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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 i
  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. Duri
  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
  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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