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Thanks for that...Just had my xray result...A shadow on one of my lungs that's all I need.

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Has anyone been billed for Council Tax when a house is repossessed has been sold in the disbursements?

 

We informed our local council of the repossession and where we'd be living after the eviction took place.

 

We had a letter back in March regarding the new Council Tax year and where we were living and we are paying council tax for this property.

 

We completed a form again

we know that the property we left has exchanged contracts etc 12/05/14

although nothing official from the mortgage lender just from an email I sent to the estate agents.

 

I rang my local council today and they told me that My Husbands name is still on the Bill for that address

and no one has informed them of a name change.

 

I know Mortgage lenders get an exemption but if this runs out I presume the persons evicted gets the bill for each month added on to the disbursements.

 

They advised at the council to write in and inform them but as we haven't offically been told the property has been sold yet

we were thinking it's admitting to anything we'd owe on the shortfall.

 

I don't live far from it so when I've passed it the other day there was someone in the house.

 

The mortgage lender has a money judgement in place to restore at liberty so if my local council have billed for April/May

they could include the whole of may instead of 11 days in this.

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I just wondered how long the process of transfer of title takes at the land registry with a repossessed property?I've emailed the land registry and they said it takes 2 weeks when a property is sold but I see that Mine and My Husbands names are still on the title of our former home and it sold on 12th may 2014.

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Is it correct that when your property is repossessed you don't own it any more?Although the person named on the deeds is billed each month for arrears and when it's sold all the other costs.Something was said to me in conversation yesterday which from an 'independent' point of view I felt was very unprofessional and judgemental.

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Is it correct that when your property is repossessed you don't own it any more? - That was my understanding - repossession means that owneship has been returned to the mortgage provider.

Although the person named on the deeds is billed each month for arrears and when it's sold all the other costs. - Yes, the borrower would still be responsible for any arrears and other costs.

 

Something was said to me in conversation yesterday which from an 'independent' point of view I felt was very unprofessional and judgemental.

 

Would you like to share what was said so others could advise ?


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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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This was said to me in a conversation with an Adjudicator from the FOS service

 

regarding My complaint about the property I had repossessed and has recently been sold.

 

I was referring to the greatly reduced sale price and that I haven't been informed of the sale price.

 

The Adjudicator said they don't have to tell me or keep me informed as I didn't own the property when it was repossessed.

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They might not need to keep you advised during the sale process, but if they come after you for a shortfall they will need to be able to prove how they marketed the property keeping your best interests in mind and achieved the best possible price.


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just received the shortfall for my mortgage

 

the shortfall is £23,692.56p.

 

I've a complaint which has been forwarded to the FOS regarding the the sale price and it's going to the ombudsman .

 

They want the money as soon as possible.

 

do I send off the the letter to my former mortgage lender not acknowledging the debt.

 

the property sold on 14th may 2014.

 

Do I ask for all the info on how the property was marketed etc.first?

 

Do I ask for the debt to be written off?

 

the debt is the balances of the secured loans with the same property with the same company

 

They do have a money judgement in place on the repossession order.

 

do I request any info if my complaint has gone to the Ombudsman or do I wait.

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just received the shortfall for my mortgage

 

the shortfall is £23,692.56p.

 

I've a complaint which has been forwarded to the FOS regarding the the sale price and it's going to the ombudsman .

 

They want the money as soon as possible.

 

do I send off the the letter to my former mortgage lender not acknowledging the debt.

 

the property sold on 14th may 2014.

 

Do I ask for all the info on how the property was marketed etc.first?

 

Do I ask for the debt to be written off?

 

the debt is the balances of the secured loans with the same property with the same company

 

They do have a money judgement in place on the repossession order.

 

do I request any info if my complaint has gone to the Ombudsman or do I wait.

 

The letter linked below is a request for all the information that you require surrounding the repossession and sale of the property.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387500-Mortgage-shortfalls-Request-Breakdown-of-balance-owed

 

Yes, even though you have a complaint in with the Ombudsman, you can still request information from the lender.

 

Did you send a Subject Access Request to the Lender ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The letter below is a request that they write off the shortfall debt.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387499-Mortgage-shortfalls-Please-write-off-the-debt


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I haven't sent a subject to access letter should I do this first?All I have from them is the funds stated from the sale then the balances of the secured loans.No details at all.

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yes pes i'd always gather as much info about a situation as you can

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I've sent off a letter requesting subject to access with £10.00 fee.

 

Do I now sent back a letter one of the letters not acknowledging the debt etc?

 

before I receive all the other info?

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Anyone out there who can tell me do I know send off the letter to not acknowledge the short fall?

 

before I get the Subect to access info.

 

My former mortage company have cashed the £10.00.

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can anyone advise

 

if I now send the letter not acknowledging the shortfall before I receive the subject to access info

as the mortgage lender has a money judgement in place to restore at liberty and pursue in the courts?

 

Also I've checked on the land registry and mine and my husbands name still appear on the leasehold

along with the local council whom we had previously paid the ground rent each year.

 

I contacted the local council when we received a bill when the house had been sold in May.

 

The council said we weren't liable for paying this and to ignore it.

 

The names have been changed to people who bought it.

 

I presume it's cash buyers as no mortgage lender on it.

 

So who changes the leasehold info on a property?

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My late Mortgage lender took repossession on the freehold title land which the property didn't sit.

 

they didn't take into account the leasehold which the property stands as mine and my husbands names are still on the leasehold.

 

I've checked with the Land registry the new owners are listed but the leasehold doesn't have their names but mine and my husbands.

 

the Land Registry have just told me to inform the mortgage lender but as I'm in dispute I'll leave it for them to find out.

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Found out that the lease was incomplete at the Land Registry and that an indemnity policy was taken out.

 

Land Registry have told me that our names will remain on the lease unless the lease details are changed.

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Received the Information from the 2 surveyors who valued the property.

 

One survey in the part which states anything that can affect the property

and it turns out that they took advice from my ex next door neighbour regarding when I bought it from the council.

 

This statement is in the part of the survey which is incorrect and frankly has left me seething with anger

that a Professional Person would take a here say comment as the truth and add it to the comments regarding the property.

 

I have a complaint in with the FOS and they keep quoting in conversations to me that only Professional Surveyors etc

are used where does a comment from a neighbour become part of a legal documentation when a Survey is being done?

 

Who do I complain to regarding this?

 

They haven't left the surveyors name on the survey blanked it out.

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Received the Information from the 2 surveyors who valued the property.

 

One survey in the part which states anything that can affect the property

and it turns out that they took advice from my ex next door neighbour regarding when I bought it from the council.

 

This statement is in the part of the survey which is incorrect and frankly has left me seething with anger

that a Professional Person would take a here say comment as the truth and add it to the comments regarding the property.

 

I have a complaint in with the FOS and they keep quoting in conversations to me that only Professional Surveyors etc

are used where does a comment from a neighbour become part of a legal documentation when a Survey is being done?

 

Who do I complain to regarding this?

 

They haven't left the surveyors name on the survey blanked it out.

 

 

See what the ICO have to say about this. http://ico.org.uk/concerns/getting


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just been through the info sent from the mortgage lender.

 

I've looked at all the statements for the Mortgage and secured Loans dated for july and all the balances are showing 0.00.

 

I've looked through the statements and I see wording of "written off"

 

These are detailed just 2 weeks after the property sold

 

but I received a letter in June demanding the short fall which was a short worded letter.

 

I have a complaint in with the Ombudsman regarding the valuation and the price it sold.

 

Is this something that they can do.

 

I told the FOS that they'd have no chance of me paying off such a large amount.

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They've probably passed it on to a debt collector so it's not on your account with the mortgage lender now.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I've no letter from a debt collector as yet but they did have a money judgement in place to restore at liberty at each court hearing.

 

So do I wait for them to contact me?

 

they didn't have any indemnity insurance that they've claimed off

 

they've told me that in the information I received.

 

My husband and Myself are technically insolvent

 

we've been advised to go Bankrupt but not the two of us together.

 

I know the joint debt of the property would be passed to me if My husband did this first as he has the most debt out of the two of us.

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