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About TimeToStandUp

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  1. thanks so it's a case of literally picking off all the insurances one by one to lower the cost.
  2. So how do I go about this, it's been a burden on me... what gets me is that a car finance company repossessed the car and then Acf at same car at auction for a pittance.. when they could of sold it in their own dealership to another mug like me for the Same price... I also discovered that someone has been playing around with the mileage !
  3. uHi guys, I attached some documents, the original application, Bill of Sale, the clients Court application form, the court order, some debt collector letters, I have another box with loads more info and later I will add my full breakdown of what I feel is wrong with the wholething, including the shocking info I found from the car once it had been repossessed.. Please find the docs attached to view. TTSU.pdf
  4. i do have the original court paperwork and a draft letter fro Stephenson solicitors, but at that time I couldn't afford for them to represent me, and I think that's when I gar up and stupidly did nothing. I dig it all out and scan it and upload here
  5. Hi it was a joint debt with my wife, as I Was doing the process of getting ready to sell, I had to have her removed from the land registry, which I did last week. id This is a full charge on property so has to be cleared with any sums.
  6. Hi I bought a car from Approved Car Finance in 2008 for around 6k, Back then I couldnt afford it and it got repossessed (illegally according to Stephensons Solicitors). The Funding Corporation took me to court, Back in those days there was no websites like this to help so I hid my head in sand and lost.... I had the odd letter from them, a year or so later a solicitor sent a nasty letter which I wrote back with a load of complaints, I trying to rebuild my life, as my wife passed away a few years back I met a lovely lady and we started a family together, but we need to move on, I decided to sort all my debts out and look to move... today this is in tatters as Funding Corporation want £27k to settle this debt, which I truely believe is all miss selling. PPI, Warranty on Car which was not fit for purpose, GAP Insurance, I was without the car for the first month as it was faulty, illegally repossesd... Where can I go from here, the CCJ was recorded in 2010, and they put a charge on my house.
  7. Thanks UncleBulgaria... Its a bit frustrating I can see why he not doing it as he wont meet the criteria, but if he has the house and she has nothing but cant move on with her life as she still got that round her neck then its wrong.
  8. This had been done... Basically it was a torrid relationship and she just wanted to get out for her and her daughters sake.. Life was made miserable for her.. The only line in the Divorce papers is the one where it actually states that any property is to be treated as if death has occured unless there is a will... So my interpretation to that is that everything is his.. she has no issue with the equity or anything, she gratful to be out and starting her life afresh...
  9. Need a lot of help on this one please for a very good friend... Basically she had a mortgage with her Ex, but they split up and finally divorced in 2012. She just wanted to get away and basically waved all rights to the house, in the divorce papers it actually states that any property is to be treated as if death has occured unless there is a Will. She been asking her Ex for many years to be taken off of the mortgage, but it was one excuse after another, so today we decided to phone the mortgage company up and had on loudspeaker so I can listen. Basically the mortgage company have said unless the Ex phones up and says he wants her taken off the mortgage then there is nothing they can do. So she is literally stuck on it, an in reality at risk her self.. They say he has to satisfy criteria that he can take over the mortgage on his own.... But in reality she doesnt care what happens to the house, as no matter what she wont get anything.. What is the best way to move forward because in reality he knows he wont satisfy the criteria on his own despite paying it for the last few years, so he can just sit with her name on the mortgage for as long as he wants untill it suits him Please if anyone can advise the best way to proceed...
  10. Received a letter this morning from Lowells, its a court form stating that they are discontinuing this claim....
  11. The form from the courts said that its the claimanat has to pay £55 to the courts to advise if they are to continue. I personally dont have any documents to issue.
  12. 3 Days left for them to file, and I not heard nothing... I presume there fishing trip has been unsuccesful... and to save them more costs as they have to pay to take it further.
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