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      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
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      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
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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

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

 

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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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