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    • So with a long working history, which she can evidence, it should not be a problem. Still have to go though HRT process for any benefit application, if they have been out of the UK for more than 6 weeks. It won't be a smooth process though. Suggest they try to get advice via Embassy, before they start any journey.
    • Dep Thx Eric's Brother. There was a person on this forum who told me his case was thrown out at the same court because of the contract. I requested more info, but he has disappeared since his case was dismissed.  I was just wondering whether it was worth whacking off a letter to IPS pointing out one of their members, using their logo, is making a claim based on illegal signage and other issues in contravention of their Code of Practice. Would they lean on VCS to withdraw, do you think?
    • Mother and father worked here and then went to SA in about 1978 returning to UK in about 1996 and worked here until 2016 when her husband died at age 66.  He was still working at the time.  She then went to live with daughter in SA.  Mother only claims for her pension. 
    • Thanks, I owe the money, no issue with that, I will SAR the company.  If I need to just pay it and have the CCJ for a few years so be it.  Just thought I'd explore all options
    • By the way you wrote that post, i can see that you are as confused by the situation as someone reading it. Important advice must be not to pay for any flights etc, until they understand the situation fully. Those that have British passports could be entitled to receive UK benefits. However, nothing is that straightforward. The passport does guarantee anything. The daughter could be entitled to Universal Credit ( which includes housing) as a British passport holder, but this can only be confirmed when she has gone through the Habitual Residency test (HRT). So you will need to read about HRT for British passport holders returning to the UK. There will be requirements to provide information about why they are returning to the UK and what work searches have they done to find work on their return to the UK. In regard to the mother who has a British passport, you will be correct in presuming that no council is going to be helpful in paying for the care home fees immediately on arrival in the UK. When did the mother last live in the UK ? When did the mother last work in the UK ? British embassy in South Africa may be able to provide information and assist with applications ? Just getting on a plane, landing in the UK and expecting help to resolve their situation, would be a silly thing to do. I can see the mother ending up in an NHS hospital for a period, while people wondered how they were going to deal with the situation. Probably not the first to do this, but if the mother also has a South African passport, they could put her on a plane back to SA and then the Daughter would be a difficult situation. Embassy in South Africa must be first place of advice.
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Black horse transferred our secured loan to Skye loans on1/6/2015.

we have a mortgage with Lloyds bank. Which is all to date,

 

We have been paying £230 a month to skyeloans, as the original loan from black horse was secured against my house

is the skye loans one also a secured loan and will my home be at risk if i dont pay skye loans

 

,as this company is not showing on my credit file

is it a legal company.

 

I have put a complaint in to the financial ombudsman also about this company.

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Complained to financial ombudsman about Skye loans because apparently they are not regulated by the FCA 

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was also Capita Mortgages Services Limited i think look at the bottom of their letter should say.

 

you need to go look at your deed on the .gov.uk land registry site

£3 I think.

 

I would suspect like all the others in the threads I linked to above

you've been had blind.

 

dx

 

 

 


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

 

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Do I  pay Skye loans the £230 a month that they say we have to pay  each month  or I dont pay them can they take our house off us.

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go get your CURRENT  deeds as advised above and check if they have a charge against your proprty

it was BH

if its still BH

they'll have a very hard time.

 

but this is not the only step you need to take.

 

baby steps please

get your ducks inline.

 

have you read those threads I pointed too?

 

 


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

 

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Yes I will thankyou 

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I have today written to Skye loans and yes it does say on the bottom of a letter from Skye loans capita mortgage,

 

I have told them in the letter that I have contacted the financial Ombudsman service about them and also said I am withholding any payments due to them until I have heard from the ombudsman.

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I suggested you get your ducks in line 1st

else you are simply entering into pointless letter tennis

you should not be withholding payments no if they are legally entitled to them.

 

so have you done the deeds search yet?

 

and what have you gained by reading those threads about what you need to do as well?
 


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

 

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I am in the process of looking on the land registry and it's showing on there alongside Lloyds bank,am going to look at deeds aswell

 

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I have looked on the land registry and Skye loans is listed as a charge on our property.

Can this charge be removed if Skye loans is not regulated by the FCA.

 

What do we do,

keep on paying Skye loans or postpone payments until we have heard from Financial Ombudsman and do we contact Skye loans and let them know we have contacted the financial Ombudsman service about them.

 

Are Skye loans a debt recovery agent and could we lose our house to them.

We certainly don't want to lose our house but why should we pay any money to a company that isn't regulated by the FCA is anyone else in this predicament as well.

 

I haven't posted a letter to Skye loans telling we know their company is not regulated by the FCA.

 

I will hold on to for a bit.

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skye loans might not be regulated by the FCA, but I bet their parent company are which will cover them.

 

sadly even if your thoughts were true, that is no reason to withhold payments nor report this to the FOS.

 

the loan is secured, therefore as per the original T&C's your home is at risk yes.

 

I would be sending an sar

 

is there any other reason why you feel you should not be paying them

what prompted your investigation about them?

 

 

 

 

 


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

 

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