Hi all, we have been on a reduced payments with Bank of Scotland (Certus) for 10 months, paying interest plus a bit of capital, and have been coping with this fine. I rang to re apply for an extension, and they sent me out a different set of forms. Last time it was a standard financial statement plus bank statements. This is an 8 page form, income/expenditure, house value, mortgage value, value of negative equity, how you have reduced outgoings to meet mortgage etc. When I rang to enquire, I was informed this is new procedure brought in by new legisation a few weeks ago. Has anyone else come across this, or are BOS just making it impossible for anyone without a degree in economics to apply for reducton??
Thanks!!
Thanks!!