Lenders hidden trick of capitalised arrearsMake Text Bigger
Chelsea Building Society repossessed 4 of my properties in 2009 illegally (*allegedly*), they capitalised/consolidated an amount of my arrears by 50% a few months later they took the properties on the basis that they could for the purpose of repossession still use the extinguished portion of the arrears to send me over two months.
The massive case that was won in Northern Ireland as been kept very quite, however the title known as (double billing) is illegal. I have been fighting this for 5 years and I have an MP involved and a Mortgage Expert, but the simple fact is once you have had arrears added to the contractual mortgage payment, from that point the arrears are GONE! end of.
I know you lovely people are still getting over the recent (Westbrom Ruling) but I promise every single Lender will be worried because they have all been at it.
I was ruined after what they did to me and they made me very poorly, but now I am back. Make sure all of you ask for the subject access request (DSAR). The case in question that sets a precedent by a High Court Judge was started on the 14 August 2014 Bank of Scotland, the Bank appealed and removed the appeal on the 8th December 2014. Not only did they lose the case is now a Criminal Investigation. I have proof even my paperwork was doctored (*allegedly*) to show the Ombudsman. At the time I had a 15m portfolio and they knew I had 2 heart attacks.
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