Several years ago I ranup a debt on a Virgin Credit Card due to a failed business. I agreed to pay the debt off at £60 per month (the debt was £15k) They refused and took me to court and they were awarded a charging order against my home. I also agreed to pay £60 a month off, which the court agreed. Fast forward several years and My question is: Does the charging order transfer with the debt to the new debtor? Dave Summers

Anglia councils plan own bailiff service Seven councils are planning to launch a revenues enforcement service, allowing them to bypass commercial bailiff firms. Breckland, East Cambs, Fenland, Forest Heath, St Edmundsbury, Suffolk Coastal and Waveney Councils. The Cabinet report (Anglia Revenues Partnership (ARP) - Internal Enforcement Agency Proposals) at paragraph 4.6 shows there's a financial benefit of doing away with their contractors.

Hi guys, I wonder if anyone can help.... I moved out of my property some 4 years ago but rented it out and I'm now selling it. As part of the buyers checks, and my solicitors checks, I apparently have a bankruptcy petition against me and my solicitors want to know if this has been discharged. "We have noted on the Office Copies of the above property that there is a Bankcruptcy Notice dated 23 May 2012. Please can you provide us with more information of this notice and confirm details of who the trustee in bankruptcy is. Please can you also confirm if you have now been discharged from this notice?" I know nothing about this at all. I'm not bankrupt on the Insolvency Register and I've not been personally served anything, I wasn't living at that address (although I do own it). I don't know what this means! Am I bankrupt?? How do I get rid of this petition so I can sell the property? Help!

House of Lords votes against Grayling’s plans to restrict judicial review access The justice secretary, Chris Grayling, has suffered a defeat in a key House of Lords vote on his plans to curtail access to judicial review, which would have made it harder to challenge government decisions in court. More Here: http://www.theguardian.com/politics/2014/oct/27/house-of-lords-defeat-chris-grayling-judicial-review-plan?CMP=twt_gu

I have a problem and went out of the country for a while, on my return I have my company with a proposal of strike off flag, so as i wanted to keep operating with the company I called Companies house and asked what do I need to do. They reply this and I am scared, what are my options please? I still have time to fix this? --------------------------------------------------------------------- I can confirm that the following documents are outstanding: Accounts for year ended 31/07/2013. Annual Return (Form AR01) for period ending 15/07/2014. As the company is required to remain on the register, the proposed strike off action has been discontinued. Failure to file accounts and annual returns within the statutory times allowed is a criminal offence and due to the seriousness of the defaults, we are commencing prosecution action against the directors immediately. Conviction for these offences will result in a criminal record and a fine of up to £5,000 for each document not delivered on time. As these accounts are already late, a civil late filing penalty will automatically be incurred when they are received and accepted at Companies House. The amount of the penalty increases with the length of delay in delivery and is separate to any criminal proceeding being considered against the directors. Failure to comply with the filing requirements of the 2006 Companies Act in consecutive years will result in the penalty being doubled for the current year’s accounts. You may be able to deliver your annual return and certain types of accounts online via our Web Filing service, which has in-built checks to ensure that you get it right first time. Our web-site www.companieshouse.gov.uk gives information on this along with a full range of guidance booklets and forms. ------------------------------------------------------------------------- Thanks a lot.

My friend who is a vunerable adult with certain mental health issues, recently awoke to the sound of people breaking in to his house. He text me and I rang him and he told me they had smashed in the porch doors and front door and were inside and he could hear them rooting around and having a laugh. He wouldn't go down and confront them, which I wish he had done as he could prove for sure they were in parts of the house that the gas meter isn't in. I phoned the police who turned up just after they had gone and my friend wouldn't answer the door. The police said the door was not broken and still locked. My friend told me that they had moved things from his porch into his hall and left a letter from Richburns in the middle of the hall floor. He agreed all the doors were locked when he finally went downstairs. He will not face up to the matter. He claims he had a bill of £1200 ish which was for only a year of gas - he only has a gas boiler as everything else is electric and they were only estimated readings and he was only 3 months behind - I have my doubts but I have not seen any of the bills. The real problem I have is, whilst I am aware that utility companies can and do enter into houses to change meters, they only had to go into the porch and change the meter in the cupboard out there. They had no earthly reason to enter the house. He has even found a key which looks like a lock picking skeleton key, again in his hallway. Unfortunately my friend is behind on many bills and I cannot help financially and have not the time to devote to sorting all his issues out - plus he is very abusive to me and makes a million and one excuses as to why he can't deal with it. He may be ill but I am not his whipping post! I am just about to email Keith Anderson of Scottish Power because I feel he needs to explain if they needed to break into his house when the meter was outside. Also, my friend said he signed up to gas with Sainsbury's years ago but this was sold over to Scottish Power but he never signed a contract with SP. Regardless of the rights or wrongs, it is a terrible thing for anyone to be awoken to the sound of people breaking in. I don't know if he got a Letter of Intent, as he just piles post up unread. He is also a clinical hoarder and so I feel these people should not have been rooting through stuff. Any advice as to how to deal with this would be great. Thanks.

We received our renewal notice for our house and contents insurance and of course it has gone up in price. Looking through the schedule we noticed that the house is insured for £400k. As the value of the house is about half that we thought we could save money by reducing it to a more reasonable level of say £250k. We phoned the the insurance company R.S.A. who run the scheme for the West Brom. only to be told that £400k was the min. sum insured that they would cover. It seems to us that this is a bit of a [problem] to obtain more premium/commission. Does anybody have any thoughts or observations on this matter ?

A family member had a robbery where items of jewellery were stolen amongst other things. The person is as straight as they come and that was reflected honestly on her claim - she hates insurance or benefits cheats with a passion so will not put anything which is not true on a claim form, but the loss adjuster is making her feel like a liar and a cheat as they are refusing to pay out on her claim anywhere near what the value of these items were worth and will not pay out on anything which either doesn't have a receipt or an original box. Many items were handed down through the family in France as she is French. Many do not have receipts or the boxes they came in originally, but the insurance company, despite being provided with documents saying they were handed down or given as gifts and provided with pictures of some of the boxes which remained (some got stolen with the items) refuse to make any kind of payment against those. Now I can understand they need to ensure bogus claims are not made, but as she is so straight she feels she is paying for the rogues deceiving the system. I do not know which insurer it is yet, but she has spoken to the Ombudsman but we all know what a chocolate fireguard is don't we? Can anyone tell me what the procedures are for situations like this where it is common practice that people keep things in one or two central jewellery boxes and disguard shop boxes, some people don't keep receipts of everything they buy, and many items of value both sentimental and valuable never have any kind of records when they are handed down through family or given as gifts. What is the normal mode of dealing with this and insurance companies and what should she do to tackle this? She has been offered a few hundred pounds for a claim in excess of 5k. She's panicking.... Thanks A1

Hi Can anyone give me any pointers on how I can challenge NRAM on the sale price of a repoceesed house. I haven't yet seen sight of the completion statement but looking at the shortfall I have and knowing my outstanding mortgage balance it would appear NRAM sold my former home for £25,000. I would expect some costs incurred by NRAM would push the sale price up but they are unlikely to be in the tens of thousands are they? Any help greatly appreciated Would the first step be to request a SAR?

My good friend has been chased by numerous DCA's over the last 5 years for 2 credit card debts. One for £1,000 and the other for nearly £4,000. Due to the inefficiencies and disorganised nature of the DCA's we've managed to keep them all at bay and they've now all been quiet for the last 3 months. My friend is now wanting to move house but we're worried the DCA's could issue county court proceedings to her current address and she won't know about it until it's too late. Should we notify DCA's she's moving or just keep quiet? We're very conscious the debts will become SB in approximately 6 months so don't want to miss any correspondence this late in the game,

i am due to be exchanging contracts this friday and moving to ireland. My house in the UK had an agreed sale 6 weeks ago. I have agreed to purchase a house in ireland and had instructed a solicitor in the UK to handle the sale of my house for which the proceeds were being used to purchase the house in Ireland. i have also had to instruct a solicitor in ireland to handle the house purchase in ireland. The estate agent in the UK has received notification this morning that the buyer has pulled out of the agreement to buy my UK property. The estate agent has told me that i am going to be liable as well for my own solicitors fees as well as the ireland solicitors fees for land searches etc as they have carried out the work . On a side note as to my divorce settlement, i am being hit with £400 a month Spousal maintenance until my house is sold I have been left to foot the bill of two lots of £750.00 solicitors costs. total £1500, removers cost as well as they were booked for friday etc Can i claim against the person who puled out of the sale at the last minute to claim these costs. Contracts were being exchanged this friday so has a verbal contract been formed thanks

I was wondering if anyone has been asked/required to take out indemnity insurance on a house sale. Apparently, the house has an old convenant, (not pointed out by our solicitors 10 years ago, but too late to do anything about now), that restricts changing the appearance of the property. Our solicitor says that having upvc windows installed constitutes a change of appearance and that I can either apply for retrospective approval from the housing association or take out indemnity insurance. The catch is if I apply to the housing association, it can take X amount of time and may (only may) cost money - but that if I do so I would no longer be eligible for indemnity insurance. Most of the street has had replacement windows. I have tried to find out from the housing association what the process is, but other than saying that asking in advance incurs no cost, (too late for that) they do not reply. Logic would suggest that retrospective permission would also be straightforward and free, but council/housing associations are often not logical. In ten years the covenant has not been enforced, but that does not assuage the fears of the buyer's solicitors. If only our solicitor had been so conscientious. I've only ever taken out insurance for a set period - for my house or car - so how does indemnity insurance work for houses when you just don't know if or when it will ever be claimed against? What kind of premium are people paying?

Hi guys,heres my story,hope you can give me some good advice. Approx 20 odd years ago I was self employed with an expanding familly and took out a loan secured against my house with a firm called J & J Securities to build an extension to my property. A few months later because of the recession my business collapsed leaving me with little income. My main mortgage provider was very helpfull but J & J took me to court suing for repossession. The courts found in their favour and my house was repossessed. I was later contacted by a firm called Knowle Portfolio who claimed there was still a debt outstanding and demanded repayment. I was advised by Citizens advice at that time to make token repayments to them which they agreed to. I have stuck to these repayments despite the severe hardship it caused me initially. I have now been contacted by a firm called Asset Recovery uk demanding an increase of repayments or they would take me to court to get a charge against my present property and also they would reinstate interest charges from the date of the debts start. They also want to a financial summary of my present situation and say that if I do not provide them with the necessary information they would have to send someone to my present home to discuss my financial situation. Sorry my story is so long but Ireally would appreciate any advice

Hello, My house was repossessed. It was a 'buy to let' mortgage with HBOS. Is it possible to get the house back? It has only recently been repossessed.

I have been getting lots of calls ( recorded message ) to my cell phone , lots of emails & a text message to my phone informing me of a substantial discount offer from MMF over the course of about 4 months now , none to which I have replied as far as I am concerned I have no debt , checked my credit report & there is nothing on there either , but today they called my parents home phone ( how they got that I don't know ) again a recorded message along the lines of press 1 for a home visit etc , etc , now my parents are in there late 70's & in a fragile way & anyone calling on them will get them in a right state , my question I have is are MMF in there right to call at my parents home even though I don't live there ? I live & work away outside the UK . They are starting to freak me out how they got my parents number , it's an ex directory by the way & now I am panicking in case they call at the address

I am a student from the University of Kent. Recently I signed a contract with a student lettings company (however the landlord has not signed the client copy of the contract must I mention. But this probably doesn't make a difference anyway since there are two signed agreements from all parties with the landlord himself and with the agency.) The rent is from September 2014 to July 2015. There is no break clause from the contract either. Unfortunately I did not pass one of my exams and I also have a startup company that was just accepted into an accelerator program in the San Francisco in August, so I will be travelling there for a month in August. This is when my resits take place and therefore I won't be able to resit that particular exam, therefore unable to continue with my second year and thus won't be able to pay for my rent in the second year that I am liable for. I haven't managed to find a replacement tenant either. I am now in a position where I cannot pay the fees for the house as I am not going to University for a year and I do need some urgent advice on this. There is no way I can afford that rent without going to University, my University won't let me continue unless I resit and the next resit dates are August 2015 - forcing me to take a gap year. If you guys can help me out here that'll be great! Cheers!

I am really needing some help. I have a house valued at £110,000 and a mortgage of £105,000 which I may need to sell. The only problem is I have a secured loan of £34,000 on my home through Picture (or whoever they are now) which has arreas of £650 and they will only get bigger as I am no longer able to afford the loan. What I am wanting to know is am I allowed to sell my home even though the secured loan won't get paid off. I am intending to rent if I can sell my home. Any advice would be much appreciated. I don't want to sell if I don't have to but will Picture?? take my home even if they won't get any proceeds from the sale.

Hi I hope someone can help me. My home I had was repossessed last December and subsequently sold on Feb 3rd this year. After the mortgage company taking off their money and solicitors and everyone else I was left with £15000 to come back to me. Drydens who dealt with it all said they had tried to contact me regarding this money so hadn't been able to so the money was sent to the court funds office in Glasgow. I've now been in touch with both drydens and the cfo, I've been sent a copy of the lodgement receipt with my case number and amount being held. The county court dealing with this was in Halifax and was too far away from where I live now so I filed in form n244 and made a request to the judge that my case be transferred to my local county court. This was granted.........and that's as far as I've got! No one I've spoken to at my local county court of the cfo can tell me what i need to do next! I was told to fill in a form cfo 200 but I've now been told that was wrong but no one can tell me what I'm supposed to do. Anyone have any ideas. Thanks in advance as usual

morning all i think im going to claim against kensington on behalf of my two sis in laws one of whom lost her home and is now in rented although she didnt keep up with payments (split up with partner) and they repossessed her home she hasnt even got any paperwork from the repossession etc but i KNOW there will be loads of charges there also other sis in law who is being hammered by £50 charges often what i find is strange is the fact that in the last week i have rang one has said she is in line with the court order imposed at £9 per month above the contractual £199.99 per month and the other said she is in arrears to the tune of £400+ she was on a payment plan although in default according to phone call 2 she was in default according to number 1 however when i asked in line with the court order they said in default by 40p so we promptly paid £1 on her credit file last time she defaulted was may they just tried to add councellor fees on but i cancelled this she has recently been treated for mental health issues and has been told to get letter from gp which we have requested and will forward a copy to them in the first instance i am going to sar on behalf of the two SIL's wish me luck i will update as we go along here

Hi, I have sold my house due to being unable to pay mortgage wife leaving me etc, but I have about £9,000 in arrears it is only a couple of weeks away from completion but the lender wont wait and has issued repossession hearing in about 6 weeks time. I could exchange contracts any day now advice on stopping the hearing please and what happens if the lender is paid off before hearing? Thanks in advance for any help or advice

Hello, In 2008, HBOS repossessed a house. This happened because: 1. HBOS did not follow my instructions to make direct debit adjustments to my personal bank account and neither did they update my address (to a property not mortgaged by themselves). 2. Mortgage monthly payments were not made in respect of two houses. 3. Because of the failing in #1 above, I did not receive any communication that there was a problem. I only found out about the problem after a tenant called me saying that she had received a 'Notice of Eviction' from the court. I contacted the bank by way of letter complaining that due to their inability to make changes to the bank account which I requested in #1 above, I now had mortgage arrears. The banks response to my letter was to immediately close down my personal account without giving me any notice as to their intentions. This left me without a personal bank account. Their other response to my complaint relating to the causation of the mortgage arrears was to totally ignore my complaint and not provide me with any answers. As soon as I discovered from the tenant that she had a Notice Of Eviction, I phoned HBOS to ascertain why this had happened. As soon as I understood that HBOS had failed to act upon my instructions for my bank account (direct debits, update address), I then asked HBOS whether the eviction and repossession would be stopped if i cleared the arrears. HBOS reply to this was YES. I also asked whether I could simply make one lump payment to HBOS and they would split it between the both account. HBOS reply to this was YES. The total amount of arrears between the 2 houses amounted to approx £4,000.00 I paid £5,000.00 in order to clear the arrears and: a) Pay off extra capital on the loans, or alternatively: b) To make an overpayment just incase my direct debit for the following month was not actioned within time. Essentially, between the 2 HBOS mortgage accounts, whilst there had been arrears (through no fault of my own) I had cleared the arrears and put the account into credit. After paying this amount to HBOS and upon checking everything was in order, I was informed that HBOS could not split the payment = contrary to what I was told by HBOS earlier. HBOS told me that unless I was in a position to clear the total arrears on the second property that repossession would go ahead. I again explained to HBOS the fact that I had an arrangement with them and that I was told the payment would be split to which HBOS replied that it is impossible to split payments and that repossession would go ahead unless I was in a position to clear the total arrears before said repossession date. Having already paid out £5,000.00, I was not in a financial position to immediately find the £2,000.00 they were demanding from me, as they were in my opinion refusing to budge or help me in any way (to adhere to the information I was first told that payments would be split) then I decided to go to court and let a Judge decide. AT COURT: I arrive early with my paperwork in order. My paperwork included much of what I described as above as a letter to the Judge and the banks solicitor. In addition to what I described as above, my paperwork included a receipt for the £5,000.00 payment in addition to mortgage statements which clearly showed that between the 2 mortgage accounts I was now essentially in credit - therefore, no arrears. Unfortunately, the banks solicitor was over 2 hours late. Because the solicitor was 2 hours late I had to return to my car to buy another parking ticket. Unfortunately, because I was highly stressed in the fact that a tenant could lose their home through no fault of their own, I left my paperwork / proof in the car!!! Upon returning to Court, I was told that the Judge was waiting for me!!!!! Waiting for me for a full 5 minutes, whilst waiting for the banks solicitor for 2 hours... Within court, the Judge ruled that the repossession and eviction go ahead (that day) because there was no proof of what the bank had said and also no proof that I had paid £5,000.00 I asked whether I could be allowed 5 minutes in order for me to get my paperwork and was told this would not be allowed. Incidentally, the banks solicitor spoke with me for about 2 minutes before court and within court proceeded to say a lot of things that were completely untrue, - for example, I was experiencing struggle in payments (this could have been easily disproved with my paperwork as I was not struggling at all). Complaint to bank resulted in me being ignored. I then had a meeting with a bank manager and she was surprised that my account had been closed down - she could not tell me who or why it had been closed down but she did recognise my serious complaint. She said that she would have one of her colleagues deal with this. Needless to say I was ignored after this. Further letters of complaint were ignored. Approx 3 years ago, as the bank had failed in their duty to provide me with a subject access request as well as failing to answer my complaints, I managed to obtain an appointment with a new bank manager. I showed the new bank manager copies of my correspondence and also said that this matter had been going on long enough. I explained to the bank manager that unless he was willing to deal with my complaint within a reasonable amount of time (i gave 2 weeks), then I would be standing outside his bank with leaflets giving the leaflets out to customers and public highlighting the fact that the bank has made a serious error and is refusing to deal with my complaint accordingly. I also mentioned the fact that I had checked with the local police who provided me with advice concerning the legality of my proposed actions. The bank manager said that he would deal with my complaint... To cut a long story short regarding that complaint, - the bank manager faxed my letter of complaint to another manager who would deal with me. I was then informed by said manager after 8 weeks that they could not read my complaint as the ink was smudged. The bank did give me my subject access request, though incomplete and it was missing important information. The house that was repossessed cost me: £16,000.00 as a deposit for the mortgage £15,000.00 in repairs on the property - it was still undergoing repairs on the repossession day. Numerous other expenses totalling approx £5,000.00 The bank has ignored me continually and was told by FSA??? (cant remember) that due to the length of time, they are unable to investigate. I explained to them that I considered this to be unfair as the bank ignored my complaints continuously, however that did not have an effect on the fact that they said they could not investigate. My other losses are inability to obtain mortgages at a more favourable rate since the repossession has had an effect on my credit record. Other information: The purchase price of the house was £80,000.00, my mortgage was for £64,000.00 and the house was sold for around £59,000.00 causing me to have a debt of £5,000.00 which was then transferred onto the other property. Sorry for a long post, hope it makes sense... Thanks in advance for any help with this!

Hi Everyone Looking for some information please thinking of selling my house should I request a SAR before I put it on the market ( would this possibly slow the sale of the house down ) we can sell the house quick very interested parties who wish to buy it and have a mortgage in place or should I sell then activley persure for late payment charges, intrest charges etc any help greatly appreciated.

Please help me, I think i'm being a little thick here what is OSC, and if so can i caim back any money from it as i have been with Bright House for ages?

My mother and father are selling their house and everything was going fine until it came to attempting to pay off a Lien on there property £16,000. Firstly the creditor isn't replying to our solicitor with any details on how and where to pay. The Lien is 20 years old. My parents havent heard anything from the company concerned since the lien was placed. My parents are very concerned that there will be a huge amount of interest on top of the debt. Can they ask for interest even though they havent sent statements showing it been added. My parents cannot find the original paperwork regarding the Lien if there was ever any sent. Strangely their solicitor seems to be stuck on how to proceed with the sale. Any advise? Regards John

Parents got an 8 week old female Jack Russell yesterday. She does go outside in the garden; but doesn't seem to want to wee out there? Has anyone got any advice please. She'll poo outside with no problem. She just wees inside the house. She also chews on everything, which I assume is normal? She has the naughty habit of licking my hands and then deciding to nibble them. Very sneaky. She currently doesn't have a name. Any name suggestions would be appreciated. She's black and white. Will post a photo when I get a chance.