I've thought of turning to you guys as I need help. Over the past 18 months my partner and myself have got into just a bit of financial difficultly regarding debt.
We are now back on our feet and our paying all out commitments but two issues this month have raised their heads and are causing a considerable amount of worry for us both.
The first is my partner has a default for a loan of approx £15k because of an unpaid loan with natwest. In december 08 she entered into a debt management scheme and they have been getting paid every month since but in june they apparently came back to the debt management agency to say that what had been getting paid was not enough. We heard nothing about this and then this month we have recieved letters from the Sols and the Land Registry saying that they were going to be placing a charge on the property. I called the sols and asked why as we were paying to be informed of the above. I asked if a formal arrangement could be made too which i was told no arrangement would be accepted and that payment would be needed in full to stop the charging order. Is this right? and is there any way to stop this as i don't want a charge placed on the property?
Secondly, over the 18 months we fell behind with our service charge paymenets on our apartment (arrears standing at about 2500) I called on tues to arrange payment of this to start clearing it to be told it was now with the sols. Called the sols who said that again unless payment in full was made then Peveral the service management company would be see if they could get our mortgage company to pay (which is unlikely as there is arrears here to) or seek repossession of the property. No arrangement would be entertained and they would not even approach Peverel to see if they would agree. I rang peverel again and spoke to a Credit Controller who said an arrangement might be poss but that the agent who is dealing with the file is off for the week. I'm calling them again tomoz. But any advice with regards to this matter also?
Thank you in advance.