I attended court in may where the judge granted HBOS a possesion order for my home as i have been unemployeed and unable to make payments. Infront of the judge the claimant from halifax stated the figures, which where £81.203.17. this was stamped and 56 days notice given. In the meantime i have agreed to sell the property for £87500.00, enough for estate agents fees etc, BUT when the solicitors dealing with the matter requested a final settlement fee, the halifax come back with £85672.40!!!!! as i have to pay an early redemption fee Its obvious that hbos assumed i wouldn sell when applying for the order, but i have and now they are stopping me from selling due to imposing this fee, as the £4000 fee was monies for moving costs. Any advice appreciated thanks guys

Thanks for reading. After reviewing a recent copy of my credit report I realised that Halifax defaulted me on an old current account back in Nov 2010. I did not receive a default notice and was paying £15.00 per month as agreed by letter from them (a copy of which I have) stating that a £15.00 a month would be acceptable for 12 months dated 10th April 2010. I received no further mail from them and continued to pay £15.00 a month until March of this year where I paid the remaining £105 to pay it off. Accept I was some 12 months over their review date but they defaulted me within our formal agreement arrangement. I want to write to Halifax - any idea of best person/department to write to? Ultimately I'd like this default removed - what are the chances of this do you think? Many thanks.

I live with my mum in a rented apartment and suffer from severe agoraphobia and anxiety. I can barely leave the house and when it's time for inspections i get terrible panic attacks that it takes me days to recover from. I've just heard that the owner wants to sell the apartment and wants to arrange viewings. Is there anyway i can stop the viewings from happening as i know its going to cause me a lot of distress to have strangers coming into my only safe place in the world and looking at my things.

Hi all. I am a novice to all this debt and just require some advice. I have received a letter from Bryan Carter Solicitors; RE: Arrow Global Guernsey Limited. For an outstanding Balance of £679.07 The letter states; "This matter may be referred for court proceedings to be issued in 10 days if payment is not received at our office by that date." Previous to this I received a couple of letters from Fredrickson International Limited; Re Brand/Product: Capital One. Our client: Arrow Global Guernsey Limited. Balance £679.07 I ignored the Fredrickson letters as at first they wanted me to contact them to verify if I was the correct person. So as far as I was concerned they were phishing. I did have a debt with Capital One which I last paid towards in about mid 2005. I then stopped paying as I was advised to and started proceedings to enter an IVA. The IVA was entered in February of 2006. By end of February 2006 I was made redundant and did not find work till May 2006. I missed one payment on the IVA in that time. I requested that the amount I was paying the IVA be reviewed due to my far lower pay scale but unfortunately this didn't happen. I struggled with the payments but unfortunately and ultimately the IVA failed in the January of 2008. I have not heard anything from any one I had debts with since I entered the IVA until now. So one question I have is, As the final payment to the debt with Capital One was in 2005 does this make the debt Statue Barred or does the fact I was paying into the IVA mean it is not? What steps should I take next? Thanks in advance. Andy

Hi Guys Need your help to sort out if I can claim anything on PPI etc, not really up to scratch with internet jargon but I will do my best to give you the info I have and then you can point me in the right direction. I am nearly 60 years of age so be gentle and basic with your instructions. Quick overview of what I know. Got a mortgage loan off Halifax approx 1982, (I have the mortgage number) but dont really know if we were paying PPI or not, the only thing I know is I have a statement which shows me my monthly repayments plus a payment plus a repayment for insurance but dont know if this was house / life insurance. How will I find this out? We then moved to Britannia Builing Society approx 1990 and had five repayment / interest only loans all of which are now fully paid up (interest only one didnt realise it's potential and still cost me £4000 on completion) I have found a Payment Protection Schedule dated 1991 ( even though everything was completed in Feb this year and it is still coming out of my bank now) off Britannia and loads of other policies re life assurances etc. As far as we were concerned PPI was part and parcel of getting the loans but not apparently so. Where / what should I do now? So sorry this is so vague and I hope you can help as I have had these archived paperwork out loads of times and have not had the courage to persue but it has really riled me that they are STILL charging me PPI payments when everything has been paid off. Thanks in advence Trevor

I am currently subject to a DRO. Recently my lodger moved out and obviously I have not been getting any monies from him as he is no longer residing here. The official receiver is aware that he was living here and are also aware of what he paid for his contribution to rent etc. As a result of the above the council has recalculated my benefit and has said they will be sending me a refund for the additional amount that I have paid whilst they have been sorting out my benefit. My question is do I have to inform the receiver of this refund or not? As it is a refund to compensate me for money that I have had to pay over and above my normal outlay and there has been no adjustment for the loss of his contribution I am unsure.

Have just won my ESA tribunal, but aware that this is going to be a long-term rollercoaster ride, so preparing ahead for the inevitable ESA50 arrival some time soon. Am due to move from London up to South Yorkshire beginning of August. Am a bit nervous, as have a wonderful relationship with my current GP, and have been his patient for many years. I am worried about the impending change to a new GP, and how this will effect my ESA in the future. It's worrying the thought of going from somebody who knows me inside out, to somebody who knows nothing at all about my medical problems. What's the best way of ensuring my new GP is fully aware of the medical issues that I have ? Do I need to provide medical letters and notes from my current GP ? or will this be done automatically ? I am also in the process of getting copies of all my Hospital notes, X-Rays and MRI scans but do I need them all, as are very extensive ? Should I keep them relevant to the date I initially claimed my ESA from ? I managed to win my Tribunal without any hospital/consultant info, purely on a GP letter, but need to be prepared in case new GP is not as understanding. Would it be worth me paying £20 and asking my GP to write a letter outlining my condition ? So nervous about this move, purely because of how much of a star my GP has been.

On 24/10/11 I sent a SAR to HALIFAX on behalf of my sister-in-law.(i was writing in her name) I enclosed a cheque for £10.00(the cheque was not in her name as they had previously seized monies because of monies outstanding) printing her name on the back of the cheque and her account number.The cheque was cashed on 01/11/11. To date I have received no response trom Halifax.Can anyone advise me as to the next course of action.

I made a CCA request to Barclaycard but the information I received was just some terms and conditions. I took some advice and made a Subject Access Request http://i1019.photobucket.com/albums/af319/Ukmark319/BarclaycardSARrequest.jpg I got a reply today under this request and all I got was a forwarding letter (Below) and a bunch of statements going back to 2003. http://i1019.photobucket.com/albums/af319/Ukmark319/barclaycardSARreply.jpg so there is no signed agreement or anything that resembles one just pages of statements. What should I do now Many thx Mark