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Just to say we never told them we didn't want a solicitor!!! [ATTACH=CONFIG]55492[/ATTACH][ATTACH=CONFIG]55493[/ATTACH]

I will try and post it tomorrow

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

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

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.

Thanks a lot

yes, sygma is their client

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?????

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.

Cheers

Thanks, So you think I should send it to that address instead?

Could I just double check that the SAR goes to this address, please? Halifax plc, Trinity Road, Halifax HX1 2RG

Yes, thats a point!!! Lets hope the postman is a weight lifter then lol. Thanks

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?

Thanks for the advice. Should I sar them at the same time as I return the questionnaire as it says theres a time limit to return it?

Have received a letter from the Halifax re: "the concerns about the suitability of the policy", much to my surprise as I had no idea I had ever had any PPI (as I keep telling the frequent annoying callers). It appears I did!!! After ringing them today it relates to a loan taken out in 2005. I was told to send in the questionaire. It takes me all my time to remember what I did last week, let alone nearly 10 yrs ago, so how much detail/accuracy do they need? At the time I was employed and got full pay if sick. I have been disabled since the 80's and have had cancer so always refused ppi as I could never have claimed it. I have no idea under what circumstances I would ever have been persuaded to take it, its a mystery to me.

Thanks. Will do.

Is this letter OK? Have I missed anything out or added anything I shouldn't, please? I am going to send it next day recorded deliver tomorrrow. Thanks I am writing to notify you that I am exercising my right to terminate the above agreement under Section 99 of the Consumer Credit Act 1974. I understand that I will be liable to you for the amount calculated under the formula in Section 100 of the Consumer Credit Act 1974. That is £6811.28 less any amounts paid including any deposit. That total is £9940.98. There are no payments outstanding on this account. Should any payment be due for part months or any other reason please send a final invoice. I believe this vehicle to be in reasonable condition and I have always taken good care of the vehicle, excepting normal wear and tear. I have photographic evidence of this. Please send me details of how the vehicle can be returned to you. Please confirm receipt of this request by telephone to me on

Ah, thanks. I have just checked and I have paid well over the amount needed for this.

It says Close Motor Finance Ltd Conditional Sale Agreement Regulated by the Consumer Credit Act 1974 at the top of the page???

OK, another spanner in the works here!!! The agreement says that I have no right to cancel this agreement under the consumer credit act 1987.

Thanks. So just to clarify, I send a copy to the dealer I bought the vehicle from and a copy to close finance, next day recorded delivery. I can then cancel the direct debit and wait for them to tell me what to do with the car?

I have drafted the letter, can anyone confirm that I won't have to make any payments when they've received the letter? Also do I send it to Close finance head office? Thanks

Thank you for all the advice. It has been very helpful.