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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
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House Crowd Finance are seeking possession of my property


CornishRose
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Hi all.

 

I have a Claim for Possession on Wednesday 10 January.

 

I had taken a bridging loan (2nd Charge) with House Crowd Finance back in Jan 2017, the exit strategy was to sell the property.

The term ended end of Oct 2017, and I had not sold the property.

 

The property was put up for sale back in Nov/Dec 2016, I didnt have many viewings, and no offers.

 

Around Feb 2017 I became ill with Depression and Anxiety and was unable to do any viewings.

This went on for approx 3 months.

 

The Agent then suggested taking the property off the market as it would go stale...

Also around this time I tried to find alternative financing but could not.

The property was put back on the Market Nov 2017.

 

The property has still not sold.

The property was originally on the market for 445k and is now on the market for 430k.

 

There is enough equity in the property. 1st Charge 290k 2nd Charge 47k.

 

I dont think the loan is regulated as its not from one of the main banks.

So they dont have to follow any of the protocols a normal mortgage provider does.

 

I know I have to sell the property,

I just would like to stay there until it is sold.

 

Thanks.

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name names please and who is trying to repo for what>

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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have you been keeping them informed?

why wont they let you stay till its sold

can you not extend the time limit?

 

not really up on this crowd funding lark as its out any kind of normal regulation...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, I have never contacted them directly, its all done via their Lawyers.

 

Their Lawyers contacted me at the beginning of November 2017 saying that they were going to seek Possession of the property, I emailed them, asking them to ask their client, House Crowd Finance, to extend the time for me to sell. I never heard anything again until I received the court notice of 21 December.

 

I don't know what to do either?

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start off with by looking at the terms of the loan and see if they can force the sale or are just wanting it to recover their monies.

 

They may well need the co-operation of your mortgage co to do this so speak to them as well.

 

I suspect that they have included terms which allow them to add massive fees and costs for this so it is possible that they are just trying to earn a few quid in costs rather than actually want to sell the house to get their money back.

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Ive had a look at the contract but nothing is standing out!

 

Of course they are adding a load of fees. Lawyers are already 5k.

 

I am going to try see if I can argue my case for staying in the property whilst I sell.

 

So If anyone has advice on that, its a start. Thanks

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to repeat myself,

what do the terms say?

 

My advice is to read and understand them.

 

Also are you paying the mortgages,

if so they wont get a possession order

and may not even get their fees as the court will decide on that as well.

 

they cant charge you for something they arent entitled to do.

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