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    • I was looking for advice. I have no money. This has been dormant for several years as you can see on Page 1. Am I better to go to mediation, or to carry on and fight the case ? They still have not provided the documentation I requested ? With coronavirus can I email a scanned N180 ?
    • See the document in the following link. Parts 2048 and 2049   https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/864939/admh2.pdf   By declaring the capital asset correctly, you are then enabling the disregard action to take place.n
    • Hi DX,   Thanks for your time and advice.    I really cant remember if / when it was defaulted etc because 20yrs ago my finances were a bit of a mess. I thought I finally cleared everything just with deals with collectors and one debt did go to court and I had a CCJ which I paid in full and is about 9 years ago and no longer on my file.   I started to live in another country for about 10 years and have been back in the UK now for 6 years so I was surprised to see this suddenly crop up on my file a couple fo days ago.   I've attached a pdf with 2 screenshots of Credit Karma screens, the left screenshot is my front page showing the alert for the Halifax and the screenshot shown on the right is how they listed it, almost as if its a live credit card except the Credit Limit shows as £0   Do you know if when I write to them, are the obliged to remove it from the credit ref agencies or will it be on there now for 6 years?   Thanks again for your help Pip credit report.pdf
    • Just a question details below is the filing history  A claim was issued against you on 02/12/2019 Your acknowledgment of service was submitted on 04/12/2019 at 20:28:57 Your acknowledgment of service was received on 05/12/2019 at 08:05:28 Your defence was submitted on 14/12/2019 at 11:45:17 Your defence was received on 16/12/2019 at 01:21:14 DQ sent to you on 15/01/2020 DQ filed by claimant on 04/02/2020 You filed a DQ on 13/02/2020 Your claim was transferred to XXXXXX on 13/02/22020   It states the claimant must pay £55.00 by 19th May and if not the claim will be struck outwith effect from 19th May if the pay the fee the case will be held on 16th June 2020 its states in the letter under section 6, each party must deliver to the other party and to the court copies of all documents on which that party intends to reply at the hearing no later than fourteen days before the hearing.   We think they will pay the £55.00 thinking we may not attend and they get the claim on default not the case we will be fighting all the way     It states in the court papers    The following directions apply   Each party must deliver to the other party and to the court office copies of all documents on which that party intends to reply at the hearing no later than 14 days before the hearings    The original documents must be brought to the hearing   The judge may refuse to consider the documents or take it into account if a copy of it has not been sent to the other party as required by this order   The documents must be sent to the other party and the court must include the statements of all witinesses   So our questions    Copy of all paperwork must be sent to all parties 14 days before the court date ( 2nd June 2020 ) if the claimant fails to pay the fee on 19th May will the case be cancelled as of the 19th May ?      
    • I understand this has dragged on the years, we have tried every thing to resolve this matter, the other party has said they are not interested in talking they confirmed yes we have repaid over the years £13k but they want the full claim amount, the last words were in fact see you in court once we have the CCJ we will have bailiff collect everything you own plain and simple.   My question is we are fighting this and submitted the follows:     A claim was issued against you on 13/03/2020 Your acknowledgment of service was submitted on 24/03/2020 at 19:25:51 Your acknowledgment of service was received on 25/03/2020 at 08:05:23 What is the latest date the defence can be submitted online, is it 14 days from the 25/03/20 = 8/04/20 or 28/04/20    Our defence is based on 2 counts    1, Statue Barred  2, Promissory Note not Executed as Deed and no Consideration taken into account
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Angel_lover240

Trying to trace information regarding old secured loan with Cedar Holdings Limited

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Hi

 

I am the executor for my late mother's estate and we are in the process of selling her house.

 

We have hit an obstacle in that there is a secured loan which was paid off in the early '90s

but it is still listed as outstanding on the title deeds.

 

The loan was with Cedar Holdings Limited,

which is now a dormant company and comes under Black Horse Finance Management.

 

I have called them today and been given a number for their secured legal department in Cardiff,

but the number is constantly engaged.

 

We are trying to get proof that the loan has actually been repaid,

can anyone give me any advice on the best way to take this forward,

apart from trying to call them constantly?

 

Any help would be greatly appreciated!!

Thank you!!

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Email/ Special delivery snail mail ?

 

I will ask others on the site team if they have any ideas as well.


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

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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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Thank you - the solicitor has tried writing but had no reply as yet.

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Have left a message for others on the site team, I am sure someone will have an idea :)


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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what evidence do you have its paid off?

 

was it via a bank account

and who with

 

for sums of that nature

banks usually still hold data

 

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, the whole DCA industry would collapse overnight.

 

 

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Hi

Although this was a loan secured on the house,

I think it was a loan my father had for a car or to pay off other debt.

 

He didn't have a bank account, but I have managed to find the payment books where he had paid in cash monthly at the bank.

 

Then when the loan period was at an end, Cedar Holdings had sent a letter to say that although the loan period was ended, there was still £112.13 outstanding.

 

The last counterfoil in the payment book is filled in with that amount in my mother's handwriting,

but has not been stamped by the bank and I think that she may well have sent off a cheque for that final payment.

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why don't you contact land registry

 

see what they say

you have proof.

 

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, the whole DCA industry would collapse overnight.

 

 

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Hi

I have re-read the email that the solicitor sent to me when Cedar Holdings and this loan were first mentioned.

I had assumed that I was trying to find proof that the load had been paid off,

 

but this is what the solicitor said to me:

 

"There is one document that I do not hold in the bundle of title deeds that you provided,

that is the legal charge dated 12 June 1984 with Cedar Holdings Ltd.

 

The list of documents that I have states that this charge has been paid off in full,

however I anticipate that the buyer’s solicitor will ask for evidence of this.

Please can you confirm whether you hold a copy of this document?"

 

So what would this document be like

- just the original paperwork for the loan that was taken out signed by my parents??

 

Thanks for any help - much appreciated!!

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no proof it was paid off from CH.

 

 

I think its time you sent them an sar.

somethings not right here

I wonder if CH added unlawful fees at some point

and this is the extra they were after.

 

 

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, the whole DCA industry would collapse overnight.

 

 

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Thanks for your assistance with this!! Can I do a SAR on behalf of my late mother? Would I need to send a copy of the death certificate/grant of probate?

 

Thanks!!

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you can.

 

 

simply include legal proof you are entitled to yes.

 

 

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, the whole DCA industry would collapse overnight.

 

 

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Only copies - do NOT send originals :)


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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Only copies - do NOT send originals :)

 

I have exactly the same problem with Cedar Holdings.

 

 

My loan, of which I have no memory, was apparantely taken out in 1982 through Nationwide BS.

Nationwide have come back to me with a copy of a letter from CH legal dept dated 1984

referencing this loan and that is the only documentation I have seen

apart from a Nationwide form completed by Nationwide showing details of an advance on my mortgage from them

but referencing CH. This mortgage has been paid off.

 

I have asked Nationwide to look into it for me but they have threatened to send the title deeds to CH

unless I provide proof that the loan has been paid off.

 

Are CH part of Blackhorse as I need to write to them asking them for a statement to that effect.

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Hi

Sorry for delay in replying.

 

 

Yes Black Horse Finance are 100% shareholder of Cedar Holdings,

 

 

I have found them really helpful when speaking to them,

 

 

the only issue obviously is the length of time that has passed

so they don't necessarily have records of loans that have been paid off.

 

 

I called their Customer Service department on 03448 248 888 in the first instance,

they have some archives of Cedar Holdings files.

Good luck!!

 

Angel_lover240

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Thanks for that. I have contacted BH using that number and hopefully the person I spoke will sort this out, she did sound quite efficient. I will keep you informed of progress.

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