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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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Old HSBC joint secured Loan - Sold to Lowell, who wrote off debt in 2015 - trying to sell home.


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Hi there, 

 

I really need some help please!!

In 2013 HSBC sold a secured loan to Lowell financial services (but bizarrely they didnt transfer the charging order to Lowell). 

 

The title deeds of my house say that the charge is still in favour of HSBC. 

I was never made aware of the sale to Lowell until I went to sell my house last week - when I contacted Lowell I found out two things: 

1. Lowell have absolutely no record whatsoever of my ex-partner who was also a signatory on the secured loan!???

2. In 2015 Lowell financial wrote off the debt as "Unecconomoical to recover" - thats what their internal systems say. 

 

I asked Lowell to send me a letter confirming that the account was closed and settled in full and they very kindly did this!!

I thought that this would be the end of my woes with Lowell however they are saying they wont authorise the removal of the charging order from my house unless I "Agree to reopen the account" (that they closed) and pay it in full??!! (After 7 years of no contact!???)

All this despite me having a letter from them saying it was "settled in full" and a "zero balance".

What are my options? 

Obviously there was an outstanding debt originally but they have closed the account and if they are going to re-open it surely they should be chasing both my ex-partner and me jointly and not just me!?

Any advice would be greatly appreciated!!!

 

Thank you :)

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Hi there, yes the property is jointly owned by my ex-partner (who also signed the original secured loan agreement). 

Also Lowell have sent me letter stating that the account is closed (it was closed in 2015 by them stating "unecconomical to recover") 

I'm really confused by all this!!

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I have done the search for you. Read this:

 

 

FREECONVEYANCINGADVICE.CO.UK

We want to sell our property. And pay back our mortgage in full. But not the other restriction charging order on my boyfriends beneficial in the prope

 

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Can't be a restriction k ..the charge is as a result of a secured loan taken out by both owners of the property at time.

 

Sadly no other option bar to negotiate a low f&f.

 

Dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Nope the charge and its wording is all they need and explains everything 

 

Dx

 

 

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to Old HSBC joint secured Loan - Sold to Lowell, who wrote off debt in 2015 - trying to sell home.
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