Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I'm new here please be patient with me!
I had a mortgage with my mother to help her and my father out here is my question.
My mother has been paying a token £20 per month and the agreement she had with them was that i would be left alone if she continued to pay the debt as i was only the second person on the list. i have fallen out with my mum a year a go now i have received a letter HL SOLICITORS asking for the full money £17.363.55 but I'm sure that was the first amount that she was quoted anyway here is the letter that i got from them.
we instructed by Halifax to write to you in connection with your outstanding liability to them following the the sale of the mortgaged property described above.
It is clear from our instructions that there were insufficient funds to fully redeem the mortgaged account(s) described above.
There are two methods of payment by which you may pay of the outstanding balance.
1. A lump sum payment agreed by both parties in Full and final settlement . strictly "without prejudice" our client would consider accepting a sum less than the outstanding balance subject to negotiation by reference to the amount involved; or
2. monthly payments over an agreed term.
Our client is sympathetic to your situation and any reasonable offer which may now be made by you will be given serious consideration.
seven & half year old repo
with my mother to help her and my father out here is my question.
settlement . strictly "without prejudice
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