Jump to content


mooshy

No idea who has a charge over my house ?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1341 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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

Share this post


Link to post
Share on other sites

You can check with land registry


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Share this post


Link to post
Share on other sites

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

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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites
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

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Share this post


Link to post
Share on other sites

© 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:

Share this post


Link to post
Share on other sites
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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...