I never thought I would say this...

[bagpuss]

remortage probs...not leybridge, they have been great...my current lender...they havent updated ANY of my mortgage payments to either equifax or experion...(i know cos i have just checked)...so all there is to go on is the mortgage statement from them...and how it reads isnt how it was...when we hit a few bad times we rang to ask for some help and they advised paying by debit card instead of direct debit as soon as we could...i aint stupid, i knew we would be seeking a better deal end of oct as we would finish our fixed rate...so i asked if this would effect our credit and she said no...not unless we were a month in arrears of the same value as a monthly payment...(which we never were) she said it would be on there statement as being late but not on the credit file....the one they have sent to Leybridge !!.,....so now i am worried sick that we wont get the rate and monthly payments that we need and thought we had all sorted. They (current lenders) have also said they want an extra £1000 for the debt managment fee!!! what debt management...?? when did we agree to this...?? seems odd that there are mortgage records (all perfect) for years ago....and yet nothing for the last 2 years from our current lender....they aint even mentioned on either credit agencies.....and experion have us as being in an IVA till nov 2011 !!!...it was a F/F that completed nearly 2 years ago....i sent them a copy of the cert asd i did equifax...equifax have it as settled.

Its all just c**p

Ohh but thanks kerri....HUG xxx

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

[scaredkez]

oooh errr sorry angie thats sounds awful, i am sure leybridge will be able to guide you, hope you can clear it up, don't go into panic phase yet i am sure mike will be on to help, i really hope you get it sorted, it's horrible when you think you are nearly there and a barrier comes across, lets hope it can be sorted, hugs and everything coming your way for a good weekend!
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[Skippy]

I hope you get this sorted Angie, and as Kerri says I'm sure Mike will be able to advise you. I'm sending you another hug xxx

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[bagpuss]

thanks guys n gals...i hope so too.

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

[mikebdomain]

Angie, just to let you know that Kev is still on the case, rest assured the guys are doing all they can. I am sure he will be in touch as soon as he has more news. Just try and relax - you know you can phone the office anytime you need to

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Mortgage Broker
Specialising in adverse credit.

Firm FSA No:313790
Personal FSA No:MJB01557

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf

[bagpuss]

thank you Mike...feeling better already having spoke to Jamie this morning...i know you guys do all you can and i appreicate that so much....its just that this remortgage lark has been nothing but a headache now for over 2 months (with being messed about by other brokers) and i just want it sorted.

Found out the £1000 debt management fee is refunded back to me after completion so thats so positive....

Thanks again xxxx mwahhhh

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

[Angelus]

Ola!

Actually Chocolate is a poison to humans as well. In very small animals (i.e. Squirrels etc) its fatal. It actually makes dogs depressed. A fatal dose for a human is 23lbs (thats alot of Dairy Milk). I think my wife tries to top herself every night with the stuff.

I've never liked Revels! Maltesers are my favourite.

You shouldn't give dogs chocolate - it's a poison to them! Sadly they don't seem to understand it though!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[mikebdomain]

Ola Angelus

Really 23lbs is that all, think I'd better slow down...

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Mortgage Broker
Specialising in adverse credit.

Firm FSA No:313790
Personal FSA No:MJB01557

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf

[Skippy]

Well my love of chocolate returned when I found Cadbury's have bought back Wispa bars - the best chocolate ever!!!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[bagpuss]

i am with you on that one skippy....i nearly fainted when i saw wispa bars back in the shelfs...i have had 1 every day for nearly 2 weeks now....now all i want back is the chewy coconut strands you used to get...anyone remember them...?

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

[Angelus]

Does anyone know if they still make Fuse bars. They are a recent addition to the Caburys repetoir but they have appeared to have vanished. As they were a cornerstone of my less than adequite diet, I sorely miss them. Wispa's are nice though[:)]

[Skippy]

I'm not sure about Fuse bars - I don't think I liked them as I think they were the ones with rabbit droppings, sorry sultanas, in them!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[tracy.h]

I love M&M's the peanut ones but they give me terrible wind so i only eat them when the other half away.[:D]

[Angelus]

Lost a tooth to M&M's, cost me £280 to fix. But how could I stay mad at them. lovely little things.

[Skippy]

I used to love lollipops (I know they're for children and Kojak!) but I'm very careful now - I broke my tooth and spent a couple of weeks in agony waiting for a dentist appointment. The broken bit was imbedded in my gum and I spent £150 getting it fixed only for it to break again. This time it cost me £285 for a crown! All that from a 50p lollipop that Dave bought me!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/