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GuruHari

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About GuruHari

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  1. I will inform the solicitor to make sure about the charge. Thanks GH
  2. Thanks. I am re-mortgaging to extend my mortgage term and convert it to a repayment mortgage, as the current mortgage comes to an end in 2019 and it is interest ONLY (5.75% VERY HIGH) as the endowment will not cover the mortgage and I will get a much more competetive interest rate now. So i was planning to borrow extra to cover the charge and pay it. That is why I was wondering if the creditor would accept a lower full and final offer. I thought that I would be forced to have the charge released as the new lender would not allow it. So I will now let the conveyancing solicitor to advise me the best way to go about it. But any advice here would also be much appreciated. Thank you GH
  3. is that good 2 separate restrictions? Is it still counted as a Charge on the property? Can I have it removed without making full payment?
  4. I have just checked can I post the relevant portion here with personal details omitted?
  5. All the court papers say: "Claimant: HFC Bank Ltd." Can I still do something even though I have been to court over 10 years ago and the court has given me a CCJ and a Final Charging order. And I have been making repayments as requested by the Courts?
  6. It was Restons Solicitors who took me to court. I have requested for the latest Statements of Accounts. The CCJ's don't state any interest to be charged.
  7. Yes both Marble credit cards were in my name. And the mortgage is in joint name with my wife.
  8. 1st credit card: Original creditor is HFC credit card Default Bal £10,700 since then 2004 £1900 collection charge, 2005 court costs £950 and further collection charge of £1900 in 2010 the total showing on the account statements to June 2011 is £15,200 less payments made of £4500 so bal £10,700. I have since then paid £1000 so current bal Appr. £9700 2nd credit card: Original creditor is HFC credit card Default Bal £11,500 since then 2004 £1790 collection charge, 2005 court costs £900 and further collection charge of £1790 in 2010 the total showing on the account statements to June 2011 is £16k less payments made of £4600 so bal £11,400. I have since then paid £1000 so current bal Appr. £10,400 taken to court by Restons in 2005 subsequently court making a final charging order in late 2005. We have been paying Restons £30 per month. Have statements up to June 2011, when they tried to increase payments by threatening to no avail. I would like the second charge removed, with help from my family and possibly a re-mortgage. My question is a) Will Restons negotiate to a lesser amount to release the charge & b) the best to go about this. Thank you GH
  9. We had a second charge against our home of aapx. £24k about 10 years ago. we have been paying £30 per month since then. So the current balance will be around £20k. My family want to help me remove this charge. Can someone please give me any advice on how to best approach this. A sample letter to write to the debtor maybe asking for a discount to settle and release the charge. Thank you. GH
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