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Posts posted by HelenDog

  1. Im working with limited paper work, but yes it looks like the debt was sold onto Mortimer & Clarke. Quick Google it seems they purchased a lot of old NRAM loans around the same time. Strange with a CCJ assigned, maybe it was missed. 


    What do you think would be best course of action:


    - Contact NRAM? Chase up and try and get resolved?

    - Contact Mortimer & Clarke? I imagine they are a typical DMA!!!

    - Leave for Conveyancer and see what happens. 


    I will attempt to offer settlement to Reston's as see what's happens. Im doubtful of success.


  2. Morning,


    I have checked through all my old paperwork. I appear to have paid/cleared the Northern Rock Debt in full serval years ago. It was a CCJ, but I have no paperwork, correspondence or knowledge  an inter charging order was ever applied for?.


    The debt, unsecured (yeah, right !) loan £3800 was assigned to NRAM. The CCJ & charging order were raised by Waller Solicitors. This was then passed to Mortimer & Clark. How do I get this charge removed as It seems Waller Solicitors do not exist anymore.


    dx100uk I have never had a Northern Rock Mortgage.

    The Reston's debt was a HSBC CC

  3. Some interesting points thank you.


    Remortgage with same lender - dont pay restrictions


    Remortgage, but raise equity with same lender ?? Would I need to pay restrictions ?? 


    If I swap lender -  I must pay restrictions?

    Little confused by crafty solicitor comment ??  I take it there is a way, but people are reluctant to do it??


    To be clear I have paid thousands £££ back and now find myself in a really good place, but Restons were the only company to play hard like this and quite frankly I would like nothing more than to  not pay them. 


    I cannot find any details as to whom the Northern debt is owned by. i guess NRAM. If I made a full and final offer before remortgage  would this be to my benefit or can they still chase for CCJ amount?



  4. Hi All,


    I have dipped in and out of this forum over the years and have nearly always found the information I require without posting.

    Either clearing or wiped a lot of my debt thanks to the very knowledgeable people who contribute.

    Thank you.


    I am now in a position to remortgage and discovered x2 restrictions on the land registry.

    These are for old CCJs that I have not settled.


    One I pay 6.83 a month and never miss a payment.

    The other one, Northern Rock I knew nothing about and have never paid anything!


    After scanning the forum and checking the wording I understand these restrictions are for these vultures to be notified and not full charging orders due to being a jointly owned home and debt in my sole name.


    1. RESTRICTION: No disposition of the registered estate, other than a disposition by the proprietor of any registered charge registered before the entry of this restriction, is to be registered without a certificate signed by the applicant for registration or their conveyancer that written notice of the disposition was given to (name) being the person with the benefit of an interim charging order on the beneficial interest of (name)made by the Gateshead County Court on....


    I am keen to not pay these, but would like to know what would happen:


    - Can creditors start chasing again once they are notified? if so what can they do?

    - Are they removed once notification has been given? 

    - Can conveyancer or mortgage company insist they paid?


     Thank you in advance for helping me to regain control on my finances.



  5. Hi All,


    Thought everything was finally sorted !


    End of November Cabot wrote to say they had purchased debt from IDEM.


    IDEM could not provide CCA, therefore stopped payments and they stop chasing. Debt has now fallen of my credit file:smile:


    Searched forum not sure if I need to CCA Cabot for same debt ? Surely not ?


    They call 3-5 times a day. I haven't answered. How can I tell them where to go?


    many thanks

  6. Debt defaulted 23/10/10 so guess it will drop off credit file this October,

    although I'm sure these clowns will try a few more tricks yet.



    I have not made a payment since I closed my StepChange plan 6 months ago with the help from this forum

    (I am no longer a cash cow)


    I will keep everyone posted as to if they return and what happens.

  7. Thank you all for the quick reply.


    I was really thrown by this visit as just did not expect it. They haven't returned yet. I was sure I my approach was correct, but needed to check.


    This forum has help me get my finances and life (stress) back into shape. I feel in complete control and thought all this stuff was behind me.


    Thanks agains


    If they persist who can I report them to?

  8. Hi all,


    Really require urgent response in case they come back.


    Quick background:


    CCA requested all debtors sorted all debts apart from one with IDEM.



    They could not provide CCA,

    continued to chase debt £1400 and have sent loads of letters,

    which I have ignored with guidance from this site.



    Last week received a letter from Fidelity stating they have been instructed to collect debt on behalf of IDEM.

    If I didn't response, they may visit home.

    Thought this was their latest scare mongering statics,



    couldn't believe it today when someone actually turned up!

    I understand my rights and theirs (they haven't got any)

    Fortunately at time of home visit I was out and my husband dealt with them (said nothing).


    - My question is

    what shall I say or do if they appear again ?

    Do i have to engage them ?

    say nothing ?

    can they keep returning ?

    can I report them ?

  9. Hi all,


    Following advise from these forums I have now cleared the majority of my debts.

    I am now looking to remortgage sometime this year and would like help/guidance in this area.


    I currently have 1 CCJ outstanding on my credit report for £7000 dated 2012,



    from what I've read I am unsure if I would benefit:

    - From paying off to get marked as satisfied ?

    - Attempting a full & final offer, I understand this would be marked partially satisfied if accepted?

    - Leaving as 5 years old?


    I would have to borrow £7K from a family member to clear. If paid would I still have to wait until I apply ??


    Many thanks

  10. Hi all,


    Well after following all the great advise on this forum CCA letters to creditors etc.



    I am now in the position where I would like to cancelling my DMP with StepChange,

    going alone ( only 2 creditor have relevant paperwork ).



    Ive had a look, but I can't find any template for termination of DMP



    any help would be great as I'm no letter writer.



    Do I just request termination or do I have to give reasons etc.


    Many thanks



  11. Quick overview of where I am at the moment regards debt.


    I have stopped paying my DMP with Stepchange and submitted CCA requests to all debtors,

    not 1 was with the original creditor, bit stuck as to what to do with IDEM


    CCA letters:

    - Capquest have written to explain they are unable to provide paperwork,

    they have now return my account back to HSBC (£9000)

    this debt does not show on my credit file.

    I have stopped making any payments:-)


    - PRA group replied that debt is unenforceable as they are unable to provide CCA paperwork (£1500) this debt does not show on my credit file. :-)

  12. Hi Thanks for the info, just what I wanted to hear/ thought. Should I send a CCA failure follow up letter or not ?


    On another note, DX I really like your approach and from reading some of your others posts feel/believe I have been cash-cowed long enough !

  13. Hi all,

    I have been look around taking in all the information,

    but I could really do with some help/advise.



    I am currently on a DMP with step change (4-5 years).

    CCCS now StepChange have & were life savers,

    but I now feel advice contradict what I have read on theses and other forums


    I send off CCA request letters to some of my creditors.



    Long story short Capquest 1st reply stated they were waiting for HSBC,

    2nd letter stated that HSBC could not provide CCA paperwork therefore the debt was unenforceable, but I was expected to continue to pay.


    12+2+30 days has now pasted.



    I contacted StepChange as I do want my DMP payment to go towards this debt.

    StepChange said this was not possible and that I have to contact HSBC myself the gain clarification..

    .They would not remove this debt from DMP either.


    the CapQuest debt is 9k outstanding already paid 4k,

    all other debt amount to roughly 3k.

    The debt is also so old if does not show on credit report.


    What should I do?

    - End DMP /stop payments to Capquest

    - Go it alone

    - Contact other creditors and pay direct (some are at f&f offer stage)


    Any help pointers would be great


    Many thanks


    Also forgot to ask , can I just ignore CapQuest now or is it good practice to send the failed CCA letter???

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