Just before the Christmas holidays I was in receipt of a letter from them looking for payment of the arrears I had accumulated. The arrears were well in excess of 30k. I had been under the illusion that arrears stopped mounting when you were complying with the mortgage arrears and resolution process???
The I was using the assistance of a debt management company to clear my debts but I rebuked their services
I wrote to each debtor offering them a once off final settlement and the vast majority of them agreed almost instantly.
Apart from debt collectors knocking at my neighbors doors asking about my movements everything went smoothly.
They were calculating my repayment schedule based on a five week month for every month of the year.
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Why I asked you about going through the paperwork is you would be surprised about the number of mortgages issues with the promissory note beigng signed or witnessed properly! silly banks.
I'm guessing, it was their way in propping up their fees. Their fee was approximately a 16% cut from the payment I administered to them to pay my creditors with.
As I have no legal representation I am looking for advise please on whether they will get immediate possession and whether I will be heard on the day that the supposed arrears I own don't seem to add up.
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