Dene Unsworth

Registered with Property118.com
Thursday 11th August 2016


Latest Comments

Total Number of Property118 Comments: 4

Dene Unsworth

3:26 AM, 13th August 2016
About 5 years ago

BTL repossession by NRAM

She claimed for disrepair, there had been a leak into the property shortly after she moved in and then a further leak last year, she claimed that the leak had never been repaired and had been leaking in for four years! She also claimed the boiler was unsafe and had been condemned by British Gas, was leaking carbon monoxide and could have killed her and was then replaced, however I still had a copy of the engineers visit she referred to that stated boiler was safe and was only 2 years old! She again reported that she was suffering nausea and headaches due to the boiler in June this year just a couple of weeks before we were due in court even though there is a homecare agreement with British Gas under which she has authority to call them out if she has a problem. She also claimed the deposit wasn't protected although she was fully aware it was however I accept that I failed to provide her with the correct paperwork from the DPS stating this.
You say NRAM make it clear in their correspondence that they are unable to extend terms, I'm not sure what correspondence that refers to, my early statements had information on the reverse stating the cost of extending the term of the mortgage and I was never informed after the bailout that that had changed! I think the most I was ever in arrears was 3 months and when they phoned regarding my residential mortgage the person who called was unaware I had a BTL mortgage with them and it was purely out of concern which is the case with a lot of banks regarding the amount of interest only mortgages that have been taken out in recent years where people have no means to repay at the end of the term

Regards

Dene... Read More

Dene Unsworth

12:35 PM, 12th August 2016
About 5 years ago

BTL repossession by NRAM

Reply to the comment left by "terry sullivan" at "12/08/2016 - 12:20":

I wrote to my MP and all I received was a comment regarding agencies who may be able to help if you are having financial difficulty! I even wrote to No 10 and didn't receive a reply. I have tried writing to newspapers and had no response

Dene... Read More

Dene Unsworth

12:26 PM, 12th August 2016
About 5 years ago

BTL repossession by NRAM

The mortgage has been kept up to date since 2013 unfortunately prior to this there were missed payments due to my bankruptcy. We tried to obtain a mortgage in my wife's name and were advised this could be done if we were to legally seperate! I also started proceedings to evict my tenant in June last year to enable me to sell the property, unfortunately even though my tenant had asked me to evict her (due to her arrears) to enable her to get alternative accommodation she then counterclaimed! We were due back in court in June of this year but had already been to court with NRAM in April who had been awarded possession in 56 days I therefore settled out of court with my tenant. The only reason they haven't taken possession already is that the tenant is now asking for an extension and there is another court hearing in October. I have tried constantly to get NRAM to extend the term but they wont budge although I got the impression after one telephone conversation that it was partly due to the fact the mortgage is on a very low rate tracker!
I am 53 years old and my wife is 47... Read More

Dene Unsworth

20:37 PM, 11th August 2016
About 5 years ago

BTL repossession by NRAM

The Financial Ombudsman initially said they would be able to help but then said the mortgage was classed as an unregulated commercial mortgage and so couldn't help. I have very little paperwork from when the mortgage was taken out and what I do have has no mention of the company who arranged the mortgage on it although I am sure they were more than happy to claim their commission for arranging it!
I have desperately tried to find another mortgage and also contacted NRAM as I don't believe they should be providing mortgages for such a short term without checking how it is going to be repaid, they said it wasn't their responsibility and they just provided the mortgage requested, ironically I received a phone call from NRAM last month expressing concern at how I was intending to repay my interest only residential mortgage which still has 12 years to run

Regards

Dene... Read More