joshincommerce wrote: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.
The advice may be good but is missing a bit of detail in order to move forward. I need a UK process developed by someone who has gone down this path before.
My situation is that I have a buy to let property, which I have been renting out as a holiday let for over 5 years now. I used to be able to fund the UK mortgage out of my earnings during the winter months and the property paid for itself during the main holiday letting period. I am no longer earning, so have fallen 12 months into arrears (over the past 2.5 years). The mortgage deal has expired and the mortgage has gone on the SVR (standard variable rate). Because of the arrears the mortgage company has decided to raise my mortgage payments by 30% to clear the arrears. Obviously I can't pay this so have complained formally to the mortgage company and also the Financial Ombudsman, who is looking into the matter on my behalf. I don't hold out much hope from the Ombudsman, so want to start developing a different approach to enable me to keep the property.