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Muffintop last won the day on February 23 2009

Muffintop had the most liked content!

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About Muffintop

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  1. thanks has Slick got view of this or do I need to pm him as we desperately want to get ball moving on this one
  2. My husband had a business which ceased trading as a result of this my husband had a loan, which he had to pay back to the bank, to pay all the debts, which the bank called in the (overdraft) he had been given. He was a sole trader, . He was supposed to be paying £200PCM via direct debit he would transfer money to this account or pay in cheques to cover the payments. The cheques that went into the account were made payable to ***** He was apparently four months behind on payments but was unaware of this. He works for his father’s business now, and is a
  3. Lloyds solicitors have rung husband today and asked for a monthly negotiation figure of under 500 a month if he can negotiate something they will go ahead under a tomlin order. they wont freeze interest though but have lowered it a bit. What do you think? got to be better than a charging order
  4. Case moved to our local court. Hearing date received today for 15 Aug copy of the request I made to defend attached to it, no directions from DJ as to whether this has been agreed? I am assuming it has and as per previous posts after going through official complaints process re duress with Lloyds we can see that we are stuffed in any defense to taking out this loan and best to try to bat off any charging order. This means that we have 8 weeks to challenge the results of the complaint with Lloyds or go to FOS and if we dont they are willing to negotiate with us.. Should I therefore l
  5. HI Guys just checking in... nothing to report at moment apart from been transferred to our local court and have been in negotiation with Lloyds who have said they want to wait for a response to our written complaint about duress before we re commence any negotiations.... suits me sir.. may then defer longer if take it to fos... all giving us time to sell anything we have to raise some money as a bargaining tool...
  6. I think worth a punt too, start low then you have somewhere to go to..yes you can asked for it to be transferred to your local court. I requested this for ours and its coming over.. watching with interest as we are just behind you. Only thing holding our court case at the moment is we made official complaint to bank and they have to respond fully within 8 weeks, will prob then go to fos and extend the complaint a little longer
  7. Right thanks... so I dont see the point of defending charging order on the grounds that Lloyds would get preferential treatment over unsecured debts, as it only hightlights that they exist. I cant find sequences thread on charging orders can anyone give me the name of thread of a link pse
  8. Is it possible to have loads of charging orders on your house or just one? ie could Lloyds put on on with a secured debt .. and the credit cards also get one for unsecured debts?
  9. Lloyds sent us letter today re the sar we requested and why it was declined. As the request was for information pertaining to a Limited Company (now in liquidation) which is in itself a dinstinct legal entity, for which you are no longer a director, you are not entitled to information you requested as per your letter. With express written authority from Lieuidator the ban k may be able to provide some of the information you have requested. We DID NOT TAKE OUT PPI Insurance.! So husband now needs to negotiate with Lloyds or show that he has tried to.. advise court that no lo
  10. Thanks guys for all the support. Can I ask you hang around on my thread for a bit longer to see what unfolds and to get any further opinions on charging order situation and what happens with the court cse if any. I do intend to advise husband to ring Lloyds re the PPI.. put it in writing and seek advise from the Information Commissioner on this issue as it may show Lloyds have been obstructive in providing information. I dont understand why a defense to a charging order is that it would give preferential treatment to one creditor? can anyone answer above. This is the sticking point my
  11. Hi read all above posts thanks. Reason I have turned around my decision to attempt to defend a indemnity guarantee, is because any defense we had was weak and we cannot afford to end up in a worse case of debt than we started with ie with costs and solicitors fees, I didnt realise at that stage that any sar would be fruitless as the debt came from a business overdraft and loan which were consolidated into a guarantee and indemnity loan secured on my husband as the only director at that time of a business which has since been disolved and is with the administrators. Hence he cannot obtain i
  12. thanks,, I know the right thing to do is withdraw defense and challenge the charging order. I do not want another 10k debt. I will then challenge any charging order threat as this is something I feel more comfortable with. I have decided to ring court Mon or Tues and ask how to withdraw defense and husband can speak to other side and see what their thoughts are on a full and final, this will also be put in writing for our records and as evidence for a dj in case of co being requested.
  13. Thankyou Mould.. it can wear you right down when you have more than one legal issue to contend with and this is way out of my depth. thankyou too Donkey, I spent a week ringing solicitors no one will give us free legal advice prob due to our jobs, wage house having equity, the ones that would even consider seeings us wanted 350 plus an hour, or one solicitor 1800 on account. I dont want to flog a dead horse,, excuse the pun Donkey, I think were stuffed with the guarantee and indemnity thing, (hopefully someone reading this thread will think before they sign one in future) we may be able to r
  14. Maybe we might be able to borrow the money in the interim to selling the car... but how do I now withdraw my request to defend the case.. my n244 which has been received. I can then defend what I stand a good chance of winning the co
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