At the time we did say we wanted, if possible to keep our home. It was also at the time before Freddie and Fannie etc had happened so the talk was rem...
With hindsight and will the knowledge built up from this forum, I think what should have happened is that my trust deed runs as normal. Don't really h...
Maybe not the experts personally... Although in fairness, the person who wrote up the trust deed has now retired from that firm. If it's legal then fa...
Thanks tda, that's what I'll do. Maybe I'm picking things up wrongly here, but it seems quite one sided in favour of the trustee. If we can't pay, the...
So what is their responsibility by overseeing the process? Voluntary or otherwise, it still needs approval. I know our argument is ignorance, as in we...
Thanks Mark. Any advice on where I go from here? Is there any point in challenging the firm, ie ask why we (she) were given a ptd in the first place? ...
For me it doesn't make sense Kevin. The equity part, I have no issue with at all. There were two separate trust deeds. Aren't they taken on their own ...
I thought it was a firm offer tda, but his property has been on the market for 8 months. It doesn't seem too firm now. I know the horse has bolted, bu...
Thanks for the reply Chris. We have spoken to the firm and agreed a settlement figure, (just short of £10K). A third party had offered to loan us that...
Apart from a bank job, any advice please?
There are only two payments each left on the ptd - hence the panic! Yes the debt is in both our names. Roughly around £3000 been built up. (The dreade...
Absolutely Kevin. Where do I go from here now? Do I keep paying and keep my fingers crossed for a lotto win (that's the reason I've kept going, but I'...
Thanks again for your reply tda. We are actually near the end of the ptd. I am just frustrated that this was suppose to be a solution and it wasn't. A...
Yes I understand what you are saying tda and thank you for your reply, but like I said, based on advice in previous threads on here, I have no idea wh...
Thanks for the reply Mark. Yes my wife is making a £130 contribution per month, the same as me. We met with the firm, who took into account our tax cr...