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Northern Rock Charging Order - please need help cannot complete house sale


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I hope someone can help.

 

Unsecured Loan taken out with Northern Rock in 2001 at time of Mortgage

Moved house, changed Mortgage provider in 2004

Northern Rock issued Charging Order in our absence (sent to old address) in 2005

NR sells debt to unscrupulous DCA in 2007

DCA chase hound threaten harrass bully

We make payments each month ask for proof of debt, statements etc - they will not comply

Land Reg still show NR have the Charging Order

NR state they no longer hold the debt

Selling house now - what do we do ? cannot complete sale

DCA cannot prove they own the debt will not speak to our solicitor

 

Please please help

 

Thanks Marianne

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Who have you been making payments to (it is OK to name the company if you wish - there may be others with similar experiences) and asking for information?

 

The most obvious means of obtaining the information would be a Subject Access Request to whoever has been collecting payments as you should receive full details of all dealings including statements.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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you need to investigate the org CCJ

 

if you knew NOTHING about it

 

then there MIGHT be cause for the whole lot to be removed.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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