Need some housing advice. - Page 7

Hom3r · 27-04-2011, 14:27

Have you tried going to your local Citizens Advice centre?

**Chris** · 27-04-2011, 15:09

Quote:

Originally Posted by AdamD

"I DONT TALK TO YOU, BECAUSE YOU DONT TALK TO ME!" "I DONT TALK TO YOU, BECAUSE YOU'RE AN ASSHOLE!"

It's not him, is it?

http://www.youtube.com/watch?v=WFYTG...eature=related

TheDaddy · 27-04-2011, 16:40

Quote:

Originally Posted by AdamD

Heh, I wish

Well his "partner" has shown up, he got out of the car, clutching his right arm and was hobbling.
Which probably means he's having angina related pain, or so he claims.
They've driven off, probably to the hospital.

Never know your luck, might be a heart attack...

AdamD · 27-04-2011, 20:47

Well he was obviously very ill, because he came back, unaided and has gone off to do his take away deliveries for 6 hours.

AdamD · 30-04-2011, 20:40

Quote:

Originally Posted by TheDaddy

Never know your luck, might be a heart attack...

Awful to say, I know, but I kinda wish it was...meh

My dad is going to ask him to move out, tomorrow
We're going to say to him, if you agree to move out, we'll remortgage the house (or try to) in our two names and my dad's new girlfriend will pick up his share of the mortgage and move in.
He'll have 2 months to move out and 6 months of free storage in our garage.
We'll handle the arrears he's racked up.

Hopefully that'll be enough incentive for him to leave, as it seems more than generous (perhaps to generous)

IF he is here after 2 months is up, I assume we can have him removed forcibly? (Sure hope so, because I will be the first one calling the police if he doesn't leave!)

Oh and I took a look at his TV he claims "we" knocked over, see the link below:

http://dresch.co.uk/resized/PICT0052.jpg

He claims we knocked the TV over and it hit the clock you see in front of it.

At the top left you can see two white marks, those feel/look like scratches.

If that were true, wouldn't the clock have damaged the centre/bottom part of the tv? heh

It's not the first time he's broken something of his, or ours, then claimed ignorance or that someone else has done it.

AdamD · 01-05-2011, 14:02

Uncle has agreed to move out
All we need to do now is remortgage.

Peter_ · 01-05-2011, 14:08

Quote:

Originally Posted by AdamD

Uncle has agreed to move out
All we need to do now is remortgage.

You will need his agreement in writing as otherwise your word against hi.

AdamD · 01-05-2011, 14:33

Quite, we're going to the mortgage company Tuesday, if they approve of the plan, then to the solicitor.

Gary L · 01-05-2011, 14:36

This is better than Eastenders

AdamD · 03-05-2011, 13:06

I was to optimistic it seems.

They won't let us remortgage and it's highly unlikely that they'll allow us to switch to an interest only mortgage.

I must admit, sometimes I wish I didn't wake up in the mornings with how things are going right now.

AdamD · 03-05-2011, 16:31

Just phoned them myself.

The arrears are - Â£2960.22

They've been trying to call us since October, about the missed payments and arrears, but only had my uncle's mobile number, which he's been ignoring.

He called them on March 3rd to talk about the DSS paying the interest and when asked as to why the mortgage hadn't been paid, he claimed one of the co owners (me or my dad) were in hospital and were having an operation (A lie)

When the mortgage lady started to read the scripted legal bit about what would happen to due the arrears, he got very irate and demanded to speak to a manager.

They couldn't get a manager for him, so said someone would call back in 48 hours, they didn't, so he lodged a complaint, refused to talk to them and demanded to be put through to the CHAIRMAN. (He does this with every company), they wouldn't put him through, so he hung up and has ignored them ever since.

The lady I spoke with said they don't offer interest only mortgages anymore (Strange, given that it still has them on the site), but we could apply for one, but only if we could prove hardship, so that means going through our incomes/outgoings.

What a nightmare.

danielf · 03-05-2011, 16:41

I'm not sure what the problem exactly is?

You say your father paid a deposit of Â£40k on a Â£180k house, which is over 25%. The mortgage arrears are not particularly high at Â£3k and considerably lower than the deposit.

Why won't they let you remortgage?

AdamD · 03-05-2011, 16:46

Because they say we can't afford it, even though we could

The main issue is they don't seem to know what they're talking about, the lady says they don't offer interest only mortgages, yet their website says otherwise, so I have no idea.

They say we could switch to interest only, but only if we "prove hardship".

danielf · 03-05-2011, 16:52

Do you have the Â£3k to cover the arrears? Do you need to re-mortgage to get your uncle off the mortgage? Can't you simply continue the existing mortgage without the uncle, and perhaps retro-actively take a payment holiday?

Does your mortgage lender actually understand the situation and are they aware you are actually trying to solve the problem with your uncle that led to the arrears?

Edit: also: What type of mortgage do you have now? Is it interest only?

AdamD · 03-05-2011, 17:12

We don't have 3k, but we had intended on renting his room out when he left, to pay off that debt

We CAN apply for a "Change of borrower", but she said it'd be unlikely we'd get it, because they assume we can't afford the mortgage (even if we switched to interest only)

They do understand, now, because up till today, he's been feeding them non stop lies it seems.

Gonna see about applying for the mortgage rescue scheme in the mean time, as she also told us legal action due to non payment/arrears was gonna happen very soon.