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    • Agreed, let them default. Keep everything in writing, if they ring to discuss the accounts over the phone, simply say 'everything in writing please', and hang up. They'll soon get the message. Get all of your paperwork in order too, if you haven't got any, or are missing relevant documents, then you can SAR the original creditor, which is free and they have 30 days to supply the info. Keep a diary of events too. sit back and relax, YOU'RE in control, not them.
    • thought you said you had an sjpn? dx  
    • dont go near them bunch of scammers! ive removed ref. dx  
    • I used to post regularly in order to provide factual information (rather than advice) but got fed up with banging my head against a brick wall in so many cases when posters insisted black was white and I was writing rubbish. I have never posted anything which was untrue or indeed biased in any way.  I have never given 'advice' but have sought to correct erroneous statements which were unhelpful. The only username I have ever used is blf1uk. I have never gone under any other username and have no connection to 'bailiff advice'.  I am not a High Court Enforcement Officer but obtained my first 'bailiff' certificate in 1982. I'm not sure what records you have accessed but I was certainly not born in 1977 - at that time I was serving in the Armed Forces in Hereford, Germany (4th Division HQ) and my wife gave birth to our eldest.   Going back to the original point, the fact is that employees of an Approved Enforcement Agency contracted by the Ministry of Justice can and do execute warrants of arrest (with and without bail), warrants of detention and warrants of commitment. In many cases, the employee is also an enforcement agent [but not acting as one]. Here is a fact.  I recently submitted an FOI request to HMCTS and they advised me (for example) that in 2022/23 Jacobs (the AEA for Wales) was issued with 4,750 financial arrest warrants (without bail) and 473 'breach' warrants.  A breach warrant is a community penalty breach warrant (CPBW) whereby the defendant has breached the terms of either their release from prison or the terms of an order [such as community service].  While the defendant may pay the sum [fine] due to avoid arrest on a financial arrest warrant, a breach warrant always results in their transportation to either a police station [for holding] or directly to the magistrates' court to go before the bench as is the case on financial arrest warrants without bail when they don't pay.  Wales has the lowest number of arrest warrants issued of the seven regions with South East exceeding 50,000.  Overall, the figure for arrest warrants issued to the three AEAs exceeds 200,000.  Many of these were previously dealt with directly by HMCTS using their employed Civilian Enforcement Officers but they were subject to TUPE in 2019 and either left the service or transferred to the three AEAs. In England, a local authority may take committal proceedings against an individual who has not paid their council tax and the court will issue a committal summons.  If the person does not attend the committal hearing, the court will issue a warrant of arrest usually with bail but occasionally without bail (certainly without bail if when bailed on their own recognizance the defendant still fails to appear).   A warrant of arrest to bring the debtor before the court is issued under regulation 48(5) of The Council Tax (Administration and Enforcement) Regulations 1992 and can be executed by "any person to whom it is directed or by any constable....." (Reg 48(6).  These, although much [much] lower in number compared to HMCTS, are also dealt with by the enforcement agencies contracted by the local authorities. Feel free to do your own research using FOI enquiries!  
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Is this loan attached to her mortgage - together I think they call it.

 

You said earlier that she borrowed the equity - i thought that was this loan.

 

Sorry, its quite difficult as I am ringing and texting her questions!

 

She borrowed the equity and also took out the unsecured loan, just waiting for text to see if it is called together.

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Sorry, she is not sure if it is called together, she thought mortgage might be called tracker.

She was granted XXXamount when she was buying house and as house was XXX amount more they give her the rest as unsecured.....is that a together?

 

Does that make sense?

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So she has got equity then? How much is the house worth, is there a redemption penalty for early repayment, and how much is the mortgage outstanding.

 

Is it a joint mortgage?

 

Sorry she hasnt told me exact amounts on mortgage, so I didnt like to ask.

She has just told me that basically they owe more than the house is worth, plus this unsecured loan.

House prices are around £150,000 in the area but cant be sure.

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Ok, went round to my friends house today to get some proper details so I could help.

The £27,500 debt is unsecured and she rang northern rock and they have agreed £50 per month - Result!

 

Now there was another debt secured from NR that had been sold to Link financial for £30,000 so she rang them again (these loans are in her husbands name but he has given authority for her to speak) and the dca was very nasty, and would not accept any offer so she asked what would happen and he said "as in the credit agreement your husband signed we can apply to force sale of the house.

 

I am about to do her a CCA request to see exactly what he signed for.

 

Any advice?

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Ok, went round to my friends house today to get some proper details so I could help.

The £27,500 debt is unsecured and she rang northern rock and they have agreed £50 per month - Result!

 

Now there was another debt secured from NR that had been sold to Link financial for £30,000 so she rang them again (these loans are in her husbands name but he has given authority for her to speak) and the dca was very nasty, and would not accept any offer so she asked what would happen and he said "as in the credit agreement your husband signed we can apply to force sale of the house.

 

I am about to do her a CCA request to see exactly what he signed for.

 

Any advice?

 

Ok so what they have is - is this right?

Mortgage around £120k - Joint names

Secured Loan £30K - Husbands name

Unsecured Loan £27.5k Wifes name

Other unsecured debt £12.5K - wifes name?

House value £150K

 

I am surprised that NR have passed over the secured loan to a DCA, but thye are one of the most aggressive creditor around.

 

There will be no agreement under the CCA as it is over £25k, there will be some sort of agreemnt obvioulsy though/

Consumer Health Forums - where you can discuss any health or relationship matters.

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Well if they have negative equity then Bankruptcy may be an option. They would have to consider selling their beneficial interest in the property, you can do this under the low cost transfer scheme. The beneficial interest is sold to someone else for £1, this means that the property would not be disposed of by the Official Reciever.

 

What Will Happen to my Home

 

I think it would be important for them to seek some professional advice before deciding on what to do next.

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Ok so what they have is - is this right?

Mortgage around £120k - Joint names

Secured Loan £30K - Husbands name

Unsecured Loan £27.5k Wifes name

Other unsecured debt £12.5K - wifes name?

House value £150K

 

I am surprised that NR have passed over the secured loan to a DCA, but thye are one of the most aggressive creditor around.

 

There will be no agreement under the CCA as it is over £25k, there will be some sort of agreemnt obvioulsy though/

 

Mortgage £150k

secured loan £30k

Unsecured £27k

other debts actually only came to a few hundered and she offered them all £5 a week which they accepted

ALL IN HUSBANDS NAME.

 

They are managing the mortgage and arranged all the other debts today...with my help :)

 

However Link are being a real pain in the XXXX she put him on speaker phone he was very abrubt and not very sympathetic :mad:

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If he was to go bankrupt, no need for her to, if they are all in his name could they then afford the secured loan and mortgage comfortably without getting further into arrears?

 

Sequenci will know more on this, but I am not sure how you stand when a secured loan has gone to a DCA, not something I have come across. I am wondering if NR have passed the wrong one over to the DCA and it should have been the unsecured.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Oh and her husband rang the national debt helpline and they said if they want to keep there house then bankrupcy isnt an option. They dont want to lose there home as the children are really settled in school.

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Oh and her husband rang the national debt helpline and they said if they want to keep there house then bankrupcy isnt an option. They dont want to lose there home as the children are really settled in school.

 

 

As there is no equity then this is wrong.

Could they afford the house without the other debts. How much are they paying at full rate on the mortgage and secured loan?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Oh and her husband rang the national debt helpline and they said if they want to keep there house then bankrupcy isnt an option. They dont want to lose there home as the children are really settled in school.

 

Did they inform the NDL adviser that they had negaitive equity? Do they actually have negative equity? If they do then Bankruptcy *could* be an option.

 

I'm puzzled why a secured loan would go to a DCA, is it registered at the land registry?

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Yes they do have negative equity, he did tell ndh advisor this.

Yes they can manage mortgage and other debts now they have all been reduced, obviously it will still be a struggle but she said they will manage, so there is only link to deal with.

 

they are not sure if registered with land registry.

 

Is it worth sending a cca request?

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Was it definately National Debtline they called? There are LOTS of firms who have VERY similar names who will try and sell them something, The OFT are investigating the similarities. I'm just suprised as I know the training for bankruptcy is very, very good and the adviser should have known that bankruptcy could be an option :confused:

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Yes it was I gave them the number 0808 808 4000 is that right?

 

She has just rang northern rock to find out what debt was passed to link.

 

They said it was a personal loan that went to court and got a charge on the land, it then got passed to Link

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Yes they do have negative equity, he did tell ndh advisor this.

Yes they can manage mortgage and other debts now they have all been reduced, obviously it will still be a struggle but she said they will manage, so there is only link to deal with.

 

they are not sure if registered with land registry.

 

Is it worth sending a cca request?

 

But the point is they are not managing if they are paying the mortgage short, and the secured loan. How long can they hope to carry on like this? Will their circumstances change over the next year? Wil they be earning more to catch up. Each month they are paying below the amount of the mortgage they are increasing their debt. Juggling and lower payments are only good for a very short time.

Consumer Health Forums - where you can discuss any health or relationship matters.

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But the point is they are not managing if they are paying the mortgage short, and the secured loan. How long can they hope to carry on like this? Will their circumstances change over the next year? Wil they be earning more to catch up. Each month they are paying below the amount of the mortgage they are increasing their debt. Juggling and lower payments are only good for a very short time.

 

She said NR was considering changing them to a fixed rate instead of the variable.

 

I never thought about that gizmo, I`ll have to tell her.

 

I suppose it would be better if they went and rented at least they would get housing benefit if they were stuck.

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