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    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
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    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
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Reposession Order, Sale Broke..Now what?


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Dear all,

 

My story is not any different from rest of the fellow members. In chronological order things went in order of :

 

1. Self employed- Mortgage outstanding £167,000, one secured loan, and one charging order from Barclays.

2. December 2006 - Suspended Charging Order, I agreed on repayments and paid until November 2007.

 

3. Business went down since August 2007 and could not make any payments after November 2007.

 

4. Wrote to lender HBOS, to reduce the payments for six months. Never received any reply.

 

5. January 2008, received letter from HBOS that they would commence legal action for eviction.

 

6. February 2008, received letter from HBOS Solicitors demanding the outstanding amount approx. £5600.

 

7. March 1st week, received Eviction Letter from Court and the solicitors.

 

8. Eviction date March 28th.

 

9. I managed to find buyer and HBOS stopped the eviction. Completion date March 27th.

 

10. Completion could not be complted on 27th March and my solicitors issued 2 weeks notice to buyer's solicitors. Just learnt yesterday from my solicitor that deal is no more as buyer's mortgage lender backed off.

 

11. Now what ?

 

I want to keep the property as I have primary school going kid. Cant move anywhere else so quickly if HBOS takes another eviction order.

 

I have £2000 that I have from my recent order. I offered this to HBOS but was turned down yesterday. My business situations have started getting better. I ample orders to survive for good period and am positive to receive more and more orders in the long run.

 

What should I do now to stop this eviction. I need to act promptly and your help , needless to say, will be much appreciated.

 

Best regards

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Is this an unsecured debt that has had a charging order been placed on it?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Is this an unsecured debt that has had a charging order been placed on it?

 

Thanks tomterm8.

 

One is a secured loan from welcome finance and the other charge is from FV1 that they took over from my old defaulted barclays credit card account.

 

I would appreciate if a line of action is provided so that I can start moving in that direction.

 

Thanks again for your support.

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Hm... well, which agreement is the house being reposessed on? Is it the (originally) unsecured loan, or the secured loan?

 

How bad are your current arrears?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Hm... well, which agreement is the house being reposessed on? Is it the (originally) unsecured loan, or the secured loan?

 

How bad are your current arrears?

 

Hello -

 

My apologies for not being so clear on the matter.

 

1. The house is being repossessed for the Mortgage Arrears of £6,450. The First and Original Chrage.

 

2. The arrears were £5,600, but HBOS have added this month's payment into it as well.

 

3. I am behind on secured loan (welcome finance) as well, but they are waiting on completion. They refused to negotiate on a reduced payment as well. They provided a redemption figure which included whatever they could add on top of the loan (£22,000 now). The Second Charge

 

4. The third charge is from some company called FV1 for around £3750. They recently have acquired this charge through interim charging order (Feb 2008, just before I started selling the house). The Third Charge

 

The biggest problem at the moment is HBOS, my mortgage lender. I need to stop them ASAP, before they could acquire another Eviction Order from the court.

 

I hope this clarifies the whole situation. let me know please if I am not very clear though.

 

regards

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Once yu get an eviction order you can appy to have it suspended on terms let us know when you get a date and pay what you can we were in your position and we got an order to give us more time to sell dont worry there are loads of people here to help

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Once yu get an eviction order you can appy to have it suspended on terms let us know when you get a date and pay what you can we were in your position and we got an order to give us more time to sell dont worry there are loads of people here to help

 

Thanks very much folks. Sure will let all know about the notice date.

 

My first priority is to keep the house forever or at least until my daughter finishes her school session from the local school (July-August)8)8)

 

I want to prepare a case to show the DJ that now onwards I can afford the mortgage payment and that the mortgage arrears to be added to the outstanding balance.

 

Awaiting your advice.

 

Regards,

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You need to get statements from all three to see what has been added on in penalty charges then you need too make a list of your income and outgoing including the monthly payments that you are required to make to all three can you afford them then you need to write to each one with an offer how much equity is there in your house have a go at looking at your income and expenditure to see what it looks like you can put the arreas over a good long time but what ever you say you must keep to so when doing your expenditure allow for unforseen circumstances

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You say you have £2000 can you explain

 

Yes, as mentioned in my earlier message that I am self employed and this is the money that I have received as advance payment for the upcoming project (in fact the project has already been started this week). Part of the advance payment has been used for some home expenses and £2000 have been put aside for mortgage payment. I hope this explains.

 

BTW I have done I/O sheet from Debthelpuk website. The disposible income is just £200 (Mortgage payment has been considered under necessary expenses in the I/O sheet). Hence I will have £300 only to pay Welcome and FV1, after paying the full mortgage installment. However if HBOS agreed to adjust the arrears in the monthly payment then mortgage payment will go high and I'll have to offset it from the disposible income.

 

Let me know please if I am on the right track to kick start the process.

 

Regards

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You are on the right track. If you can show you can afford to repay the mortgage, plus a small amount towards the arrears, then a judge is likely to suspend the order allowing you more time so sell your home.

 

Why not PM ell-enn for some more advice.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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what are the payments that you should pay welcome finance have you offered FV! anthing

 

Normally I should pay £320 to Welcome and nothing to FV1 since FV1 just got charge on the property. FV1 never have asked for any payments yet. They might start in the future.

 

Does anyone out there have any experience with HBOS where they have included the arrears in the outstanding mortgage amount?. just checking water........

 

Thanks very much all fellow members.#

 

Regards

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Hi, I'm new to this forum and was just reading through your thread. It caught my attention as I met a seasoned property investor a couple of weeks ago at a networking event who explained to me that he bought a house from someone in similar circumstances to you. After talking with judges, lenders etc. he was able to negotiate the charges down, bought the property for cash with a rent back option agreed with the vendor - there was also an option to buy the property back at a later date included in that. If you would be interested in talking to this guy I have his contact details - however as I understand it, the rules of this site do not permit the exchange of contact details, just helpful information. So I'm happy to call the bloke today and explain your situation to him and see what gems of info he has - I will also ask specifically what experience he has relating to HBOS including the arrears in the outstanding mortgage amount.

 

I'll keep you posted.

 

:)

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Intersting Information when we were selling our house we had several offers like that BUT remeber they do not do it for charity they are OUT TO MAKE A PROFIT so BEWARE it might suit but it will cost you but it could be a solution I wouldnt like to Judge untill one has seen all the details

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Dont worry to much about FV! just Budget to pay them something did you budget in Welcome how does it seem

 

Yes, I did. As I said before I have only £300 in disposible income. I need to make payment to Welcome and FV1 from this £300.

 

Shall I start filling in the N** form? (I don't remember the exact title of the form that should be submitted to DJ to stop eviction).

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