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    • I have a bit of a dilemma my mum paid for a 3 piece to be made, when it turned up  it was the wrong colour so she sent it straight back to the shop this was now 7 years ago, and it has never been resolved, she became ill  and now she has passed it has only come to our attention that no money has been paid back to her or any other resolution made I have tried emailing them and all I got back is they are a reportable company, and they cannot believe that it has not been resolved, then they said they have changed accountants and all there accounts from 2012 are stored away and cannot be accessed, since that email I have tried on numerous occasions to contact them via email but they have not responded  she paid out over £2000 for this and received nothing back where do I stand in trying to get this back now I look forward to your reply thankyou
    • Thought I would put this on here just to help people avoid the situation I have found myself in.   Been on UC for about a year and a half and back in November found a job which pays a measly 14500 per year but of course is still over the UC threshold!  UC despite promising that I would be paid UC in November due to not being paid until the end of November didn't pay up because HMRC notified the DWP before I received my wages, but the main issue is Council Tax benefit which people need to be aware of.   I was advised by both the Council and DWP not to inform them what my income would be because it would fluctuate the first couple of moths due to not starting at the start of November and the fact that I was put on a temporary tax code, so they both felt that they would wait for HMRC to forward the correct figures rather than me "declare a change".  That was my mistake because for the next couple of months I still received an element of Council Tax benefit.   Then a couple of weeks ago the Council on top of three months nil UC award from the DWP asked for my last two payslips and days later I received a Council Tax bill in the region of £145 per month for February and March.  They then requested my latest pay slip and this morning I received a final bill for 2019/20 for which they were taking £363 by direct debit in March.  I can't afford £100 per month Council Tax let alone £363!!  I rang them and put half on a credit card and paid some via debit to bring March's bill down a bit but it will still be a struggle.   My advice is to be totally on top of this with the Council if you go back to work and lose your UC.  If I had fully known I would have paid extra in the months November, December, January so I didn't get walloped for one lump sum in one month but the letters come through thick and fast and aren't the easiest to understand and you could end up to your neck like me!!   To be honest you are "almost" better off on benefits.  "Make Work Pay" the DWP say.  Yeah right!!!
    • So received a big envelope of bumpf from the lovely Lowells today today. Only from one of my 'accounts' the smaller one. Had a copy of assignment letter, a statement and an unsigned copy of credit agreement (signed by them, not me) and paperwork for Tomlin order for the full outstanding amount.    Was halfway through sorting my witness statement 😢🙄
    • we need to prepare Non-guarantor paperwork for you which will cost >>> you >>> £895. This paperwork will act like a guarantor for your loan for >> the >>> whole loan period.  Before we provide this loan to you we need to >> make >>> >>> sure that after you receive this loan we should not lose the money. >> So >>> >>> we have to show to the financial conduct authority that you can pay >>> your >>> repayment on time. >>> >>> So, in this case you are required to pay the Guarantor paperwork > fee >>> of >>> £895 which is just the one-time payment and will be refunded along >>> with >>> your loan amount. Once, you cleared this guarantor fee than we will >> be >>> >>> able to transfer your funds to your bank account within 60 minutes >> of >>> time. >>> >>> Note:- Just because of paperwork your transaction is on hold please >> do >>> >>> this & get your money before 12 today. >>> >>> Regards, >>> Linda Thomson >>> Manager >>> Account & Transfer   what  she has now been told as well as this     Cancellation on this stage of the loan will cost you with 590 pounds >> as >> this amount is been debited from our account,so please do the final >> payment and get the amount sorted for you. >> Your co-operation will be much appreciated.
    • Good. Well done. Now the thing to do is to understand what your losses are if anything. I'm sorry to admit that I don't really understand anything of it that we want to make sure that you don't come out the loser on this. So let's have some of the story. Your car was involved in a non-full accident which apparently wrote it off. It turns out not to be written off at all. What kind of car is it, mileage, model, age – et cetera? On the basis of a write off – the insurance company settled with you for £XXX? The replacement value of the car should be £ZZZ. What are these values, and do you feel that you got the full replacement value? What is the cost of repairing the vehicle now that you know it is not written off? And of course you're dealing with Hastings insurance company who quite frankly I getting a pretty poor reputation around here. If you would find a way to trust pilot and a Google and anywhere else and start putting up the reviews about them and what they are trying to do to you. It's extraordinary that the assessment of its condition was so wrong – and of course in their favour. And it's extraordinary that they "forgot" to let you know about the change in assessment. Well done on picking it up in the first place.  
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Bazza121

Charging Order Registered with Land Registry

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Need some advise on this.

I will try to be brief

 

I discovered by accident when searching my title deeds that there was an entry by Lloyds TSB dated 2009 regarding an outstanding overdraft for a dissolved company that I was a director. I have no notification of this charging order.

As Lloyds TSB no longer exists, I contacted Lloyds to shine some light.

 

They (after some denial of existence) come back with information that this was for the overdraft. 

 

Lloyds say "They no longer have an interest in this debt" and have sold on the amount to Cabot financial.

I have had no contact from Cabot since 2009.

 

I contacted Land Registry to remove the order as the order is in the name of lloyds TSB who no longer have an interest.

 

Land Registry refuse to remove unless Lloyds instruct them to.

Lloyds will not as they no longer have interest and refer me to Cabot, and if cabot agree, then they will remove the order.

 

If I contact Cabot, will they want payment?

Is the Land Registry correct in not removing the order?

 

Thanks

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What date was the CCJ that resulted in the CO?

It would have been Cabot that got it using your old address as you didn't inform your creditors you'd moved in writing?


please don't hit Quote...just type we know what we said earlier..

 

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Also you should know that when creditors sell debts, they sell the rights but they can never sell the duties.

This means that any complaint you have, you can make it against the original creditor. You can make it against the debt purchaser as well but very often you are better off going against the original creditor. They won't like it because they think that by having got rid of the debt, they have gotten rid of all responsibility – but that is not the case.


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The original CCJ was 12 June 2009 from Lloyds TSB. Cabot have not been in touch about this.

 

The entry on Land Registry is from Lloyds TSB not Cabot

 

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did you sign a personal guarantee with LLoyds re the OD?

 

yes sorry..2009 was a time when Lloyds did still do litigation.

 

had you moved and not informed LLoyds of a change of address?

 

the CCJ and its enforcement ..the CO is now owned by cabot

you wont get it removed by simply asking.

 

is this home solely in your name as was the debt?

 


please don't hit Quote...just type we know what we said earlier..

 

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The company was desolved in 2009 and a directors guarantee was signed

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Cabot are now the Judgment claimant......the debt has been assigned to them.Its irrelevant who,s name it is in with regards to your Deeds. The charge will remain on your property until its settled..they wont remove it.

 

The CCJ itself is 10 years old...so obviously Cabot are content to let it sit as security until you either settle or sell.

 

Andy


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2 hours ago, dx100uk said:

is this home solely in your name as was the debt?

 


please don't hit Quote...just type we know what we said earlier..

 

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