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john

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About john

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  1. This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Just to say we never told them we didn't want a solicitor!!! [ATTACH=CONFIG]55492[/ATTACH][ATTACH=CONFIG]55493[/ATTACH]
  3. I became bankrupt last July as I was joint owner of my step daughters house but there was no equity we were allowed to let her purchase my share for the nominal £1000 plus fees. She had been looking for a solicitor to represent her but she has received a letter saying as she does not wish to use a solicitor she needs to sign and Have witnessed this letter but they recommend a solicitor checks it out. On further enquiry this will not facilitate a land registry change to her sole name. Her worry is that if, heaven forbid, this situation arises in the future the OR will be able to claim I still own a share of the property as I will still be on the mortgage and land registry. As all the solicitors contacted have quoted betweeni 400 and 600 to do the transfer as they say they have to do a full conveyancing service including searches etc. she cannot afford this after paying the fees to OR. To get this letter from the ORs solicitor witnessed and checked over will be £25-£50. But I am worried it will not be watertight. Can anyone advise me please? Thanks
  4. Just received about 5 reams of paperwork from Halifax!!!! Just under half is mortgage related, its all divided with elastic bands which helps but I've no idea what I'm looking for. Can anyone give me any tips on how to tackle this please? Thanks
  5. The property is in negative equity so there is no financial benefit from selling it but my daughter would potentially purchase my share. This debt is included with the bankruptcy but I thought the potential charging order would take precedence.
  6. I did not defend because I had my head in the sand re: mydebts as I did not have any money as I haven't worked for a year. I hadn't evenbeen opening my post, just throwing it into a pile. The property in questionbelongs to my daughter and I was supposed to be guarantor for the mortgage butat the last minute the building society said I would have to go on as a jointmortgagee, and the solicitor would document that I only owned 1% of theequity. When I realised that I needed togo bankrupt my daughter contacted the solicitor, who said they had no record ofthis as they have lost the documents. During this process we both received aletter from the land reg. saying ascent had a charging order and we could agreeor defend it by June 20th. We both wrote to object due to a) my daughter notbeing liable, and b) my bankruptcy which was due to be declared on Monday. Obviously the charging order is my firstworry as it is my daughters property, the debt is very small really. They (Ascent)obtained a CCJ on 1st April and an Interim Charging Order in the County Courton 17th May. Land Registry willbe registering this interim order against the property. The Full Chargingapplication is being heard in the County Court on 14th July. My advice from accountant was to pay all money saved forbankruptcy to settling the charge, but he has today alerted me to thisarticle:- http://www.lawgazette.co.uk/law/charging-orders-and-their-impact-on-creditors-and-debtors/53640.article which refers to several cases whereby the Full ChargingOrder petition has been DECELINED by the Court because the creditor hasobtained a Bankruptcy Order between the Interim Charging Order and the FullCharging Order Court application. (i.e. if I were to get a Bankruptcy Order BEFORE 14th July then there could bea good chance that the Charging Order will be thrown out by the Court) I am even more confused than ever, now, as the accountanthas quite rightly stated that he is not a solicitor and it is just advice. My bankruptcy appointment is at 10am mondayand I have only got the fee to my name. So do I pay bankruptcy fee or debtcollector?????
  7. I had a credit card from sygma on which I owe £2335. they obtained a ccj on 1 April and interim charging order on 17th May. I am in the process of declaring bankruptcy and have now received a notice of a full charging application to be heard in court on 14th July. I have been receiving financial advice re: bankruptcy, and have been advised to pay this before the bankruptcy. I have the £700 for the bankruptcy. Should I write now and offer £700 and the rest instalments? Also should I ask them to accept my offer in writing and put that when it is paid they will fully remove the charge from the land registry and clear the debt from my file? Is there anything else I should specify? Thank you.
  8. Thanks, So you think I should send it to that address instead?
  9. Could I just double check that the SAR goes to this address, please? Halifax plc, Trinity Road, Halifax HX1 2RG
  10. Yes, thats a point!!! Lets hope the postman is a weight lifter then lol. Thanks
  11. Thanks. Sorry for all the questions but I have just been looking at the SAR template and notice it says ALL data held on every account. I had my first mortgage with them at 21 and have had numerous loans, accounts, further advances, over a 35 yr period. Will they send me all this or should I change it to ask just for this loan account?
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