Having read many of the postings on this board i have come to the conclusion that you all deserve to be in the position you find yourselves. Everyone knows what you are taking on with a mortgage (A Gamble) I dont see anybody complaining about the prices rocketing when they have a property, but i do see them all remortgaging for Holidays, Cars etc, you gambled and lost, so dont start moaning when the peoplw who lent you the money want it back.

-- A Noyd (youarealldebtors@aol.com), April 20, 2002

Answers

Annoyed are you, maybe somtime in the the next 10 years you too may need the excellent advice this site offers! Go crawl back in the gutter where you came from.

-- Daren Otsay (darenotsay@blueyonder.co.uk), April 20, 2002.

Mr Noyd,

Your assertion that "we gambled and lost" needs to be clarified. In my own situation and probably the majority of the other users of this site, we were and are being persued by organisations that have not fulfilled their own procedures correctly.

I am not complaining about the fact that the lenders want their money back but I would like them to provide me with a complete breakdown of how they have arrived at their figures. This is something that my particular BS have failed to do, tell me Mr Noyd, if you received a letter advising you that you owed £53,000 on a mortgage shortfall, when the original mortgage was for £64,000 and the property was sold for £34,995 and they hadnt provided a full and accurate breakdown of how they had arrived at that sum, would you pay the money? I dont think so. The tactics that these organisations use are comtemptible and I really hope that you dont have to deal with them, then again I really hope that you do then you will change your tune. So, I suggest that if you think we are all debtors and deserve the pain and grief that we are getting from so called professional organisations, that you discontinue using this site and go back to the stone that you obviously crawled from.

-- John (sharky_john@hotmail.com), April 20, 2002.

As stated earlier you all gambled and lost, how many of you actually kept in touch with there B/S after reposession or even approached them to see if there was any shortfall, No of course you did`nt, you all kept quiet and thought you could get away with it. Noww they have caught up with you all, you are all moaning, Pay back what you owe and stop trying to find loopholes to get you out of the mess you brought upon yourselves.

-- A Noyd (youarealldebtors@aol.com), April 20, 2002.

As i stated earlier you all gambled and lost, how many of you actually kept in touch with there B/S after reposession or even approached them to see if there was any shortfall, No of course you did`nt, you all kept quiet and thought you could get away with it. Noww they have caught up with you all, you are all moaning, Pay back what you owe and stop trying to find loopholes to get you out of the mess you brought upon yourselves.

-- A Noyd (youarealldebtors@aol.com), April 20, 2002.

Perhaps you'd better do some research and get your facts right Mr Noyd. I for one, had to tell my lender on a form when I handed my keys in where I would be living.

You state that you see "them all" remortgaging for holidays and cars - you'd better clarify exactly who "them all" are because that is certainly not true for many people, and is an unfair comment to make when you know nothing about people's mortgage problems.

It is accepted that there will be some people who want to avoid paying what they owe to the lender, but for the majority of people, they accept they have to pay a debt. They don't dispute that the owe some money to the lender. But what they do dispute is how much, and that in many many cases, the lender refuses to substantiate their claim as per the Civil Procedure Rules which is THE LAW. Many lenders think the law does not apply to them, and deliberately make people's lives a misery by not playing by the rules. The ordinary person doesn't have access to the all powerfull barristers and QCs to fight for them.

In my case, despite owing 28k on a 35k mortgage at the time of repossession, the amount my lender wants is 32k, and yet will not answer letters or any questions about the discrepancies in the amounts they're claiming, but have taken me to court and demanded that I hand over details of my income and outgoings and that of my husband (who I might add I never even knew at the time of the repossesion). And you think that I should stop moaning and just pay up??

You're ignorant of the facts Mr Noyd and a coward. Those with problems who have posted to this board, have admitted their troubles and have the courage to stand up and fight for justice in their cases. You haven't even got the guts to admit your real name and email address.

-- pendle davis (pendle_666@yahoo.co.uk), April 20, 2002.

Hello folks,

No,not you Anoyd - sit down and speak when you're spoken to.

To the genuine contributors to the site - I would just ignore this twerp who is obviously all mouth and trousers and is not worth the time and energy it takes to respond.

The content of Anoyd's postings convince me that his / her 'profession' is that of a partner in Plonker,Pratt & Associates, long established shysters or their subsidiary auctioneering business Nokumdown, Regardless & Co. Either way, not worth a light.

Anoyd - have a look in the dictionary for the meaning of shyster - you might learn something, at least.

-- Joy Harker (fightingback@harker.go-plus.net), April 20, 2002.

Dear A Noyd What a rude and insensative person you are. Perhaps you have only posted to incite a riot & dont truly believe the content of your post. I for one was repossessed through NO FAULT of my own. I had to leave my home due to serious violence. I kept the BS informed the whole time. Meanwhile my husband moved in tenants, but kept their rent money & didnt pay the mortgage. I managed to stop that,but then he moved his mistress in and still didnt pay the mortgage despite the fact he was earning in excess of £600 @ week. Do you suggest I was wrong in not offering to pay all the mortgage whilst the wife- batterer & his mistress lived there? Get a life A Noyd.......and let us try and get one for ourselves.

-- Sandy Lewis (sandilou69@hotmail.com), April 21, 2002.

Strange though it may seem to you, there are people who want to get a decent home for themselves and their children, and aren't wealthy enough to buy it outright. I remember being advised "investing in property is the best thing you can do","put your money in bricks and mortar".You have been totally incapable of putting up a rational argument to support your poisonous statement. I wonder if you would be valiant enough to say that infront of the millions of people who have lost their homes and businesses. I doubt it, Mr A Nerd, your signature says it all.

-- M Amos (idgroms@hotmail.com), April 21, 2002.

I suggest we all ignore this extremely sad individual's comments. It's taking up valuable space on this site which needs to be used for the people who genuinely need it and not for some ignoramous who can neither spell, punctuate and indeed appears, reading between the lines, to be somewhat bitter and sad. Just for the record Mr. Noyd, my fiance's ex-wife who was given the mortgage money to pay decide to spend it on takeaways, clothes and the gentleman she happened to be seeing on the side - perhaps you'd like to explain that one away?!! Even better I do hope your mortgage money is going to the source it is intended.

-- Chris (anon@anonymous.co.uk), April 22, 2002.

How dare you come onto this website. Sitting there all high and mighty when you don't have the first clue about each individual person circumstances. I for one know what it is like I haveb een in constant contact with the BS and have been through courts for advice against my ex partner. One day you may find yourself in the situation where you wife,partner whomever does the dirty

-- (anon@hotel.com), May 14, 2002.