no payment has been made for 6 clear years now this one i am fairly confident about as we have been together since autumn 2004!

i dont know about the maintenance...he says he has to pay until the boy is 19??????? i too thought it was 16 unless the child is in higher education which would make it 18... one question that has baffled me since i started on here... a debt is statute barred after 6 yearsbut regarding a mortgage l has a 12 year limitation but then people say it is cut to six????????? why????????? oops double post!!! im stressed or.....

i dont know about the maintenance...he says he has to pay until the boy is 19??????? one question that has baffled me since i started on here... a debt is statute barred after 6 yearsbut regarding a mortgage l has a 12 year limitation but then people say it is cut to six????????? why?????????/

their weak, but scary armour!!!! i am just a mere mortal you know, respectful toward the authorities, like the good girl i was brought up to be....

If that letter is the LAST written acknowledgement of the debt and no payment or offer has been made since then the debt is statute barred so a letter to them stating that...would finish things??????? They might have a problem making a link to a new employer I think. the power of Google??? my OH has quite an unusual surname... or is there some legislation to prevent them going down that route??? (please, please pretty please)

what does worry me, having read the letter/emails is that the agency might go digging around to find his current employer... that really scares me, what do you think??????

solicitors aren't really an option in our current financial position and to be honest i cant see how he could have paid £1k in full and final at that time (2004) as he had just started to rebuild his life after the disastrous toxic marriage, redundancy and nervous breakdown was retraining in a new career as an, extremely lowly paid, apprentice and living in the cheapest, most disgusting studio flat in the whole of the Midlands!!! yuk! It was before he came home to me too (i was curious to find out exactly when he did write to them) If your OH's letter making the F&F offer was headed 'without prejudice' 'fraid not ! that is something you would only know if you had advice isn't it???? but as people have said this letter, (curiously unsigned although the spacing suggests a signature????) was sent in June 2004 which is 7 years ago???

????????? aaagghhh! not a problem with your powers of explanation, silly girl, merely my problem with a completely kefuddled brain!!!! ooops double post...see how i am!

????????? aaagghhh! not your fault in explaining merely my problem with a kefuddled brain!!!!

thanks silly girl, i certainly will see what the general opinion on here is i'm feeling quite sick about all of this again. the charges are more likely THEIR writeoffs rather than payments from him huh??????????

hi guys............I'm back!!!!!! Shoosmiths have got back to us and I'm going to need all the help and advice you good people can give to me! the covering letter advises that the Halifax (their client) intend to resolve the matter amicably with my OH's co-operation and require an ongoing commitment from him to reduce the balance outstanding ( £26 1/2 K ). they suggest a one off lump sum agreed by both parties....this would obviously be £26.50p in our case and £26,500.00 in theirs! hahahah) or monthly repayments taking into account our financial circs. Yeah right! added to the child maintenance he still pays for the 18 year old son he never sees. They attached copies of their proofs .... which do seem to be genuine, I'm afraid to say they are... 1) a facsimile of a letter dated 29 June 2004 (stamped received sometime ?0 July 2004) the fax is dated 27 October 2004 in this letter my OH offers £1000 as full & final settlement but states he is happy to go to court as he considers he was mis-sold the mortgage and asks how the Halifax accrued a loss of £26 1/2 k on a flat worth £41k. 2)a series of emails dated 27 Feb 2002,(from my OH) 11 Feb 2002 [/b](from the debt collection agency, CIS online ??????????) and 26 Nov 2001....(from my OH) in the last one (27 Feb 2002) my OH states.... he will not fill in forms from Halifax or CIS online. States if his employers are contacted he will leave his employment..(in response to the threat of an attachment of earnings order) he wants them to stop threatening him with court proceedings..and that in fact he would welcome that as he considers the mortgage was mis-sold he disagrees with the amount owing........... that he has already offered £1k.......... in the one dated 26 Nov 2001 my OH asks how the debt accrued £5 1/2K since the last statement, from another debt collection agency Direct Legal collections, showed an outstanding balance of £21k.......... Again states he considers the mortgage was mis-sold to him by a Halifax agent who should have realised he could not afford it He considers they were irresponsible selling him a 100% mortgage and used questionable sales techniques. That some of the debt agencies correspondence borders on threatening...... Again he states that if his employers are contacted, he will leave..... That their pursuit of this debt has contributed to the breakdown of his marriage and his dependence on anti depressants and their threats of court action doesnt scare him. that he is prepared to offer £1k in full and final. i recognise that a lot of what he wrote,and as typical of how he deals with stuff like this, is bluff and bravado the next document is a list of debtor payments. the first one 31 Dec 1996 entitled conversion98 (??????) for £350 the last 30 June 2000 entitled DL&C (?????) for £200 there are a lot of columns and different headings (???) so guys there we have it. It seems my OH hasn't been as truthful regarding this debt as i had hoped and Im scared we are right back to the beginning and in an awful lot of the brown stuff! I was going to paint the hall today .........but find my enthusiasm has dwindled. Hopefully some of you good guys are still following this thread and will come to my aid, please, pretty please????? i'm thinking of changing my moniker to Panicked of Dorset, Desperate of Dorset, Terrified of Dorset????? Over to you, Guys.............

gulp! ermm, thanks!!!

but what exactly is this code of practice and why if mortgages are extended to 12 years to become SB'ed does this apply ? please?

but its not over 12 years IF as they claim my OH paid £200 toward it in 2000. This could be quite likely as, as i said, he was experiencing the breakup of his toxic marriage, redundancy and a nervous breakdown at that point.

fingers crossed and a big thank you to you all for still listening!!!!

Update Update Update...is anyone still out there??? Sorry to be so long in getting back to you kind folks but i have been waiting since posting the letter on the 9th August for SS's reply. Anyway i have just received it, dated 23rd August.( Do you think the lovely lady dealing with this has been on holiday??? lucky her, we haven't had a holiday for years!) It was a very thin letter and basically stated that they have referred my 'queries' (i think they mean request for evidence of their allegations) to their 'Client' the Halifax and will be back shortly with the requested information. So what do you think? the letter seems to suggest that it is the Halifax themselves that are chasing my OH, didn't someone say on here that that is considered extremely bad practice after 6 years by some code or ombudsman? CML????? Any ideas what, if anything I should do next??? Over to you, (Please don't take this wrongly, but in the very best way, its been nice not being on here every day!!!)

thank you

Dear RDM2006, Please be aware that Halifax would also be infringing the CML code of conduct and as such, as you claim to be representing them, you should inform them of this. This was included in the last letter sent under Uncle Bulgarias advice, so does that cover what you said in your last post? under Civil Procedure rules Please explain???? and i think what you mean to say is that their argument would be MOOT ie: Law Without legal significance, through having been previously decided or settled

hello all, glad to see you've been having fun whilst i was away. Loooove the pic!! is it my imagination or does Pike look older there then he does now??? Anyway letter posted , as ever first class recorded. So i expect the next developments will be next week, or at end of this. I will let you know what happens, if thats ok, and ask your advice. Now how to plant the seed that the newly released Raebok/Burbery Combination tracksuit/hoodie/cap are being stored, pre launch, at a certain office block in Northampton.... Twitter anyone??????

The riots in London and other places government buildings are sure to be targeted I think. but as Uncle Bulgaria correctly pointed out , there are no chav designer goods available there, and i doubt the people responsible are capable of stringing the thought process together to make the connection... think Homer Simpson wanting some peanuts but finding 5 dollars instead!!! My OH was watching the action and said there a few older organising the younger..?

got it...sorry!!! About the riots, my OH is working away from home at present, (and no i cant get council tax discount despite him being here 1/7!) and guess where he was last night??? yup, looking down on the flames in the capital! scary!

???? maybe i should change my name to confusedofdorset??? sorry guys, my funny bone has recently undergone a shoosmithectomy!

thank you, although.. i have no debt and my husband thought it was all over (is it ever?) as he handed back the keys?! but paranoid i am certainly becoming...

mmmnnn, well i'm off to post that letter. all we want is to be left alone to get on with our lives. i suppose a freak napalming accident over Northampton would be out of the question???????