so if it turns out it is a charge absolute through the court can they then chase the debt even though the has been no communication about it since early 90's? or is every type of debt unforcable after so many years. I'm quite happy to take on the charge with the property if thats what it takes. But if we can get it removed because it hasn't been dealt with for so long that would be better. Was thinking of offering settlement figure to get them to take it off. But I was worried that once I offered some sort of payment they would be able to enforce the full amount. Thanks for your help

Hi not sure where to post We are trying to transfer my Dad's house to me. However we thought there was a charge on the property of £31000 and were told if there is we can't transfer deeds until debt is cleared. It turns out that after contacting the land registy that there is a caution on there not a charge. Does this mean that we can now transfer deeds as its just a caution? We only managed to find out amount of debt through barclays and it was in there closed cases unit. They are still charging 23p a day interest onto the account. Is this right for a debt in the closed cases and that there hasn't been any correspondence for in over 20 years??? Main thing is I need to know if the caution will stop the transfer from happening. Thanks Z If there is somewhere better to post this please tell me and I will repost.

hey more help needed. They have now sent me a letter before action saying the are going to pass on to solicitors and bailiffs, should i still ignore or write to them saying they have no right to do that as they have not provided me with cca and have completely ignored my request for it. Thanks Z x

thanks for your reply. Im trying to ignore them but they keep ringing. Should i even bother sending them a letter to say they have not complied by sending a copy off cca in the correct amount of days or just completely ignore until the send something else.

Hey everyone, I have an outstanding loan with Bank of Scotland, the debt has been passed onto moorcroft and more recently capquest. I have read some things that capquest are not very nice to deal with so i sent them a letter requesting a copy of my credit agreement. They sent a letter back saying my account has been put on hold for 28 days. I have now recieved another letter after the 28 days period which does not contain a copy of my agreement even though i sent the written request with £1 postal order. The letter simply says: "Following previous correspondence and in order to bring this matter to a satisfactory conclusion our client, Bank of Scotland Loan, has requested that we contact you to advise that settlement figure is now available on your account. If accepted and agreed this could not only save you a considerable amount of money on the balance you owe but also, prevent possible action on your account which could incur additional cost." To take advantage of this contact etc etc etc. Does this mean they do not have a copy of the credit agreement and therefore this is an unenforcable debt, im saying this since they havent sent me a copy. Any advice would be great, should i ring them and find out what the settlement figure is or what else do you suggest, what should my next step be???? Look forward to hearing from anyone who can help Many thanks Zoe

I am currently being stop £60 every two weeks from my wages to pay council tax arrears. My query is, i lived with my ex the whole time at the property but the council tax was always in my name, however when we were out of work and signed on, the council tax benefit was in his name. They are now saying because his name wasnt on letters and have already taken court proceedings against me they will not start again to pursue him to. Leaving me liable for whole debt which isnt really fair considering he lived there to. In response to this they are also saying they have no prove he lived there even tho benefit in his name. So in repsonse to this i said they must put a single person discount on whole amount and they now say they cant do that either, Is it right that he gets off scott free without no responsibilty to debt, and can i fight the council. I have proof he was recieveing the council tax benefit