Good day to you all

[Ewfwgmdn]

Hi, just joined the site, excellent work by you all. I am in the process of getting my mind around it all, after finding out more and more recently that "All the worlds a stage", its beginning to fit into place.

My favorite legal maxim: "The truth will out."

I still don't have access to the letter templates though, how do I access these?

[ceylon]

wait 48 hours and you will be given access, its a spam thing

[Ewfwgmdn]

Got the letters now, brilliant thanks ceylon. I was expecting something much longer and wordier, but I actually admire the simplicity, reminds me of an Albert Einstein quote..

I have two credit cards and a loan, and was paying them back (with "real" money grr ), but lost my job just recently and have not been able to cover these or my mortgage. The so called payment protection on all of them has failed to cover anything (more letters to write..), so have made token payments so far. However I now realize these agreements are unlawful, and the mortgage too it seems.

The letters are not recommended for mortgages, but if in negative equity and a large balance on top (Northern Crock ), what have I got to lose? As I will probably never own the property anyway?

Thanks for all the work you have all put in, I am currently doing all the research I can with the time I have. Cheers.

[ceylon]

like you say you have nothing to lose

[Ewfwgmdn]

Thanks, the only worry is that they would suddenly push hard for an eviction or whatever?

Any thoughts on the second issue anyone?

[ceylon]

by the sound of it thats about to happen any way

[GeoffD]

On the mortgage why don't you keep them at bay by taking the 'official offer' route?
I only discovered it myself the other day and have just reduced my partner's monthly mortgage payment by £400.
http://www.getoutofdebtfree.org/forum/viewtopic.php?f=87&t=35295

[Ewfwgmdn]

Thanks, we are currently paying peanuts per month (all we have spare) and they do not seem bothered so far. Not sure how long that will last though.

Until then I will send the 3 letters to the two CC companies, and see how it goes.

[ceylon]

http://www.youtube.com/watch?v=cDgjKf7DRf4