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    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
    • Makes the cost of the battery even worse  
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mooshy

No idea who has a charge over my house ?

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We bought our home approx. 11 years ago through the old Homebuy scheme

through a housing association called Beth Johnson.

 

we got given a 25 % loan which is repayable at any time in the future,

and whether the house increases or decreases in value they have a 25% return upon sale .

 

We still own the property but its legaly called a charge or something .

 

We put a biggish deposit down ourseleves .

 

The house is worth approx. £170k now and the mortgage is around £60k

 

we are divorcing and I need to contact Beth Johnson to ask them legally

if I can ever transfer this to another property

and at least inform them that divorce is in progress

and I may be the sole owner if the Halifax agree .

 

Beth Johnson seem to no longer exist !

 

Every time I google it Sanctuary Housing comes up

- so ive emailed them to ask who on earth has a charge over my property now .No reply .

 

Im a little shocked that I never received any documentation to say Beth Johnson had transferred ownership

or whatever happened to them,, and that I have absolutely no idea who now has a charge over my house ?

 

Any advise would be very helpful ?


Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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You can check with land registry


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Check the Land Registry - there is a small charge for this, but it should tell you who has a charge on your property.

Edited by citizenB
removed incorrect link

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Hi

Thanks for that .

Its £19.50 so I haven't paid it yet will try a couple of other avenues first .

 

 

I spoke to someone in XX which is a big Housing association who bought up lots of the smaller ones - the one who lent me the equity loan being one of them.

 

 

According to them I don't even exist on their records .

I wonder if I should see a solicitor re this ?

There is a fair amount of equity in this home .


Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Cnecking the LR on line for changes on your property should cost you £3, unless they have put it up recently.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Removed incorrect link - please use link provided by WelshMam2009

 

Check the Land Registry - there is a small charge for this, but it should tell you who has a charge on your property.

 

This is not the correct address CitB. This is a private firm who are not affiliated with Land Registry and charge way over the odds for the same servce.

 

The official address is https://eservices.landregistry.gov.uk/

 

I searched my property last week and it cost £3 for the title deeds and a further £3 if you wanted a plan (optional).

 

Hope this helps.

Edited by citizenB

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© 2014 LandRegistry-TitleDeeds.co.uk · Privacy · Terms · Site Map

 

LandRegistry-TitleDeeds.co.uk is an independent supplier of Title Documents and Conveyancing Searches. We are not affiliated with the HM Land Registry.

 

Land Registry Title Deeds

 

 

warning not an official Land registry site


:mad2::-x:jaw::sad:

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This is not the correct address CitB. This is a private firm who are not affiliated with Land Registry and charge way over the odds for the same servce.

 

The official address is https://eservices.landregistry.gov.uk/

 

I searched my property last week and it cost £3 for the title deeds and a further £3 if you wanted a plan (optional).

 

Hope this helps.

 

My apologies, I dont know how that was saved into my favourites list ? I have removed it and also the link in the thread above to avoid others being led to the wrong place.


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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