go on, and you need to think about yourself.

Have you been to organisations like Shelter and CAB to see what options you have now?

[muffett]

Re: Widow's Four years of pain

Hi Labman,

Thank you for replying.
I have not been to either, I think CAB will be on my list.
I am currently relying on friends, for the first time ever.

I will carry on, but I will take my time and excavate and see what lies at the bottom of the so called Judges rule.
Muffett.