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Advice From Experienced Member Needed

PostPosted: Sat Feb 23, 2019 12:38 pm
by samyalson
Hi

I need to ask whether my planned actions now will negatively affect my plans.

In short, I have 2 CCs, one with a £10k balance, and the other with £7k, as well as a mortgage of £116k.

I planned to stop paying the CCs this month, wait for the correspondence and then send the letters available on this site. In the meantime, I will continue paying the mortgage until I have researched how to challenge it successfully.

Based on research I've been doing, challenging a mortgage is harder because of the amount, as well as the fact that there is a 3rd party involved, the land registry. But based on what I was reading and watching yesterday, this process will be long and drawn out.

I want to ask someone who is more experienced whether stopping payment of the CCs now can affect my plan to change my legal status.

Thanks in advance.

Re: Advice From Experienced Member Needed

PostPosted: Sat Feb 23, 2019 4:56 pm
by pitano1
Hi. Sammyalson.
Welcome to the site.
Credit Cards=frauds
AND-Good thinking regarding your mortgage.

Having never had one, I have not watched the process through the courts ie..Micheal of Bernicia.e.t.c

Bit confused regarding your last question.

warm regards.
pitano1

Re: Advice From Experienced Member Needed

PostPosted: Sun Feb 24, 2019 11:25 am
by samyalson
Howdy pitano1

Thanks for the welcome :shake:

I'll look that name up, cheers.

What I meant by the last question was, if I stop paying my credit cards, will this have a knock-on effect regarding challenging my mortgage at some future point? i.e. make it harder. I'm looking at this as a chess game, and I don't know if non-payment of credit cards now will have future repercussions on challenging the mortgage.

Re: Advice From Experienced Member Needed

PostPosted: Sun Feb 24, 2019 3:44 pm
by pitano1
Hi. samyalson
[sic]
What I meant by the last question was, if I stop paying my credit cards, will this have a knock-on effect regarding challenging my mortgage at some future point?

As I say,I have never had your opportunity to challenge,but I think if you
challenge the promissory note /mortgage/whilst remaining in honour.?

But I could be wrong. :grin:
PS.
If you have not seen this info you may find it of interest.
https://www.thebernician.net/banking-crimes/
warm regards.
pitano1

Re: Advice From Experienced Member Needed

PostPosted: Mon Feb 25, 2019 11:32 pm
by samyalson
Thanks Pitano1

I'll take a look at look at that :yes: