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tedney

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  1. Thanks for your help dx, Am sending SAR's off today. t
  2. Thank you dx. "I subsequently agreed to a Legal Charge on a property for a fixed sum" But the CH1 Legal Charge, Paragraph 8 stated "To secure the sum of £9,817.15 only, such sum to be repaid by a schedule of repayments as may be agreed by the parties from time to time" I had an agreement, as referred to in post numbers 55 and 67 amongst other posts on this thread and payments were made on a monthly basis for many years. My point is that the balance owed, after the agreed monthly payments made after the issue of the CH1 to clear the charge as at January 2023 was lower than that stated by Mortimer Clarke. They were informed of this. I received no statements from anyone showing all payments made. I "panicked" (as you describe) as I was threatened with bankruptcy and had inadequate legal advice as mentioned in a previous post on this thread. I'm just trying to obtain some justice!!! In response to post 85: I quote from my post number 82: Before the Legal Charge was issued Weightmans tried to make me Bankrupt. This was dealt with in a county court which made an order in the case, dismissing the Bankruptcy Petition. In the Court's Order, there is a Note to Debtor: “It is your responsibility and is in your interest to ensure that the registration of the petition as an entry, both in the Land Charges Register and your registered titles, is cancelled.” I have checked today and can confirm that the entry of the charge on the Land Registry has been removed. Does this satisfy the Court's Note please? That is a quote from the court order when the bankruptcy petition was dismissed.
  3. Thanks dx. if I understand you correctly, I should send a SAR to Mortimer Clarke? The payment was made to their account. They were taking instructions from Marlin Europe 1 Ltd. No action is needed on the Court's Order? I understand about the other Cabot debt. Thank you. t
  4. Before I contact Cabot about this charge "con", what are the views about the situation I now find myself in please? I set out below, for ease, the history of this matter. I am currently being chased by Cabot about an old credit card account which Cabot have confirmed is unenforceable. They have offered me a settlement for this old account which almost covers the overcharge for the Marbles Registered Legal Charge. The Marbles card debt on this thread was "satisfied" by the sale of the property on which the Legal Charge was registered on a CH1 form with the Land Registry dated 19th April 2007. An inflated sum was paid to the solicitors, Mortimer Clarke. I disputed the amount they requested. My conveyancing Solicitor advised that I pay the sum they requested in order not to delay the sale of the property, The inflated sum was paid in January 2023, and MC confirmed their receipt and the sale proceeded. MC confirmed their client as Marlin Europe I Limited. 1. The CH1 “Legal Charge of a Registered Estate” was taken out by the Lender HFC Bank. The debt was passed about to various debt collecting bodies, but the repayments were always made to Marbles, until they refused to accept the instalments, I ceased paying the instalments! It was never confirmed to me who actually and eventually owned the debt, as correspondence was always with solicitors, Weightmans and Mortimer Clark. The solicitors’ correspondence referenced their clients as “Phoenix Recoveries (UK) Limited S.a.r.l, on behalf of Potomac Recoveries, and Marlin Europe I Ltd” I have never received any correspondence or confirmation of any sale of the debt from Marbles or any of their “Clients”. I think that HFC no longer exists? If so and given that the CH1 Registered charge is in HFC’s name, is there any other steps that I should take to ensure the charge is properly removed please? As the charge on the register has been removed, is this still relevant please? 2. Before the Legal Charge was issued Weightmans tried to make me Bankrupt. This was dealt with in a county court which made an order in the case, dismissing the Bankruptcy Petition. In the Court's Order, there is a Note to Debtor: “It is your responsibility and is in your interest to ensure that the registration of the petition as an entry, both in the Land Charges Register and your registered titles, is cancelled.” I have checked today and can confirm that the entry of the charge on the Land Registry has been removed. Does this satisfy the Court's Note please? Is there anything else I need to do to satisfy this? The original Legal Charge on the CH1 included a Weightmans fee of £741.50. The sum of £7,322.36 (including W. fees) was paid to Mortimer Clarke to satisfy the charge in January 2023. According to my records, the actual sum owed, after considering the repayments made since the Legal Charge was issued, was £5,889.88. The last payments before the £7,322.36 were made in 2021. The last account statement was received in October 2009. A total of £180.00 was included on the account relating to “Late Charge Assessments and Late Payment Admin Charges”. No PPI charges were applicable. The "One off Payment" for the unenforceable account that Cabot are offering is £1506.14, the overcharge of £1432.38 on the Legal Charge almost covers the unenforceable account debt. Is there an undue enrichment case for Cabot please? Thank You t
  5. Good News! I have spoken to the solicitor, and she confirmed no need for a codicil! I have made a small donation to CAG! Thanks Again t
  6. Thanks everyone for your help. I did just ask how much a codicil would be. Following the comments here, I will get back to them and ask 'if a codicil is required for change of addresses" I will let you know of their response, although now I suspect that they might say yes! Thanks t
  7. What is the best way to proceed please? My home address stated in my last will and testament is now out of date. It is not referred to in a numbered paragraph, merely as " This is the last will and testament of me tedney, 123 Anyplace, Anytown, AA11 1AA. Whereby........' In paragraph 2, the home address of one of the executors and Trustees is also now out of date. I have been quoted nearly £200 by a solicitor to make out a codicil. This seems a very high sum! Can I just file, with the will (which is in my possession), a type written note showing the 2 new addresses? No names or terms of the will will be changed. Will that be acceptable? Thanks t
  8. OK My contract is for 2 years. I have received 2 seperate monthly bills to date, both of which are similar and agree with the"sign up" deal. The charges on the bill are shown as: "Monthly Service charge £* (actual charge shown on bill) Your Promotional Discount Until *September 2025 £* (same as charge shown on bill)" Not checked yet with the provider, but, going forward, what can I expect to pay monthly in the future? From the statements, can it be that the discount will be applied for 2 years? Surely not! Thanks t
  9. The reason for my post was to try and find out if there is any advice as to how I can pursue with OFCOM without a "deadlock" letter from Hyperoptic. They are not responding to my emails. In their terms and conditions they have a set daily amount that they pay out for delays for providing their service etc. I had to pay out for a 4G dongle which they failed to provide, even though they had confirmed to me that they would provide FOC until proper connection .
  10. Thank you fkofilee Some compensation for my time and expense as the company did not provide the services etc as outlined on their documents
  11. UPDATE Have had acknowledgements from both Westcot and Cabot about this matter. According to Cabot, I am due to get a further update from them by tomorrow! Westcot correspondence is sent to my correct address, whereas Cabot's letters are still addressed to my old location! As this account was defaulted a number of years ago, it does not show up on my credit file. Since its' inception, even when it was an operating account, the account has never been included on my credit files!
  12. I recently moved to a new build property, and was advised in writing by Hyperoptic that their equipment was already installed in the property, so start up would be very prompt. After about 5 weeks after that confirmation, I was able to confirm my completion date and an order was placed. After numerous emails and phone conversations, I was finally connected to their broadband system 2 months later! I made a formal complaint, and their response was inadequate, I asked them to send me a "Deadlock" email so I can pursue with OFCOM. The email requesting the deadlock confirmation was sent to Hyperoptic on 25th September. I have chased them twice since but still have had no reaction or reply. What could be my next steps please? Thanks for reading t
  13. ref post #3, I think so, I used the date quoted by an admin on another thread I posted. Please refer to my post #4. ref honeybee13 post above. My title of this thread was "lifted" from a post by dx100 on another recent thread of mine. In reponse to you original post here I tried to identify from my "history" which of my previous threads was dx referring to. So this thread could be merged with the old one as it is for the same debt.
  14. Hello honeybee13 Hopefully this is the link you requested. I am not an expert "online" so please consider that!
  15. Admin: I think there is an old thread for this debt? I requested a CCA from Wescot for this debt on 19th September. As with other debts I was paying a nominal monthly sum to Natwest for this account. I was then advised that they had passed this debt to Cabot, with Westcot Credit Services Ltd administering the account. I used to receive monthly statements from Natwest. I continued to pay a monthly sum to Natwest. After Natwest passed the account on, monthly statements ceased. Periodically I would get a letter from Wescot about the account which I ignored. Following the CCA request to Westcot, I received an acknowledgement from them. Today I received a further letter from Westcot advising me that they "will need to contact their client, this process may take several weeks" ! Do I just wait for their response, or take any other action? I am not paying anything on this account now. I notice that their letter received today has a bar code and QR codes on it, which the previous letter did not, and their client is shown as Cabot Financial Europe Ltd-RBS. Is any of that relevant? Thank t
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