Letter to Mortgage Company

[Lawrence]

Hello,
Just joined the site. I would like to send a letter to my mortgage company TMB and in looking at the first letter it has the wording listed below.

"I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you:"

My concern is that if they supply the information requested I am not in a position to settle the mortgage arrears etc.

Also, I am not clear as to what "accounting" really means, is there a definition of this in case the mortgage company queries this?

Regards,
Lawrence

[ceylon]

the letters are not meant to be used for mortgages. there are other ways to deal with them. you need to do loads of research and reading before going down this route first

[Lawrence]

Hi Ceylon, what approach does one take regarding arrears with a mortgage company?

Lawrence

[ceylon]

there are many but you have to choose which is best for you

[Lawrence]

Thanks Ceylon, but that's not very helpful to me. Are there places on the site to look at or if not do you have any recommendations as to where I can start my research?
Lawrence

[joshincommerce]

Whatever you do you must understand that the mortgage is the banksters biggest earner and they will fight you unlawfully and illegally in every way in order to get you out of your property and onto the streets. This is what you will be taking on.

[Lawrence]

Does anyone have any experience in dealing with mortgage arrears? I'm told that I must do a lot of research on the subject before I do anything, but there doesn't seem to be much on the subject. Seems all the advice is directed to unsecured loan situations etc.

Any help would be appreciated.
Lawrence

[joshincommerce]

You will need to study the basics first i.e. understand who you are - learning the difference between private and public - how to do a three step process and obtain judgements in both venues and then serve a Commercial Lien. I AFV'd my mortgage but they still managed to evict me using policy officers operating outside their oath of office - at the end of the day that's all they had - but then that's all they needed. Everything else was a success barring the bent coppers.

[Lawrence]

You will need to study the basics first i.e. understand who you are - learning the difference between private and public - how to do a three step process and obtain judgements in both venues and then serve a Commercial Lien. I AFV'd my mortgage but they still managed to evict me using policy officers operating outside their oath of office - at the end of the day that's all they had - but then that's all they needed. Everything else was a success barring the bent coppers.

Wow, Mortgages (UK version anyway) sounds like a disaster area? Are there any mortgage experts in the membership who can advise or perhaps knows someone who can? This is such an important segment as it involves larger sums of money and more headache and heartache. We clearly need some good advice.

[joshincommerce]

I have given you good advice and shown you that the courts and their bailiffs are beatable using the processes I have described - all we need to do is get the plods back under their oath of office. That is what you need to be working on after studying the processes I mentioned. If you don't like commercial processes then study trusts as there is supposed to be remedy in them, but I am no expert in trust technologies.