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    • Thank you.  Threads that point to success - or to mistakes - are very useful for motorists that will come on here in the future.   What you have done is utter insanity.  Despite being given on a plate two threads where motorists beat Athena in the same week as your case you've gone and handed over money to the fleecers.  It doesn't take much to work out that (a) not handing over money you don't owe to conmen is a better strategy than (b) handing over money you don't owe to conmen then trying to get it back.   The amount was never "going up" from £45 to £90 because it was never £45 in the first place.  It was always £0.  You were being charged for overstaying by eight seconds which is legally "de minimis" ("the law does not deal with trivialities").  You couldn't read Athena's signs anyway as the car park was pitch black!  Etc.  Etc.   Athena's position will be that you admitted the debt (otherwise why did you pay it?)  I hope chargeback goes well but often it's a battle to get banks to carry out chargeback and they will understandably be bemused as to why you paid this money if you thought you didn't owe it.  Bluntly you've just made life a million times harder for no reason.  It's like a football team manager who instructs the players to score two own goals in the first minute and then try to win the game.     That said, go for chargeback and good luck.
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    • An update! I took all the advice, Social media, contacted the cottage direct ( mail and letter) sent an email to the CEO and the UK Director of customer service Booking.com, Halifax re charge back.   Oddly, this morning Kalvin got a text message saying they tried to contact him months ago ( yeah right) offering him a refund or alternative accommodation!!  So, to keep inline with data protection ( that was mentioned in the text) they can only reply to him.   Offered his money back or another date. He agreed to a refund within the next 7 days.   I really appreciate all of your input and I will gladly make a donation to your good work many thanks again,   Paul
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What should happen after repossession


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We sadly had our home repossessed nearly 2 years ago after a long fight.  We had built up a good case but as it had been an All Monies Charge loan repossession was immediately awarded in court. 

My question is this.  I know that our house has now been sold as we still live nearby.  However, we have heard nothing at all from the bank confirming the sale or informing us of any shortfall, or indeed if there are any funds left over.  I am concerned that if there is a shortfall the bank will be continuing to add interest and we will have no idea what the amount is. 

We have sought advice from our Local Authority and CAB and more or less been advised that if we raise the issue with the Bank they will probably say that they didn't have any contact details for us. We did notify the Bank's solicitors once we had settled into our new accommodation (sadly we did not send recorded - my mistake) and I know they have email and phone contact details. 

 Can anyone advise what the Bank are legally obligated to do.  Surely we are entitled to know exactly what they say the end figures are and what they say their costs were.  Should we contact the Bank or are we opening a can of worms.  I wouldn't think there were any funds left over (if there are it would be minimal) but we need to know where we stand. 

Also can anyone advise what the time scale is for the Bank to pursue any shortfall.  I believe it is 12 years but read somewhere that this time starts from the first time the account went into arrears - not sure if that's true.

 

 

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Hi and Welcome to CAG

have you considered sending s D SAR  Data subject access request, this will provide all the information with regards to the mortgage and property sale.

Time limits on shortfalls is 12 years...interest/charges on arrears/capital 6 years.

Regards

Andy

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We received all the paperwork prior to repossession after sending a DSAR.  We know the house has been sold and for the amount it sold for but only through our own investigations.  Just wanted to know if the bank should be informing us officially.  Do they have an obligation to let us know if there is a shortfall and not just keep us in the dark for 12 years.

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Not really because you no longer hold a Mortgage agreement with them...just a shorfall debt which  in most cases is sold off to a DCA at a fraction of its face value.You may eventually hear from a DCA if they ever manage to trace you...but they only have 12 years in which to complete this.

https://www.thisismoney.co.uk/money/mortgageshome/article-1564054/Scandal-as-lenders-claim-old-debts.html

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We have been through this :(

 

We lost our home ten years ago, although we handed the keys back we were 6 months away from loosing the home anyway.

I think they are supposed to get the best possible price for your house. We googled our address at the time and found it online and asking for best offers.

I think they have 6 years were they can add charges but 12 to recover the amount. Apologies if i am wrong on this.

We were told they will be in no rush to chase you as they want you to financially recover so that they can come after you when you have some money/assets

Hope this helps

 

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  • 2 weeks later...

land registry will have the record of who bought it and how much they paid. As it was 2 years ago just go to "rightmove" website, enter the address into the box after you click though the "sold house prices" tab and you will find yours by address, postcode, street name or any other search criteria they have.

If sold at auction the amount will be a very odd amount like £124, 358 as it will include the auctioneers slice. If sold by highest offer or private treaty it will be a more rounded number like £124,500

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