Lloyd sell 10yrs old Loan debt with CCJ/CO to Link - no-one has any records!!

[cruzhughes]

Did not defend cos I only found out about that and many other things in 2015. The only reason I found out about this CCJ as I was digging through lots of other stuff and found a copy of an old 2006 credit report in a different company’s SAR paperwork and it was on there.

 

LR don’t hold anything I applied for official copies my deeds now say

 

3 (24.08.2006) Equitable charge created by a final charging order of the Brighton County Court dated 7 July 2006 in favour of Lloyds TSB Bank plc.

 

NOTE: No copy of the Equitable charge referred to is held by Land Registry.

[AndyOrch]

Yes well it would have been transferred to Brighton for enforcement of the charging order....Northampton only issue default judgment.

 

Northampton will have copies of the claim and judgment.

[cruzhughes]

Shall I email them or ring them?

 

when I went digging on it before Brighton told me this

 

Charging orders are usually taken out in the court where the property is so you will need to contact County Court at the email address below. You should give them the name of the Claimant/person who took out the charge, if you know it, and you may have to provide some form of ID to prove your identity before any information can be given to you.

 

Local court then told me There was something on the court computer for roughly same date as charge was placed but they can't open the file as it's so old?!

[AndyOrch]

Email or ring....You will need the claim number...but worth giving it a go .....but dont build your hopes up... it is 13 years old....and nothing you can do to alter it.

[cruzhughes]

Will do. I can’t understand why I didn’t go there before? Maybe it was because I done what Brighton told me.

 

I’ve got the claim no so that’s ok

 

can you have a look at the order in post 90 please Andy

[cruzhughes]

This ok for court

To whom it may concern,

I am writing to you today concerning an equitable charge that, Lloyds Bank registered against my property on 26/08/2006 at Brighton county court Ranking 3rd on my Land Registry Title Deeds.

As it stands after applying for official copies

• Land Registry have confirmed they don't hold a document copy

• Brighton court have confirmed they don't hold a document copy.

• My local county court (xxxxx) have confirmed they don't hold a document copy

• Lloyds Bank don’t hold a copy

The property this was registered at is xxxxxxxxxxxx

I have been advised to seek further information from yourselves as I am unaware how this judgement has occurred.

I hope you are able to provide further information on this with a matter of urgency.

I thank you for your time and look forward to hearing from you within 14 days.

Regards

[dx100uk]

pers I would ring northants bulk Monday, though they tend to be very busy early on Mondays.

ask for a copy of the claimform and the CCJ by email pdf.

 

reading through the thread

whatever happened to the ppi refund, it was very low compared to wht you shold have gotten, and ofcourse that should come off the outstanding balance which is why, if my memory is correct we hoped the refund would be greater than the value of the CO...equals shouldn't now exist?

[cruzhughes]

The ppi was paid directly to me.

Debt was sold during the claim

I will get on to them. I’m dont think link will be able to do anything in regards to this with it being so bloody old.

But Lloyds shouldn’t be named on anymore should they ? link should??

[dx100uk]

as andy says and I said earlier it makes no diff, its easy for link to get it done, same as prime did on your other thread.

 

it would be interesting if you were to phone Lloyds and tell tem you want to pay it off please can you put me through to the correct department...

[cruzhughes]

Actually I wrote to Lloyd’s again the other week as id been speaking to mortgage advisor with regards to remortgage, asking them if they could not substantiate charge remove it. If they could would they agree to a deed of postponement.

 

He advised that welcome/Prime would probably not consent unless they were paid off.

 

So I’m waiting on a reply off Lloyd’s on this anytime now. Cos if they say no. Then I would seriously have to look at adding everything including prime in. Now with prime getting a settlement figure is going to be more tricky. :roll::roll:

[cruzhughes]

Received this from link Lloyds must have forwarded my letter direct to them. 

Whats your thoughts?? Doesn’t seem to me like they have any proof?? 

I still cannot upload ant attachments so will email you 

[cruzhughes]

What’s interesting is they say account was defaulted 1999.  But charge wasn’t placed till 2006.

i wonder what happened to the 6 year rule?? 

Link_4th_March_.pdf

[dx100uk]

so no-one has any records at all but the charge is still there...wonderful

[cruzhughes]

I’ve rang the court a few times no luck getting through. I am waiting for an email response any day now.

this is just crazy! 

You think link would have applied to the court for proof  not tell me too.. seeing as they think they are owed the money 

[cruzhughes]

Good morning,

 

Thank you for your email.

 

Please note your case has been transferred to the County Court at BRIGHTON.

 

As we no longer hold this case at the County Court Business Centre, I am unable to take any action or provide any updates in relation to this claim and you will need to forward your email to the relevant Court to be processed.

is it me or am I just going around in circles?? 2016 I got in touch with Brighton and they said I need to get in touch with my local court. Which I did.. 

Edited March 9, 2019 by cruzhughes

[cruzhughes]

Reply from Brighton

 

Dear Sir,

 

Thank you for your email, unfortunately as previously stated due to the nature of the case being very old we no longer have the file and it was before our electronic records began. We suggest you contact the claimant who may have retained some documents regarding the case. 

 

Kind Regards,

 

 

Im banging my head against a brick wall 

[cruzhughes]

From Brighton after me sending this 

Thanks for the reply,

 

The claimant holds no documents either. 

I have been everywhere to try and track this information down. 

 

As I stands I have a charge on my property which could cause problems if I wanted to remortgage or sell. But no one holds and proof. 

 

Is there any further advice you could give about removal of this charge please 

 

Dear Sir,

 

Thank you for your email, we believe that the land registry may hold documents relating to this case as it may be registered with them when the final charging order is made. We suggest you contact them for more information.

 

Kind Regards,

 

The land registry don’t unfortunately. After I had applied for official copies they then updated the register to state this this back in 2016.

Dear Sir,

 

Unfortunately we are unable to provide any further documents to what the land registry have provided due to the file being destroyed.

 

Kind Regards,

 

Still no closer 

Edited March 20, 2019 by cruzhughes