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harper

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About harper

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  1. harper

    HFC Advice

    Another year on and no further forward. The only contact I've had with HFC (now HSBC) is a form for repayment of PPI. I filled this in and returned it they have upheld my complaint with regards to the PPI and repaid nearly £2k off my outstanding existing balance. I only found this out by telephoning them and I didn't question it any further as I do not want this inhibition to be extended. When the inhibition was re-issued in 2013 I was told by the sheriff officers serving it that I was to wait them out and in five years time it would be removed.
  2. harper

    HFC Advice

    They ignored my request Ida. I have sent them another failure to comply last week.
  3. harper

    HFC Advice

    I'll need to dig it out Dx and let you know but from memory I don't think HFC have ever sold this debt on and everything served has been from them.
  4. harper

    HFC Advice

    Another update. The solicitor involved has only just gotten a statement saying I owe the £26+k and an admin fee and hasn't contested it just asked me if I was settling the debt. When I said no she just wished me good luck and closed the re-mortgage case I'm going to put in an official complaint to HFC and contact the Ombudsman again but I don't hold out much hope. I've also got an appointment with StepChange as I fear that even if I sit out the 5 years that HFC will renew the inhibition.
  5. harper

    HFC Advice

    Just to update this nearly a year on and I'm no further forward. We wanted to change our mortgage product and our mortgage provider went through a change of hands so we had to complete the process as if we're remortgaging. Obviously this has been flagged up with the solicitor appointed to act on our behalf and I have left the whole sorry mess in their hands. That has been 3 months now of hearing nothing.
  6. I didn't think I'd need to update this thread but hey ho. This is still rumbling on. They are now Paratus AMC and I have contacted the Ombudsman who told me to complain directly to Paratus. The initial DSAR request showed them admitting liability in not contacting me after the property was sold to recoup the loss amount. They said they couldn't contact me and I have it in black and white that I supplied my new contact details during the repossession period. They then contacted me as per my initial post in 2010. I requested a DSAR and they supplied it. What they didn't supply was any 3rd party correspondence between them and the 3rd party in relation to the repossession and subsequent sale of the property. I queried this and didn't get a satisfactory answer. I (two weeks ago) found that the debt is still showing on my credit file so contested it and I've inadvertently alerted them to the fact that the money is still outstanding. Due to this I sent a limitations of statute letter and requested a breakdown of fees etc. What I received was a one page letter noting my points but not answering anything and randomly a page of the house being valued at x amount and the purchase price £15k less and the contact details of the person who bought the property. Nothing about the statute of limitations. Today I receive an answer to my limitations letter: The reply states because I've been in contact with them (at no point have I spoken to them verbally or noted down in a letter specifically stating I am admitting that I owe that amount) that I'm admitting liability. "we note your comments in relation to the debt being statute barred but would point out that we have made contact with you within the time lines stipulated by the FCA." Is this right? The letter then goes on another two pages apologising for not acting on my change of address and the fact that they are not at liberty to provide any 3rd party correspondence. I'm going to go back to the ombudsman but any help would be great.
  7. harper

    HFC Advice

    Nothing to suggest that penalty charges have been applied. I have two photocopies of the original loan amounts with my signature on there and detailing PPI charges of a couple of grand each agreement. The rest is all print outs from their system showing payments not received after a date which was back in 2006.That's it! Unfortunately I'm in work so cannot check what is exactly on there but I have sent them the failure to comply stating that they have failed to confirm why the amount is so high, that they have indeed served an inhibition so there should be a record of it in the documentation they have supplied and the fact that I have no 3rd party information relating to any of this.
  8. harper

    HFC Advice

    DX the statements are printed sheets of paper with something along the lines of04/04/08 - no direct debt set up, payment not received. There is NOTHING that I have seen on the bundle of papers that explain where this amount is coming from. There is no 3rd party documentation stating when, how and how much was added to the account when solicitors, messengers at arms etc where instructed to act.
  9. harper

    HFC Advice

    The letter I've received is an official court document served to me by Walker Love. The agents who served me advised that I cannot sell the property for 5 years if I can wait that out then the inhibition will be dissolved. I don't really have more info than that as they served me while I'm on nightshift so I'd only had a couple of hours sleep when they woke me. They asked me for my work address details which I refused to give, they also asked for my contact details and I replied that HFC already have this information, I didn't invite them in and the whole exchange took a couple of minutes. I haven't spoken to HFC as yet as I am planning on doing that tomorrow morning. I have also booked an appointment with a financial adviser to get the remortgage in place but of course I have to declare the inhibition and the fact that HFC want close to £26k from me. I will need to get some legal advice as to whether I can still remortgage but not ultimately changing the deeds. If they enforce this or I can't come to some agreement with them then I will be homeless and bankrupt as I cannot commit to repaying £26k and the £30k we borrowed to get the property we're in now. The property will not value enough to redeem both.
  10. harper

    HFC Advice

    Further update: I recently sent them a Failure to comply letter outlining the three points in my last post. They have responded by serving me another Inhibition notice for the £25k+ amount.
  11. harper

    HFC Advice

    I finally received the SAR yesterday after fighting to get it three interesting points though: 1: The cover letter states"please be advised that any system generated letters can not be enclosed as copies of these are not kept". 2: I seem to have PPI across two loan agreements they have for me. 3: This is the biggie. There is NO reference to the inhibition on my property and NO reference to the amount being £25k+ due to charges. In effect I've been sent two original loan agreements and a whole stack of account enquiry printouts, account update screen printouts and printouts showing my account being in arrears and a really shaky set of notes on the account mentioning my husband trying to set a figure for agreement which is strange as the account is solely in my name so if that was to happen (husband knows very little about this account) they have failed dpa straight away. Answers on a postcard please... I seem to have a whole lot of nothing from them other than a lot of sheets of paper showing my name, address from then to now and phone number.
  12. harper

    HFC Advice

    I sent the SAR but haven't had the cheque cashed or any confirmation from them. I'll call them tomorrow to confirm that they have the details as I sent everything on the 5th Jan.
  13. I did as you suggested, requested another letter and sent it off to the registry trust. I have received a letter from them telling me they are dealing with my request, the cheque has been cashed and I checked my credit report today and it's no longer showing so they've been very speedy at resolving this for me although they've yet to officially confirm this. Thanks for the advice.
  14. I didn't Ida as I didn't realise I had to. Alas I don't think the decree was paid within a month it being issued. I think it was a few months down the line. I suppose I should contact G&S with the money they've asked for and I'm guessing to have it removed it'll be costing me approx £25.
  15. In 2008 I had a CCJ registered in my name due to an unpaid surveyor's bill for an amount of £207. Not long after the CCJ was registered I repaid the debt in full and received a letter of satisfaction which I had specifically requested. I have now recovered from long term financial difficulty and due to trying to resolve another financial matter (thread on here) I found that although the debt was repaid the CCJ was never removed. I contacted my local court who advised me it's no problem to remove as long as I have the letter and submit that and £4 to the Registry Trust and they will remove it. I wasn't all that happy with this as I had assumed that once we paid the debt the CCJ would be removed as the company involved were under obligation to advise the court or registry that the debt was satisfied. I then had a search for the letter and although it's probably here somewhere I couldn't find it so I phoned the company involved (Graham and Sibbald) as I had every intention of phoning them anyway as I wanted to advise them that the CCJ had never been removed etc etc. I called the company have been basically told it's not their responsibility and if I want another letter it's £15 + vat. Is this right? Was it my responsibility to ensure that the court was advised?
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