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  1. Hello, I am looking for help and advice relating to this on-going dispute I have with the Nasty-west. (Edit) Long story so give you the short version. Reclaimed back bank charges before they put a legal stop to it. Tried to reclaim Advantage gold service charges -they denied it Reclaimed ppi on one loan.. They have never reviewed or addressed the three previous loans with ppi on them. I refused to repay the loan until the resolved the ppi- they didnt. Instead they told me to court and won over a technically and obtained a charging order on my house. I have cont
  2. We have a de-linked unsecured loan (part of together mortgage, but we moved mortgage) from 2006 for £29k, we have never missed a payment, the past few years we have had agreed, reduced means tested payments NRAM passed it to a solicitor who have managed to issue a CCJ against us after saying we missed six months payments..we didn't. We called the solicitor from the CAB on the morning of the court date (October 2017) and CAB manager explained we hadn't missed any payments. They agreed to stop the court action that day (in an unrecorded phone call!) CAB man
  3. I do not know what to do with this, I received an Interim Charging Order today, with a hearing on 2nd December. I have not defaulted on the arranged payments which are £30 per month starting 21st October, this was arranged by a Variation Order. However Capquest have put on the form that this CCJ was not payable by instalments, which must be how they got the Order. I have phoned them and they say as the £30 a month is just a token gesture they are still going for the charging order, as they say I have defaulted on the total amount. The total debt with charges after t
  4. Hi Everyone Desperately looking for advice and help. My wife and I have a joint Lloyds current account held for 15+ years (I have been a customer for 50 years but that makes no odds). Due to personal circumstances of having a disability I am now in a position of not being able to work. This account has an overdraft limit of £3500 but currently it is £3509.35 O/D. So not much over its actual limit. For clarity we were sensible enough to have a "parachute account" though this is with Halifax, but I believe it to be ringfenced? The Lloyds one is "inactive" and the only movemen
  5. Please can anyone advise log book loans got a charging order on my house - i wrote to the company thats dealing with things they responded saying another rcompany had bought their debt and i could make an offer to them to clear , I havent contacted them yet as i didnt want to say anything I shouldnt to them - Im so confused by everything , does anyone have any advice please ? Thanks very much
  6. Hi, I am having problems with a company who are trying to levy on substantial charges that they promised do not apply to me (have it in writing several times as well as verbally on numerous occasions). I decided not to use their services because of multiple failures on their part, but they are still trying to charge me. However the company is watching me online and I can't name them, nor the type of company they are because it's a specific type that there are very few of and they will immediately find it. They find everything I post and then send legal threats saying it's slander
  7. I hired a van from Sixt Car Hire in Leeds in early June in order to move my belongings to a new house. I hired the van just for the day and used Sixt as the prices were competitive and they were located nearby. When I picked up the van I was shown around it and giving a considerably long list of pre-existing damages. It was clear the van had been in quite a few incidents before as there was considerable dents, scuffs, scratches etc. When I rent a car I usually take my own pictures of the car but stupidly didn’t in this case mostly due to the tight time schedule I had for being a
  8. Hi I am looking for some help... I own a property with my daughter. We have a 75% mortgage and a 25% loan from Redrow that is due to be paid next year (10 years interest free) I am not working, on ESA with no prospect of a return to work. I have a final charging order on my share of the property. We have been trying to negotiate with the solicitors who have the charging order to pay this at a reduced rate as there is no equity in the property, actually 15K less than we paid. My daughter wants to pay it and move the mortgage to her name and pay the redrow loan. She now
  9. Hello Try to be brief. had a ltd company back in 2005 with an overdraft linked with a personal guarantee. The company is now dissolved and Lloyds obtained a CCJ against me for the bank overdraft of £7900. I did not know about this until I searched Land Registry and saw a charging order on the property. The charging order was dated 2009 I contacted Lloyds who inform me that they no longer have the debt as they sold it and passed liability first to Hillsden and then to Cabot and lloyds. I have requested from lloyds all the copies of the original loan details, Ts&C
  10. Looking for advice regarding a really old CCJ, Interim and Final Charging Order placed during an IVA. My partner and her ex both entered into a joint IVA I believe in 2007, one of the creditors was Lombard Direct (part of RBS I believe) was included in the IVA. Lombard Direct did not respond to any requests to company managing the IVA at any time during the process, so did not receive any dividends whatsoever, but the debt was listed. My partner was informed not to engage with any of the creditors involved in the IVA at anytime. The IVA was completed successfully and comple
  11. Hi all I've been researching alot just need a final bit of info please . I found out last year I had 2 charging orders against me /my property , finally found out who they are from one being Nine Regions which has since been liquidated . I am writing to the court on form N244 to ask for it to be removed . i was seriously ill at the time and in hospital in a coma for quite a while , a lot is a blur , Ive mentioned this and the fact that the company is liquidated . Is this the correct procedure please ? I know I should write to last known address but
  12. Hi, As the subject says I have a interim charging order from 2009 with Lowell. I have been reading online and it says that after 28 days it would automatically be made full. I checked the land registry last month and its still showing as interim is this normal? My current plan is to do a Subject access request on the 25th May (when GDPR is live) and check that my credit agreement is valid and that the correct process was followed. The debt is an old credit card and I'm also sure there are many charges on there that make up the debt. So I aim to reduce or best case have it removed for
  13. Hello all and hope this is in the right area for posting this...if not I can remove and repost if directed, thanks. Ok here we go...the sob story....I have had my head in the sand about all my debts for years, mostly from losing my job in 2009, family loss before and after and some health issues since but none of that really matters as the ball keeps rolling...so to now! Where having had Land Registry contact me (a second time) with regards to both a RESTRICTION & an AGREED NOTICE (for 2 separate debts), it is clear that this cannot continue so I have to do something abou
  14. I usually give advice on this site but now need some myself The company that owns the Freehold of an old property of mine sent a bill for ground rent to that property which was not passed on by the tenant. They have since instructed a Law Firm as Debt Collectors who has charged me 2 lots of £180 for a letters sent to the rental property and then later to my registered office. I paid the initial sums owed as soon as I got the 2nd letter to my registered office but not the Debt Collectors £360 fees. My question is where do I stand on the amount of the fees charged? £180 p
  15. Hi All, Not sure if this is the correct forum, I have a somewhat difficult situation I am contending with. in summary; I had a lease vehicle; prior to the end of the lease arrangement I arranged the inspection (Thurs 15th March 2018) and collection (Sat 17th March) with British Car Auctions (BCA) in accordance with what I had to do (inspection within 7 days of collection and end of contract). BCA failed to turn up (i took the day off off work!)! I called BCA who advised that they had made a mistake and schedule my inspection and collection for the incorrect dates. They advised m
  16. Hi Just received a claim from Howard Cohen this morning. Just wanted to check what I need to do. 1st - Acknowledge claim. Can this be done online? 2nd - Send CPR18 to Howard Cohen, as belows [template removed - dx] 3. Wait for reply.
  17. Ulster bank got a judgment against my husband and I in 2012 for 80K When it went to court we accepted and offered 50.00 per month, we returned the paperwork and there was a judgment made but not for any money. I knew nothing about a hearing date and as far as I was aware it was just paperwork. They are now going for a charging order against our house. we have about 10 - 12 thousand equity in the house and it is a shared ownership / homebuy direct property. we are in trouble financially and looking to sell the property at the moment. The hearing is in a months ti
  18. Hoping someone can give me some advice here. Arrow Global and Restons have issued me with Court papers for an HBoS debt which goes back to 1997! Over the past 10 years I have requested the CCA and have SAR'd other DCA's but the CCA has never been sent, only an Application Form with retyped up-to-date Terms and Conditions. Now, of course, Arrow Global have applied for a CCJ. I don't think I would be able to go to Court myself (as a pensioner I don't have the funds for the trip to Northampton for one thing) but do you think I should dispute it? And if so
  19. Hello! I went to court with my neighbour over a land dispute. I had to withdraw from the trial because I am deaf and the audio loop wasn't working, but the Judge refused to adjourn... This is probably a whole other area, however, the neighbour was awarded costs of £23k and has now placed an Interim Charging Order on our jointly mortgaged house. My husband is not the debtor. I want to know if I can argue that the Award is unfair, not just because of what happened in court, but also because it includes a 100% success fee, which I feel they are not entitled to because I did not re
  20. Some years ago now I got into debt and at the moment I am in a much better position. I have a CCJ that I have not paid anything off and its over 6 years old now and not showing on my credit history. I have 1 debt that is also statute barred now for around £3600. My wife also has a CCJ that will disappear in August which she has not paid anything off. She also has 1 debt that has a charging order on her half of our house which is being paid. Since all these debts and the charging order there has been a family death and we have paid off our mortgage. Regarding the cha
  21. Morning all, Just wondering if anyone can see anything wrong with this agreement which might render it unenforecable? Thought i had read something a while back regarding the ppi needing to be outlined seperately as opposed to being set out as here. If there anything else anyone can see is not right also, please say. This might be a bit of a tricky one if is not enforecable (long story) will fill peeps in at later date once know basics of where stand with it. Many many thanks as always, Mpols x im very aware how busy the forums are at the mo, so just going
  22. Can a company who placed a charging order on our property stop me from selling please?
  23. My daughter took her ex to court over monies he owed her, currently standing at over £6k. She won but he paid her nothing a year later she went back to court and the judge awarded her a Charging Order over his property (he co-owns with a previous ex). She has tried to register the Charge with the Land Registry but they appear to have awarded a Restriction. What is the difference and what should she do?
  24. We rent retail premises which has a totally separate flat above it. A box on the wall at the rear of the property contains the electricity meters. British Gas were 'kind' enough to update the meters to digital style meters a couple of years ago, leaving the old meters in place but in the process they connected BOTH properties to one new meter. This means that British Gas are now billing the tenants of the flat at a domestic rate and ourselves in the shop on a business rate for the same electricity. We have it in writing from British Gas that this is the case, despite this, they
  25. Any advice on this one Had a CC debt with HSBC tried to claim on PPI but as my ill health was down to existing condition it did not cover me - recieved court summons replied arranged via court to pay £20 per month However mum diagnosed with cancer missed one payment £20 but contacting them to apologise and issuing payment for further 3 months in advance so I would never be in a position to miss a payment again - yet recieved summons re charging order went to court by myself and Charging order was granted Since which time however on reading info about missold PPI's via CAG wond
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