Slater Hogg/ Countrywide

[heather79]

hi all, i hope this is the right area to post this in.

 

i had previously out my house on the market with Slater Hogg and it didn’t sell. i didn’t realise they were charging me £120 every 3 months to advertise it and when i realised this i took my house off the market and was charge a further £240. now the exit fee and reoccurring fees were never explained to me by the estate agent, and i was to read the small print. as i had run a bill of £940.

 

I offered to pay back £50 a month. i have had to drop my monthly payment to £10 a month for the next 3 months and advised the company of this and stated i would have this money paid back by next December 2014 (which it would be at £50 a month).

 

i have now been threatened with a court decree and my debt has now been passed onto the legal team and they have to proceed with this, i am absolutely gobsmacked with this response and im disgusted, i will be putting my house back on the market January 2015 once ive got the debt clear but ill never be able to get a mortgage with a court decree on my record, especially after i have offered to have the debt paid back.

 

Can someone please help with this .....I havent missed a payment to them yet

Edited October 31, 2013 by Andyorch
Paragraphs added

[heather79]

this is there response to me.

 

Thank you for your prompt response however I am unable, as previously indicated by my colleague, to accept your reduced offer of payment out with the security of a Court Decree which will incur Interest & Judicial Expenses. I would suggest that you seek your own independent legal advice as you appear to have been mis-informed on what we as a company must accept as repayment.

 

Based on your response I have, today, instructed, our solicitors, Halliday Campbell to proceed with litigation at which time you may apply to the court for a time to pay order and provided that it is a reasonable offer of payment, in conjunction with your income, we will not oppose.

[AndyOrch]

Are you in Scotland heather?

 

 

Andy

[heather79]

yes i am

[AndyOrch]

Ok thread moved to Dealing with Debt in Scotland forum.

 

Requested further input from our resident Scottish experts

[citizenB]

How much of the debt is left to pay ? It does seem to be a rather spiteful move on their part ?

[heather79]

£670, i only started paying it back at the end of july after complaining about the service i received from them in the first instance. i havent defaulted on a payment and was polite enough to let them know what was happening and the reassurance it would be paid back by next december 2014 as it would have been by £50 a month. its not worth it the dent it would have on my credit history to default the payments.

[maroondevo52]

It looks like they have acted on your reducing the payments from the £50 per month to £10 are you sure they know you are going to be paying £50 per month, as they state the are

unable to accept your reduced offer of payment.

[heather79]

yes i have clearly stated the reduced payments would be for Oct, Nov and Dec, with the payment going back up to £50 in january with the intention of having the debt cleared by December 2014. i could have left it and they probably wouldnt of even noticed i had reduced it im so angry after the carry on i had with them in the first place.

[maroondevo52]

Is there no way you could go back to the original £50 a month, to avoid the Decree it looks like you may have to do this as they don't seem happy with the £10 a month.

[heather79]

i dont think so shes already passed it on to the legal department, i dont have the extra £40 to pay it for the next 3 months and tbh her attitude was disgusting, i think i would rather deal with the legal department than her. im in the process of trying to a loan with my credit union to pay them off, the whole expericne ive had from them is disgusting between the estate not explaining there was get out fees and the re occuring advertising fees, i just want rid of them now and not being held to them in any way.

[maroondevo52]

heather,

 

A loan from the Credit Union would be the way to go, I know people say never take out a loan to pay another debt but the Credit Union loan will be a whole lot cheaper than you would get from any Bank and avoiding the court Decree in the process is a huge bonus.

 

I know where your coming from, when your down some people people don't give a jot whether the kick you or not.

 

You could always try the £50 offer with their Legal Department even if you had to borrow from the credit union the extra £40 a month for the next 3 months.

 

I hope you get something sorted, please come back and tell us what the score is when you know.

 

Good luck with that.

[sequenci]

Just a quick question, have you other debts too - or is it just this one?