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  1. Can anyone help me with a letter template for a deed of postponement. At the moment I’m thinking of remortgaging to a better deal. mortgage advisor advised that I would need to write to the people named on the deeds to see if they would agree to this. The main problem is that the company 3rd on the list is welcome finance who have sold the debt to a company via a deed of assignment called prime credit who are now 4th on the list. Any debt owed is made up of penatly charges and part of a long running dispute with both owners. That resulted in a possession hearing last yea
  2. I am a landlord, I did think this might go into the lettings forum, however I think it could be a general legal issue relating to contracts. We have a joint and several tenancy agreement for tenancy due to start next month, students. (Downloaded from National Landlords Association so hopefully current. Note my LL NLA membership has lapsed but they do keep giving me free access to the document library as an ex member) One tenant wants to exit the agreement and has been very helpful in finding a replacement T. The other T's are happy with the new T so wish to employ a "deed of transfe
  3. I am a landlord, I did think this might go into the lettings forum, however I think it could be a general legal issue relating to contracts. We have a joint and several tenancy agreement for tenancy due to start next month, students. (Downloaded from National Landlords Association so hopefully current. Note my LL NLA membership has lapsed but they do keep giving me free access to the document library as an ex member) One tenant wants to exit the agreement and has been very helpful in finding a replacement T. The other T's are happy with the new T so wish to employ a "deed of transfe
  4. I thought I'd better start a new thread in regards to this as it may help others find info on the same thing. I asked Cabot finance for a copy CCA and a true copy of the Deed of Assigment. They got back to me saying that they have requested the CCA and it could take up to 40 days which I know is not allowed so sent them another letter in regards to this but my question is that in response to my request for a true copy of the Deed of Assignment they said that "This document is confidential between the original lender and us and as such, is not available for disclosure. However, the N
  5. What would happen if I claimed back my ppi on credit cards and loans when they where put into my trust deed. My trust deed has b een discharged. Will my creditors have any claim on my claims:?:
  6. I entered into a Trust Deed in 2009 through a company in Edinburgh that I finished paying 3 years ago, but have still not been released because of PPI claims. I recently received a letter from them stating that they are now (finally) about to enter the process for closure of the case. Attached to the letter is a statement of the PPI claims received and so far this amounts to just over £4,000, but there is also a note stating that they have received £1,810 from BoS (quote) "but does not match any of the accounts above" (end quote) Does this mean they are still
  7. Hi there folks, I would like to ask a question about an overdraft situation. I used to run a small business about 8 years ago now I was a sole trader not a Ltd Company. I had my personal and business account with RBS. When things were going good money was being thrown at me by the bank. I needed a newer car at the time and I telephoned my business manager to see if I could borrow £7000 to purchase the car. He told me that he would give me it as an overdraft for now and to come into the bank and he would issue me with a bankers draft for the car d
  8. apologies if this has been covered in other threads, I changed my name through solicitors, around 1991, with moving around alot, the deed poll has been lost, I now need this document to obtain some old qualifications that were lost too, (old qualifications in old name) I did some digging aorund, http://freedeedpoll.org.uk/ found above site, which is great. Many people saying dont need to spend large bucks getting it replaced, my question is, can you back date the replacement document ? (I could use the freedeedpoll site and just set the dates for the year when o
  9. Hi All, I have just received a Claim form from Lowell Portfolio I Ltd. via Northampton CC, it was issued on 01 Aug 14 but I only received it at the end of last week. After having a discussion with a friend who is quite clued up on these things he mentioned requesting the Deed of Assignment as apparently the debt is not allowed to be sold without me being informed and if they don't have this information then nothing can be done regarding the debt, he also went into explaining about the OPPT and it being dissolved therefore we are all debt free anyway!!
  10. Hi All Slightly complex situation but here it is, any advice appriciated. Overview We have a mortgage with NRAM and a secured loan with Picture>Webb>IDEM. We cannot make payments and are in default. NRAM looking to put us on a voluntary repossession scheme which are happy with. IDEM have had us is court. Today was the third hearing and they didn't show as they cannot find the correct Deed of Entitlement information, witness statement and paperwork. They asked for Adjornment via letter (not sent to us only the court) but the Judge struck out the cla
  11. Hello all, anyone know about second charge and Deed of entitlement? Interesting Case with IDEM Capital, advice required please Hi All Slightly complex situation but here it is, any advice appriciated. Overview We have a mortgage with NRAM and a secured loan with Picture>Webb>IDEM. We cannot make payments and are in default. NRAM looking to put us on a voluntary repossession scheme which are happy with. IDEM have had us is court. Today was the third hearing and they didn't show as they cannot find the correct Deed of Entitlement information, witness stateme
  12. I dont know if any experts on here can help with this one, it is a bit complex! Is is correct that creditors are not entitled to charge interest on a secured debt after bankruptcy occurs? What legislation allows secured creditors to just sit on their security...? because essentially all debts, whether they are secured or not are in fact included in BR. Anyone with any legislation would be gratefully received.....
  13. Hi folks, just joined and looking for advice. In January 2012 I entered into a 3 year trust deed. After about a year I sustained a serious head injury and was left with brain damage which meant I could no longer work or afford the £200/month payments. I contacted the company and they seemed very helpfull and agreed that while I was on benefits I would no longer need to make the payments. Last summer I was contacted by them and they asked if I could have a letter from a medical professional dealing with my case to confirm my injury was long term with a view to cl
  14. Hello This is my 1st post to the forum and need some advice. Cabot Financial have taken over 2 of my credit card accounts from Co-Op. Both accounts were defaulted but I have been in a payment agreement with the Co-Op for over 2 years. I have requested full details of credit agreements and a copy of the 'Deed of Assignment' but Cabot is refusing to provide this saying and I quote... " These documents are confidential between the original lender and us and as such, is not available for disclosure" Could someone please advise on my next steps for me to obtain the
  15. ok my situation is a strange one. i entered a trust deed (IVA) 2 years ago but i lost my job this year and all they said was as long as i make a token payment i will be fine. i have been offered a job in canada and seriously thinking about taking it, i need to be there before dec 31st. this month is the first month i have not been able to pay my mortgage as I'm not working also i doubt ill be able to make my payment to trust deed. my question is whats my best option here goto canada and forget about my debt send the keys to mortgage company. can i go bankrupt from canada, explain situation t
  16. Hi all. I am new here but I have had a couple of things on my mind regarding my trust deed. I am desperate to get a mortgage so my family can move. Back in 2008 I got into serious money problems so decided to get a trust deed. This comes off my file in January 2015. My score with check my file is 404 currently which is one star. It does not seem to go up however. I have 3 credit cards to improve my score (had one 3 years now and paid off in full every month) another one 2 and a half years (paid off in full - balance started at 250 but now has been put to 2200 due to
  17. 2005 Loan made to purchase a leased flat and the loan was secured by a first mortgage on the property (the principal charge). In 2006 the loan was sold or transferred including all of its interests to another company who then recorded their interest by way a charge using the original mortgage deed which was created in 2005. A few months later with out any knowledge being given to us the borrowers, the so called loan in equity only part was sold and put in a pool of mortgages then sold to investors using the Irish stock exchange. We now jump to 2013 when aft
  18. Hello, I have recently changed my name via Deed Poll. I want to tackle my debts atm. I notified my bank so they will most likely amend my data with all the CRA. Do I need to notify any of my creditors/dcas? And how to be sending CCA/SAR requests as from now? Just print my new name or add in the text previous name?
  19. Hello. First post, hope this is the right section. Our landlord wants to sell the property and since we don't have a break clause (we moved in 3 months ago for a 2-year lease), we as tenants agreed on breaking the contract under the conditions: 3 months of free rent and moving out in Apr. Now the next step is to sign the deed of surrender and, since I'm new to this kind of paperwork, I'm seeking for an opinion on the clauses in the agreement. DEED OF SURRENDER Agreement 1. The Tenant hereby surrenders to the Landlord the Tenancy Agreement and the property on
  20. New to this and not sure if im in the right place but needed some advice on Trust Deeds. I am starting an application with a company.. does it matter what company or do they all pretty much do the same? They say if my houseis in negative equity I will stillhave to pay £500 as they take into account that I might get some equity over the course of the Trust Deed. Is this the same amount with every company? Thanks
  21. Hi, I seen a TV advert for an organisation named Trust Deed Scotland Ltd and a service they are advertising called the Trust Deed Wizard. Can anyone tell me whether or not this as a con as I've read mixed reviews online and I'm swaying to the opinion that it probably is a con but if I use it and put in fake details, do you know how accurate it is likely to be? I have also been advised to consider a debt charity called Stepchange but I dont know if they have the experience of the Trust Deed Wizard people - but don't want to rule anything out. If there is a different company, perh
  22. Hi All My daughter has made a video for the McFly battle of the fans competition which closes on the 8th January (no pressure)….….. You don’t even have to watch the video and there’s no ad’s or spam so PC safe……..She Just need’s as many votes as possible to try and win a chance to meet the band. Pretty please could you possibly click the “like” link on this video (facebook required) http://supercity.mcfly.com/battleofthefans/view/503 Feel free to promote via any possible means (Partners, Son’s, Daughter’s, Family, Friends and then their
  23. PLEASE HELP ME , i had a ccj against me in 2006 for £17.5k and with interest plus court costs it came to about £21k i was told to pay £40 per month but then i got made redundant i could not keep up payments i panicked and did a runner {I know i could go to prison} - no you cant!! i got a letter from HL Solicitors acting on behalf of Lloyds TSB who said fill in attachment of earnings order and make an offer of repayment or they will enforce the suspended attachment of earnings which was £40. My question is can i go back to the district Judge and ask him to lower
  24. Hi First post and looking for some advice. I have recently completed a Scottish Trust Deed and have my discharge letter. My brother has come into some money and says he wants to give me a share but would not do so if it meant that I would have to give it to the debt management company to go towards the TD. Anyone know where I would stand on this.
  25. Hi there, I recently ordered serveral items of exercise equipment online from Sports HQ to help combat my ever developing couch potato physique. After 8 days, 5 days after the expected delivery date, I give SHQ a call as my order has yet to arrive. They inform me that according to there records the items have been delivered. I confirm there has not been a delivery and I have not signed anything to which they reply, "the driver left them on the porch". As I don't have a porch, we eventually came to the aggreement they had been sent to the wrong address and
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