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just_so

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  1. If anyone has any advice on the following problem I'd be very thankful. I'll summarise but it's alongone. I signed a Scottish Trust Deed Mar '08 (Scottish IVA ish). I owned the property my wife and I stayed in.In Aug '08 we separated. I left the property and she found an appartment soon after. I informed my trustees that the house was to be sold, as the separation was initially 'messy'. I found rented accomodation. The trustees then insisted I clear it of all belongings. Once I did that the trustees changed the locks. I then ceased to pay the mortgage as the expected equity would cover my TD and more. I had no means of entry, no means of accessing any services. The council insisted I was liable for council tax, and I have to say as I was paying a new council tax, different council, I felt VERY hard done by, as I had no influence over its sale and I was completely excluded from entry (locks changed). Eventually I payed the bill (50% reduction except for Water charges, which was over £1000), suffering quite a bit of hardship after the separation (trust deed, solicitor fees & MORE). My trustees failed to sell this (credit crunch blah blah) and 20 months (I would never have believed it would have taken that long when I left) later it was still up for sale (they never discussed much with me regard the sale, and I dont believe they did much in terms of maintenance) They then informed me that it looked like that the Bank would reposess. As I no longer lived there it was a case of the sooner the better as the whole thing was depressing me. Finally I recieved an eviction order from the Sherriff officer telling me the eviction would take place on the 15th Feb 10. A letter from the banks solicitors told me that if I wished to discuss I was to phone them, if not on the eviction date they would be in possession of the property. (obviously I couldnt be physically evicted as I no longer stayed there) I sent the documentation (eviction note & letter) to the council and asked them for a settlement figure, (I reckoned I still had £50 to pay). The endof the story. Not at all. Out of curiosity I telephoned the banks lawyers on the afternoon of the eviction, and they told me that the eviction had been cancelled. I was not notified in any way ! I was stunned. They told me the trustees had stopped the eviction. Finally a month later March I was handed another eviction order for 22nd March. The council want to charge me to 22nd March but I believe that I was evicted on 15th Feb, and no documentation exists to suggest that the eviction was cancelled!. I had recieved no calls, letters or otherwise telling me this. Essentially they have evicted me then unevicted me, and I certainlly dont think that this is fair, and as this is a matter of about £80, I think these 3 large companies, the Trust Deed Company, The Bank, and the council are taking the p. I got a councillor involved but I dont really know what to do next because Ive been bled dry by all sorts since my separation. I just cant see how they can 'legally' evict then decide 'nah, not today' Should I get a lawyer (ive no money but I can get 1/2 hr free through my works scheme) any help appreciated thanks
  2. Thanks very much SoS. Just to add a little turn to this, last night I recieved a call from an 0800 number. The caller asked if she could speak to Mrs X (the lady who was sent my bank acc details, who lives in a completeley different part of the UK). I tried to hijak the call quickly and tried to find out who it was but they just put the phone down. Its getting quite worrying and my wife has had a couple of funny 0800 numbers that have just hung up. I will follow the procedure and I will not give up. BT Vision seem to be a totally different outfit and there seems to have been an almighty cock up somewhere in the personal data. Thanks for your encouragement and I appreciate your reply.
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