peebeeh
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Everything posted by peebeeh
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I will definitely stick with the co-op account then - many thanks
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That's really helpful, thanks. I am going to use my Co-op Cashminder account for the time being. It would be good to know the answer re offset between Lloyds/Halifax as the Halifax account has the benefit of a cheque book, and Co-op doesn't.
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Can anyone advise me please - if I fall out with Lloyds (which I am likely to do) and I have an overdraft outstanding - will funds in a Halifax Current account be at risk of Lloyds grabbing?
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Hi dx - Happy New Year - yes, it's that long that I have been banging my head against the Reliance 'brick wall'. Essentially, I did not get anywhere at all and ended up agreeing to pay off the max that I could from my pension tax free cash and agreeing a very low repayment of the remaining approx£1000. They would accept no discount whatsoever. I did try!
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It does all appear above board - my gut feeling is that I should discharge this debt (while I am in the unusual position of being able to). I have various other issues that I need to resolve including some credit cards. Given my current situation I may be better to turn my energy to these?
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Thanks for checking that out. What would be your advice - do I have any negotiating position at all?
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Hi dx I invested £3 in a land registry report and I am posting up extracts from it. I suspect that it is all in order and that they would wish to rely on any charge? (Reliance Property Loans is a trading name of OneSavings Bank plc)
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I have posted up all of the statements which are complete up to end March'13 Also the redemption statement which I requested from them early August
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At last - I am partially mobile and can hobble to my office. dx - I am posting up the original loan agreement in pdf format - hope I succeed with this ok
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I have looked out the relevant documents and will get them posted up as soon as I can - I am currently indisposed, confined to one room, with broken leg and spinal fracture, so unable to access scanner etc. Expecting more freedom soon!
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Hello dx Thanks for looking in on this. What sort of facts are we looking for here? I have all the paperwork/statements for the whole duration of the loan. The payments are up to date - last one was last week. I have been late a small number of times - charged £35 on each occasion. The original loan although Ocean Money was on Marlborough Loans Limited headed paperwork. I hope this is helpful so far.
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There is certainly no PPI here. Loan taken out 2007 (10 year term) - monthly payments are up to date. Are Reliance likely to have taken over the debt at a discount? Are they a DCA?
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Hi, Does anyone know anything about Reliance Property Loans? They apparently have taken over my debt with Ocean Money. Some years ago in a moment of weekness I borrowed from Ocean, secured against a property. The current balance is about £10,000 and the loan interest rate is 10.428% The payments are far too much for me but I am about to receive the tax free cash part of my pension as I have just reached the qualifying age. I would like to discharge this debt as I would have no hope of making the approx £300 monthly instalments now that I have retired. Is Reliance a DCA? Am I likely to be able to negotiate a settlement figure? Any advice would be most welcome please
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Order received from the court, quote "The Claimant's statement of claim is struck out and the claim is hereby dismissed"
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Thank you all for very kind comments - after the hopefully, last step I will be pleased to pass on the benefit of my experiences
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I think that is best and we can react if we need to. Thanks
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Looking back at our previous posts we looked at this issue. On my application form q.3 for yesterday's hearing I requested 'the Defendant repectfully requests that judgement be entered in his favour'
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Hi Andy, Thanks for your latest post. I am keen that the Claimant does not try and resurrect his claim or start a new one - I believe that a Judgement would do this?? Can I do this under CPR 3.5? What would be the procedure? Many thanks, peebeeh
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Hi Slick132, I am delighted to report that my application has been successful and that the Claim is struck out, and costs awarded to me. I have one query (hopefully my last!) - I don't know if CPR3.5 judgement will be entered automatically or do I have to request it? Should I await the order from the Court to arrive?
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Hi Andy, I am delighted to report that my application has been successful and that the Claim is struck out, and costs awarded to me. I have one query (hopefully my last!) - I don't know if CPR 3.5 judgement will be entered automatically or do I have to request it? Should I await the order from the Court to arrive? Many thanks for your patience and loads of help. Peebeeh
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Thank you for your good wishes nonni - but I am sure that the County Court though would not be the place for this kind of rhetoric! Even though it is difficult to disagree with your sentiments.
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Hello Slick132, Ref the hearing tomorrow - do you have any thoughts? Many thanks.
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Good morning, My application to Strike Out is being heard in the morning so I wish to pull my thoughts together: 1. the original claim was for a Credit Agreement 2. there is no Credit Agreement (post no #24 - this thread) 3. the Judge gave permission for the Claimant to amend the claim 4. the Claimant did not do this 5. I presume therefore that I am still answering the Claim as originally pleaded? 6. Also, that my origianl defence stands?
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Advice needed with an HSBC PERSONAL GUARANTEE
peebeeh replied to littlenonni2012's topic in Financial Legal Issues
It is possible to copy your guarantee, black out the personal information, scan and make it a pdf and load it up here on the forum. someone may well be able to give further advice to you go advanced when you want to post and upload your document by selecting attachments -
Advice needed with an HSBC PERSONAL GUARANTEE
peebeeh replied to littlenonni2012's topic in Financial Legal Issues
I think that entering into negotiations may be seen as an admission to liability of the debt, so be careful before starting on this. You need advice from someone better qualified than me. I am not sure if 'without prejudice' would help?
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