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Found 21 results

  1. 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
  2. Could someone give me some advice my mortgage is outstanding around 30k and I have positive equity in my home. I am reaching near pension age and currently claiming ESA. If I decide to take out equity release to soley pay off my mortgage would my benefits be stopped. I am in a catch 22 situation what to do and am worried sick. I am under going cancer treatment and dont need this on top. As I would get one payout of say 30k from the scheme to solely pay to keep my house over my head would they stop my benefits. Or is it if they spread the 30K in instalments and treated
  3. Hello, Im currently claiming ESA. I spoke to an adviser today asking when benefits are released from the system. I asked as I dont want any mistakes with my payment leading up to xmas and wanted to make sure if it was released. The adviser said that It hasnt been released She said if I dont get paid then to call back. I get paid every 2 weeks on a Thursday and thought payments were released monday mornings for payments on Thursdays? I called around 4pm if thats any help. Does anyone know when ESA payments are usually released for payments on a Thursday please?
  4. Security researchers have put a pompous computer criminal in their rightful place after releasing the decryption keys for their ransomware. Lawrence Abrams of Bleeping Computer writes that the ransomware, which was released last week, encrypts users' files using AES encryption, appends the .LOCKED extension to all files, and demands that victims pay a fee of 0.5 BTC (approximately US $210) in exchange for the decryption key. All things considered, a pretty standard piece of malware... "You'll never be able to find me. Police will never be able to find me. Go ahead and try them if you
  5. Hi all, Hoping somebody may be able to shed some light on my question.. I have a judgment against an individual. I have come to realise his name is misspelt on the judgment. Have been advised by the court to make a formal application to correct this using an N244 form 'Notice Application'. My question really is regarding what court fee I am supposed to pay. Ive read the official fee guide but it doesn't make it very clear regarding this type of application. Any thoughts? Ive already emailed the courts to ask but thought somebody may have the answer
  6. Hi, After some advice if anyone can help. It's very complicated - well, at least it is to me as I'm totally out of my depth! I'll try to be brief... Back in 2013 I was on JSA and totally, brutally, skint. I had a small pension with Standard Life, the current value at the time was 10k. I received a cold-call from a company offering me a way to transfer my pension and release 20% of the value immediately. I was 38 at the time and even I knew that this was probably a bit dodgy as 55 seemed to be the only age this was allowed. But because I was so poor I figured that £2k now and worry
  7. Hi, In September 2014, I filed for Bankruptcy. Recently the Insolvency Practitioner arranged a House Valuation and has now sent me a letter requesting that I pay £26 k as this is the equty in the property. The house is in my sole name. I am working full time and have just enough money to keep my head above water although may be able ot find £50 or £100 per month by cutting down more if I have to although it is so tight My plan eventually was to try and sell the property a few years down the line for a smaller more affordable one. I am only paying interest only on the house and so will never
  8. My mother took out an equity release scheme with Aviva 13 years for 81k.... with an interest rate of 8.5% compound, and an early repayment clause linked to gilts. She has realised that if she maintains this, in another 10 years, she will effectively be destitute as the interest will take ALL of the equity in her home, her only asset. She therefore wishes to repay it early and Aviva are now seeking, in addition to the exorbitant interest accrued over the years a 62k early repayment/payment clause... therefore to settle this debt, she must now repay 294k or thereabouts. She did no
  9. My friend’s tenancy agreement ended at the end of June and she vacated the property, fulfilling all contractual obligations for professional cleaning and returning keys. The circa £800 deposit is held with the DPS and my friend has still not had any of it returned due to the landlord disputing £70. After my friend moved out the landlord claimed costs for sending 2 x letters @ £25. Unreasonably these letters were sent on consecutive days. One regarding rent being 3 days late (the first time rent was ever late and it was paid within that week). The second letter was because the landlord h
  10. Fame & Fortune: Engelbert Humperdinck, the Sixties singer, on dealing with money troubles after tuberculosis How did your childhood influence your work ethic and attitude towards money? I was brought up in India until I was about 10 years old. My father was in the British Army. We had a very comfortable lifestyle. We then returned to the UK, to Leicester. I left school at 15 and, at my father’s behest, undertook an apprenticeship as an engineer. My first pay packet was 28 shillings, the majority of which I gave to my mother for room and board, and so I lived on five shillings a
  11. Hi everyone. I am a part time motor trader, and bought a van to sell to a friend. Said friend then decided he didn't want it, and I had to keep the van near my house. Now, I KNOW I am at fault, I parked the van on the road without it being taxed. Long story short, a neighbour reported us. At 5pm on the 17th December, I drove past and saw the van had been clamped, with a DVLA flyer on. The leaflet explained there was a £100 release fee, and I also had to produce a valid tax disk. The following morning at 9am, I taxed the vehicle, and paid a £100 release fee to have t
  12. Guys, I'm going into hospital tomorrow for a Carpal Tunnel Release operation. Have any of you had these procedure, would like to know what to expect. Boris
  13. Leading economist Ros Altmann argued in this space yesterday that equity release providers charge too much to unlock wealth in bricks and mortar for older homeowners who are short of cash – but lenders claim her analysis is unfair. For example, while some equity release schemes – also known as home income plans – charge more than 7pc per annum, or double conventional mortgage costs, it is now possible for homeowners aged over 75 to borrow at 5pc without having to pay any interest before they die or leave the property. However, even at that lower rate of interest a debt will double in size in l
  14. Hi, Found out today BT are showing me as defaulting in 2009 but this is rubbish the only thing I did then was leave them as they changed the terms of their contracts or something and their chief executive said they would not hold unhappy customers to their contractual terms. Does any one know what this was I have googled but can not find it. Regards, Sean Addison
  15. Hello all, It's been a while since I've needed help, I'm so confused:- I have several pensions, they are very small occupational and some private pensions that I have paid into. I searched for similar post but keep going round in circles;- OK I have five small pensions that I stopped paying into about 12 years ago,, during a move Lost all details, however the good news is that the pension have moved to different companies, three I have tracked down, the other two are causing me grief, I originally took the pensions with Colonial Mutual, who then went from a Mutual company t
  16. Just out of interest, reading all the various posts on PPC's getting info from DVLA, is it possible for the RK to register with DVLA that under, say, Data Protection Act, they withdraw all rights for DVLA to provide information to non official bodies (ie Police, Local/National Govt)? Seem to recall that on the back of a V5(?) there are notes on information promulgation Just curious
  17. Financial comparison website Moneyfacts.co.uk has partnered with Just Retirements Solutions to launch an equity release advice service. The providers panel is made up of Aviva, Bridgewater, Just Retirement Limited and Stonehaven. Just Retirement Solutions Group External Affairs and Customer Insight Director Stephen Lowe says: “As the ‘baby boom’ generation move into retirement, many will need to find ways to supplement their pension income or pass on money. More and more people will be looking at how best to use the wealth tied up in their homes. “We are delighted to partner with Mon
  18. I live in my late parents’ house and I’m mortgage free. My parents took out an equity release loan on the house for around £15,000, repayable on the death of the surviving partner. Interest wasn’t charged but the final sum due takes a percentage (33%?) of the appreciated value of the property (plus the original £15,000). The last survivor died around four years ago. I have not informed the lender. I am 55 years old and self-employed. I cannot afford to pay off what may be due , and I’m worried. What is the position? Thank you in anticipation.
  19. Hi Press release by CAB on the Goverments decision to give OFT powers to suspend consumer credit licenses with immediate effect. http://www.citizensadvice.org.uk/press_20120719 Interesting
  20. Press releases 2012 - Mr Superloan stripped of licence 57/12 4 July 2012 'Mr Superloan', a Sunderland-based business, can no longer trade as a home collected money lender following OFT enforcement action. Kevin Duke, trading as Mr Superloan, was found unfit to hold a consumer credit licence by the OFT on 19 December, after he failed to fully disclose his history of criminal convictions on his licence application. Mr Duke appealed the OFT decision, but the First-tier Tribunal - the independent judicial body that rules on OFT appeals - refused the appeal on 29 May 2012. I
  21. Our 'lovely' neighbours one night decided to back their car into both of our cars in September 2011 since then we have been battling with our insurance company Direct line and their insurance company to settle this claim. In October my car insurance was due to be renewed however due to the pending claim I could not afford the renewal with DL so had to change to another insurance company. In Feb/March the neighbours insurance company finally admitted liability and I have received payment for the excess and also personal items however despite admitting liability it appears they have not made p
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