Hi everyone, can I just say that I am practaly crying and shaking writing this post.

today I recieved my experian report and under TBI ( sorry it was not TFI ) who took me to court last year without a CCJ. The debt was for £1598.00 it now stands at £4646 thats in a year. I am sending them a SAR today but please can some one advice me on what to do there is no County Cort Judgment on the report for TBI.

Pleae help

Pen

Hello Melba, I have just picked up the rule relating to disabled students and sick students they are as follows

SPECIAL ARRAIGNMENTS AND DEFERMENT ARRANGEMENTS

1)IF BECAUSE OF YOUR DISABILITY YOU ARE UNFIT TO WORK FULL TIME AND NOT LIKELY TO BE FIT FOR ANOTHER 3 YEARS THE REPAYMENT PERIOD WILL BE 120 MONTHS

2) YOUR GROSS MONTHLY INCOME FOR THE NEXT MONTHS WILL NOT BE MORE THEN THE DEFERMENT LEVEL THE DEFERMENT PERIOD WILL BE 35 MONTH

3) KNOW THIS IS THE ONE YOU NEED TO CONCENTRATE ON, IT STATES if, BECAUSE OF YOUR DISABILITY YOU ARE PERMANENTLY UNFIT FOR WORK, THE LOAN WILL BE CANCELED. you ARE REQUIRED TO SUBMIT A SATISFACTORY MEDICAL EVIDENCE THAT YOU ARE PERMANENTLY UNFIT FOR WORK, IN ADDITION CONFORMATION FROM THE DSS IS REQUIRED REGARDING THE AMOUNT OD DISABILITY RECEIVED AND THE PERIOD OVER WHICH THE BENEFIT WILL BE PAID.

And thats it, Before doing anything go and talk to the GP tell him what it's for and why you need it, some Gps are not that bad and will help if its to elevate debt, mine did and if he won;t write the letter then you are still in the same position of not contacting SLC, but please be aware they will catch up with you in the end.

The funny thing about all this was I wanted funding and could not get this until I had the letter from My GP. Once they received this they canceled my old loan and issues me with a new one. They know they will never get paid due to the letter I produced from my GP stating I will never work again so why give me a new loan, I would think it is because they cannot discriminate me from studying on the grounds of ill health so had no alternative but to reissue me with one, can you INMAGIN how pleasing that was to receive

Good LUCK

Pen

I agree with you DJweeble it does make sense to progress the chargers further, I am sending the S.A.R - (Subject Access Request) to start the ball rolling, what do you mean with regards not authorizing Link to process my data. I have heard that companies are using charging Orders more and more as they have nothing to lose and everything to gain, you will sell your house at some point and can you imagine the size of the debt in say 20 years. It's just not fair.

Please keep us all posted with your progress on this issue and I will do the same. there is also a thread from George, I sure he will also keep us informed on how he is getting on. I think if we each pool all our resources we will win, I would like to know the damagers we could claim when we do, dissonatedreams, I will check out the web site you mentioned, thanks for that

Pen

Hi Georgh, what they done was put a interim Charging order on first then applied for the full charging order on CCJ at the same time, I lost the CCJ, Full charging order was applied, No discussion re payments nothing ,charging order went on thats that the end, Honestly I called the Land registry office local to us and your right anyone can place a interim charging order on our homes. One way to find out is call your local Land register on Monday. If the court have done this wrong on a point of law, please let me know and I will go back to the courts.

Pen

Thanks joncris, i will look into it

Pen

Hi I have posted a PM to jonchris, Jon maybe you can PM the sig to me if you don't mind that is

Thanks

Pen

this is all well and good but no idea what your talking about all I wait is to see the sig refered to in the original post. may be I will PM the person in question, will this work

Pen

bump-t-bump

bumb

Hi Jimbo44, I have checked each day for a PM now I know why I will try to resent it

Thanks

Pen

DJweeble, thanks, I am really really shocked by this thread. I have worried over this charging order for over 12 months thinking of the daily chargers. What I think I need to do now is the send both TFI and HSC a SAR with ten pounds and take it from there. If there is a point of law I could you then maybe you're right and I can get this set aside. I will need to hunt out the address and account number for HSC but this information should be on the SAR i will get from TFI. Will TFI send all the information they have on me ,ie how much they paid for the debt, the balance of the debt at the time of purchase, I will not need bank statements of them as it is not a bank so would I delete this from the SAR template.

George, please forgive me for asking all this in what is your post I did think I was trying to help by explaining my experience, I have a similer thread in this forum. I think they are only 2 of use with this problem at the moment but if your would rather I kept my comments to my own thread then please tell me. I just think we could help each other here and make it easier for others to advice, but its your call. Djweeble, I do not know how to do a link to direct you to my thread but you would find it in search under charging Orders.

If the course of action I now intend taking is wrong would one of you kind folks put me on the straight path.

Good luck Gorger in trying to sort this out, This forum was not around when I needed it.

Hi Everyone, I am sorry to say that you are wrong in this instance or TFI who placed the charging order on my home acted illegal. They did not go to court to place a charging order on my home as they placed a intermin charging order on it directly with the land registry. Once they had done that they applied for a CCJ at court I defended the case and lost The Full charging order was to be heard right ofter my case, having won a CCJ the judge agreed to the Full Charging Order with interest added daily. I was not give a chance to pay the dept off by weekly installments if i could I would have. As the debt is mounting up each day. Also I argued in court that I did not owe this debt I even at the time think the dept may well have been 6 yrs old. The dept was for £1,220 and I showed the judge all my bank statements paying this amount. but once HSC sold it to TFI they added their own chargers so the Debt ended up being £2,000 plus or very close to it. So If you need to apply to a court for a interim charging order I think you are wrong, I even phoned the land register and they informed me that it can be done without them applying to court. Please tell me if I am wrong and if so how would I sort this out. I asked the judge if I could appeal against this discussion and I was inform No only on grounds of a legal error.

Pen

bumb

I have had my account with Lloyds for 27yrs when it was originaly just TSB. I had 2 old mortagets with them etc. My question is because the bank has changed names will they still have all my information for the past 27yrs. I know we paid thousand in chargers because in 1984 our mortgaed was defaulted,theychanged it from a endownment to repayment without our agreement. When I recently sent them my SAR i requested information covering my banking history would they have not sent all this to me if they had it. Should I send another SAR and another £10 this would seem unfair to have to pay twice don't you think. How would you advice I follow this up

Pen

bumb

I would still like to know about OP and getting a better credit score, sorry for being rude i just don't have a credit card.

Pen

asna97, hope you don;t mind me asking but is it a business account, not that this matter as unlawfully chargers are unlawfully no maker what the account is, No the reason I am asking is that I have read many posts with such large amounts to be claimer back. It just That I am paying a awful lot of chargers nothing compared to yours so I am missing something. I did have a problem with the 8% interest only claiming this at the court stage. but if it doesn't get that far do I lose out on all the interest chargers maybe this is whats happening to my, I am not adding any. I hope the banks don't settle out of court so I don't lose my interest or am I interpreting the process wrongly

Pen

Jimbo44, thanks for that, I have sent you a PM. I;m not very good with computors at all don't know how to use links as yet but I;m learning

Pen

Hi Breadline and Number 6, sorry it's took a long time to reply.I just didn't think anyone replied to my post. I have posted so many in different threads seeking help and advice on one thing or another. A illness brings about so many problems.

The answer to the questions are. Breadline, I have now sold the car to pay other bills once the charging order was placed on our house.

Number6, I worked for the Local Authority in a professional capacity for 8 years. would you believe a very caring and supportive organisation I don't think. so my pension was only very small and in fact i decided to take the monthly pension rather then the lump sum which has buggered me up for benefits. Last year I read an article in a magazine it stated that you could no longer lose your job due to illness so in view of that I applied to the employment tribunal for unfair dismissal but because my claim was out of the time frame I could not do it.

I have put our home on the market to try and release some capital to buy a smaller house thereby getting rid of our mortgage which would be a great help but I don't really want my family to lose there home because of my illness,

Bread line I do agree with you, no-one wants to know when you are very ill it's the worst thing that could ever happen as there is no light at the end of the tunnel. but being on this site does help as everyone is in the same boat and its not embarrasment to say you have financial problems on here as it would be elsewhere

Sorry to rabbit on

Pen

Hi, I followed advice on here and sent Lloyd's TSB a s10 with my SAR request but I am still getting letters from BLS the letters are getting more and more threatening. should they still be communicating with me in this way. as I thought the s10 stopped this. I have received conformation of the s10 from Lloyd's. could someone please advice me

Thanks

Pen

Wow I can at last help someone. Melba, if you have been ill for a few years and are still ill you can get out of this loan agreement. I know this for a fact as I have done it. All you need to do is write to the student loans company again but this time you need to include a letter from your GP stating that you will not be able to work again. The GP needs to state these words inexactly for them to cancel out the loan, It will depend on your GP though as not all will state this about a illness as no one knows what will happen in the future. I was lucky mine wrote it for me, There is some sort of clause for this within the student loan guidelines so either call them ask to speak to their legal dept and inform them what you are doing they should give you time to get the letter together and advice you on what to do.

I could write and explain exactly how I done it but it is long winded. But please believe me it can be done and they will cancel the default notice also.

If you want I can PM you with a fuller explanation, I could even dig out my letters from them and email them to you although it will take me a while digging them out. Please PM me if you want . But call them and you do need to speak to the legal department as the people who just answer the phone do not know all the rules.

Good Luck and let me know how you get on

Pen

"The psychobitch tennant actually got rehoused because she got social services to free her from her self imposed squalour.

Oh well. Do I sound bitter?"

"Actually, no I'm not. All I want is for her and her brood of fatherless spawn to suffer for eternit"

I am afraid if you think that your above comments are in any way funny, an attempt at humor then I do wonder about the authenticity of your post as I am left wondering who is in fact the psycho.

I can guarantee that by the way you have described these children's living conditions this women would not have wanted the social services involved Social Services involvement must have been due to a kindly neighbour, School, Health Visitor in fact anyone who has concerns regarding a child's wellbeing.

I am at a loss as to how you became a chairmen of a charity involving children or you motives for such work as your philosophy on life seems to be one of I'm or right Jack, how sad is that.

Money seems to be the driving force for some people, you have 2 homes. the way you have described these children's home then I bet before long they won't have one they will probably end up in foster homes. Your financial problems will be sorted out eventually so well done you you can give yourself a pat on the back for being so clever but don't you think theres a bit more to life just be glad you don't have hers

I am happy to say i will not be reading any more of your posts and thank goodness the rest of the members of this site are a very caring bunch of people. The thought of your greed compared to these children's welfare is making me sick. My advice to you would be to sort it out with the council, its them you should be wishing to hell and back along with the mother not those poor kids

Pen

Hi, is there anyone in the know with issues relating to employment law. don't really want to write down all my details unless there is someone who maybe able to advice me

thanks

Pen

Sorry to jump on this thread but it really is intresting reading. Just as a matter of intrest, how much would it cost to put a house in trust for chidren, do you need a Solicitor to set it up.

Pen

Hi sorry to hear your problems but your comments towards her children lost the sympathy vote with me in fact i stoped reading your post half way. For Social Services to be involved the situation for her kids must be really bad, Social Services don't involved themself for badly behaved kids the police do that, social workers are so overworked that they only take on immediate crises intervention work ,in other words child protection concerns. OK the mother is probably a bitch. Just think if that is the state she left your house in what conditions where the children living in. Instead of looking for ways of getting your rent maybe you should have been making a referral to the social services yourself, as you say it is your property so in 3 years you must have visited the house at some point maybe the kids wouldn't have suffered so much if you had intervened sooner. Just thank yourself lucky one of them wasn't found died whats money compered to the life those kids are living I wouldn't want their life would you.

Pen