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helen_h

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About helen_h

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  1. l am in scotland and have a schedule of inhibition, similar to a charging order in England l believe. I have a mortgage of 62k and 120k worth of equity. We are looking to increase the mortgage by arod 35k to total 97k. My debt is 15k. We are looking to move house but with such bad credit rating our current provider will not touch us, even though once the debt is paid we can easily afford the payments. The house is in both my husband and I name, but the debt is only in my name. Will another mortgage company consider an application soley in the name of my husband, he can afford that purely on his salary, or must we always apply together? Is it worth trying other lenders or are more lenient, or a waste of time? It seems such a shame that we can afford to move and pay a slightly higher mortgage and pay back my debt, but no one will trust me. My husband and l are both teachers in full time permanent employment. Can anyone recommend a company who will consider lending to us? any help would be super.
  2. Can anyone please advice. In October 2010 (Scotland) l was given a schedule of inhibition, which was put through my door by an officer as l wasn't at home. There was no DAIP. I have never had one of these, CAB have told me that the inhibition is invalid if this is the case. How can l prove it to be so? CAB have also told me that when l sell my home (which l am planning soon) and my debt is taken from me, they will also take interest and fees. my debt is approx. 15K. What might the fees add up to? Does it take long for the inhibition to be lifted and my property fee to sell? God, it is so stressful, any help would be great.
  3. When l was given my schedule of inhibition l wasn't actually at home and the officer put it through my door. This was in Oct 2010 in Scotland. CAB have told me that the inhibition is not valid if l didn't receive a Debt Advice and Information Pack, which l didn't. How can l proof this? Any help would be so grateful as l am about to put my home on the market and am so stressed about what is going to happen and the legal fees.
  4. I have been told that if l didn't receive a Debt Advice and Information package then the inhibition is invalid. I have downloaded it from online and l swear l have never seen it, how can l prove this or is there no point in going down that route? What do you mean fulfilled? Sorry for my ignorance! I have yet to pay it as l have not yet sold my house. I have also been told that when l pay back my debt, l have to apply for the inhibition to be lifted and pay interest and fees! My debt is approx. £15K. Does anyone know what my likely fees will amount to? God, it is so stressful. Thanks for your help.
  5. Hope you can help, I was served with a schedule of inhibition after l was given a time to pay order with RBS. The debt was in my name, however l am now married. We have a joint mortgage.(which l had before my debt) We are now looking to sell our house and buy a new one but will need to borrow another 20K, which we can afford. In fact my husband could afford it himself, without considering my income. We have lots of equity in our house. So, l am wondering, will his credit rating be ruined because of me? Is there a high chance we wont be allowed more money, even though he could afford it by himself. Could he take out a new mortgage in just his name? In hope, HH
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