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    • Hi GrievingMum   I fully understand and sympathise with your medical conditions.   The 3 screenshots/images in post#21 I have removed as I have converted those into one PDF which is now showing in that post.   CAG prefers PDFs rather than multiple screenshots/images but as I said I appreciate your medical condition so I have converted those screenshots/images into one PDF and removed the screenshots/images and left the PDF in your post.    CAG also prefers that all our caggers remain Anonymous on CAG, could I just suggest that when your have edited your document to just leave it for a while then go back to it and recheck that you have removed all info to keep you anonymous before uploading to CAG.
    • The letter send to contact them. Maybe if they wanted people to ring them they should put telephone? I was in India at the time so not really convenient to call them (I can prove this to them if it became an issue)  
    • Hi  I genuinely have not received this BUT I am not saying that it hasnt been sent as I am sure it will have been.   As i said, my son has the same name as me and I am sure if he had seen one of these, he will have let me know as he did when he opened the second letter. 
    • worthy notes from your thread..   .POFA doesn't apply the docks byeleaws and their signage is a miserable failure to create a contract with you either ( either an invitation to treat or prohibitive signage according to which one you read) . the land is not relevant land as far as the POFA goes so there is no keeper liability in this matter so there is no cause for action against me. As docks and harbours governed by it own byelaws these are supreme to any contract you claim to have so there is no contract for the driver to consider that is enforceable. . 1.There is no cause for action  as there is no contract between us.  The land is covered by its own byelaws that are supreme to anything you wish to claim is an offer so there can be no performance to the contract by yourselves.  . 2. As the land is not relevant land for the purposes of the POFA there can be no keeper liability and that means you had no reasonable cause to obtain my keeper details so any civil claim will be met by a counterclaim for at least £250 for your breach of the GDPR.  . you know it is a dock so covered by its own byelaws so therefore unlikely PE can offer you anything and certainly can't create a keeper liability. . PE has no locus standi , no cause for ation as land not "relevant land" and covered by its own byelaws. IN ANY CASE ss POFA not applicable there can never be any keeper liability.         
    • stuff silly reclaimers they take +35% and no it doesn't meet the deadline no harm in going to the RBS website and starting a claim.. you never know simply put the number of the card in and say you think you had ppi please investigate. say nothing more   they can only refuse you, but comeback here with what they say.    
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Popa_dad

unknown Charging Order 2009 - Nrock unsecured loan

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Hi All,

I am coming here for advice over an situation which i can only put down to my own stupid incompetence.

 

Back in 2007 I took an unsecured loan from Northern Rock.

In 2008 i was made redundant and was offered a job abroad which i accepted.

I rented out the house and my family and i all left the uk for a life in the sun. 

At that point the only uk debt i had was my mortgage and the loan from Northern Rock.

 

It is at this point were my stupidity comes in.

While clearing away all the old direct debits from my bank i must have accidently removed the one for Northern Rock.

The rental on the property was meant to cover the mortgage and the loan.

Any left over was tranferred back and spent.

 

I did not check the statements.

I wanted only to make sure the mortgage was paid.

I did not put the extra down to the loan payments not being taken.

I assumed it was saving made from the lower mortgage rate. (see stupid). 

 

I have spent the last 10 years unaware that i defaulted on the loan.

Its only now when i come to sell the house that the buyer's solicitor has informed me that i have a charge order against the property.

 

As far as i am aware there has been no contact by the bank.

I still have and use the email address that was used set up the loan.

There has been no correspondence.

The charge order was added in 2009.

 

Afer some searching i know the process the bank would have took to obtain the charge order but again i was not contacted at any point and i was again unaware the ccj was in place. 

 

My question is how do i find out how much the charge order is for and how do i get it removed?

 

I have not contact the bank since i found out (yesterday) and will do so as soon as can.

I would just Like advice to see if there was anything i can do with respect that the load was defaulted 10 years ago and there had been no contact.

 

 

Thanks

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is the home jointly owned but this debt is yours solely?

 

dx

 


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The mortgage and debt is under my name only. 

 

I know there is no way i can get away with not paying the debt.

But is there a way to find out how much the charging order is for?

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I doubt northants bulk will have any details of a CCJ from 10yrs ago.

 

the charge is in Nrocks name and not a DCA?

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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The solicitor named Northern Rock in the email so it must be under their name and not the DCA.

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go get the exact details from the landregitry.gov site

costs £3 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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thanks i will.

 

Will this show me the amount?

 

I am worried because if 10 years worth of interest has been added it may be more than i can afford

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cant add interest. unless the original judgement [CCJ] allowed it

very rare.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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That's good news.

 

I check the land registy site and see what information i can find.

 

Thanks for the information.

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