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Mother-of-three forced to live in her car

A 41-year-old mother-of-three has been reduced to living in her Mercedes 230 car after her £1m house was repossessed by Mortgages PLC – despite her attempts to clear the debt.

The plight of businesswoman Samantha Von Daniken first came to light in The Sunday Telegraph last month after MPLC foreclosed on £546,000 of mortgage debt.

But Von Daniken claims she was defrauded by her former partner, Simon Clive, whom she alleges remortgaged her onto an MPLC self-certification deal from Future Mortgages, keeping the equity he raised for himself and signing the house over to his name.

Now Von Daniken&#39s case has received the backing of The National Association of Mortgage Victims.

NAMV administrator Carol Riley says: “I was saddened to hear of the plight of Samantha – especially as small children are involved in the eviction.

“Over the past few months we have seen an increase in the number of enquiries from borrowers who have found themselves under similar threat. In common with Samantha they had all been on self-certified loans.”

Clive moved into the house she owned within months of meeting Von Daniken in 1999.

He then told her he could raise around £100,000 through a remortgage deal with MPLC.

Von Daniken alleges that Clive then took out a self-cert deal for £380,000 claiming he was earning £120,000 a year whereas in reality she says he was earning less than one tenth of that.

She says Clive later walked out on the relationship, leaving her to make the £3,600 monthly mortgage repayments on her own.

Von Daniken alleges Clive stopped her direct debit payments to MPLC and by February 2001 the mortgage was £16,000 in arrears. But despite Von Daniken offering to pay the amount to Clive to pay MPLC, she claims he refused to accept it.

Clive also tried to sell the property whereupon Von Daniken got a court order to prevent the sale.

But despite her efforts to resolve the situation MPLC repossessed the property late last month, forcing her to live in her Mercedes, a birthday gift from her mother last year. Her two youngest children, aged 10 and 12, have been forced to seek sanctuary with their biological father. Another child, 21, is in Switzerland.

Von Daniken says: “I feel like a modern day suffragette. All I want is my home and children back. MPLC simply came in and repossessed the place. It didn&#39t deal with the fraud issue.”

MPLC sales and marketing director Peter Beaumont says: “As a matter of policy MPLC believes it is inappropriate to comment publicly on an individual borrower&#39s personal circumstances and we will not do so.”

Von Daniken will appear at the London County Court on June 14, when she hopes the case will be resolved.


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