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    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks,  Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
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Santander mortgage


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My partners ex husband took out a mortgage with abbey national 24 years ago ,

my partner moved in and her ex was working away

 

, they split a year later and he emigrated,

my partner carried on paying the mortgage from her bank not knowing it was an interest only mortgage, the lump sum is now due and we haven’t got it ,

 

we’ve phoned Santander and because of data protection they won’t discuss it with her , she has lost touch with her ex and all we know is he is in the USA somewhere,

 

what can we do ?

They won’t tell us if they are going to repossess the house or not

Edited by dx100uk
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Start looking for somewhere else to buy or rent and move out...she is not liable for the mortgage... not party to the agreement...only the EX

 

 

Andy

We could do with some help from you.

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So her name is on the mortgage agreement ?

We could do with some help from you.

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Didn't think so...so she has effectively been paying the mortgage for the ex for the last 24 years...she has no legal claim to the property.Plus side is she is not liable for the capital when they do repossess...they will go after the ex...if they can trace him.

We could do with some help from you.

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You would have to speak to Santander and inquire.... firstly could you get a mortgage and secondly explain what has happened...but from a Legal point...she does not exist...not on the mortgage...not with the land registry...in effect she has been squatting for the last 24 years...may be prudent to consult a Solicitor before even approaching Santander...possible rights as common law wife....and as already advised start looking for alternative accommodation.

 

They will want the Capital at the end of the term and they will repossess if not paid.

We could do with some help from you.

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Lets hope they will be prepared to add her to the mortgage account in view of her payments history...I would still check it out with a Solicitor and secure you legal position.

We could do with some help from you.

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Just a bit of an update ,

we were digging around in the loft trying to find old paperwork and we came across some paper from abbey national with my partners and her ex’s name on them regarding the %rate for first time buyers that they both had to sign ,

yet Santander say they can’t find a trace of her ,

 

could there have been a clerical error when abbey national were taken over ?

I understand it doesn’t alter the fact that we owe them the £30k initial sum

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Well at least she is on the paperwork...so thats a positive.....now you can start to negotiate options to extend or refinance

We could do with some help from you.

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Might be worthwhile doing a check on the The Land Registry also to see if shes on the deeds.

We could do with some help from you.

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Excellent.....now see what Santander are prepared to offer.

 

Most are only able to offer a further 7 years max extension if you were to convert it to Interest and Capital...so you may have to look at a total remortgage elsewhere

We could do with some help from you.

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My partners spoken to Santander this afternoon and they’re still saying they can find no trace of her ,what I don’t understand is if they have no trace where have the payments been going to and why has it taken them 25 years to try and make contact with her ex ? Surely they’d have tried to reposses the house before now ? They said the land Registry is no proof she has a mortgage with them even though they’re named as lenders on the document with her name on it

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Can they find trace of the account...and where and from who the payments have been coming from ?

 

You have the statement with both names and account number informing you of an interest increase.

 

The Land Registry is conformation of joint ownership of the property...which their mortgage is secured against...which they are named as lenders to the names on the deed.

 

There was a lot of information lost when Santander merged with Abbey National...we see it all the time on Bank Accounts and Credit cards.

 

https://www.google.com/search?q=a+lot+of+information+lost+when+Santander+merged+with+Abbey+National&oq=a+lot+of+information+lost+when+Santander+merged+with+Abbey+National&aqs=chrome..69i57&sourceid=chrome&ie=UTF-8

We could do with some help from you.

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They’ve asked to take all the information we have to a branch and they will fax it to the main department, the problem we have is that we don’t know what’s going on as they won’t talk to her , there has been no mail for her ex delivered to the house , the first we knew of a problem was when someone from s company called resolve came to the door looking for her ex , for all we know they could reposses the property next week when we are away on holiday

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