Hello DX On an account always in a little, under £100 credit, deposits average around £50.00, little used because of virus effect, and has a £3000 overdraft facility, unused for over 3 years?

I was advised by a customer that his payment direct into my account had "bounced" back to him. I went on line and was denied access to my business account, and also got a message to the effect to remove the bank's app. I telephoned Lloyds and was told that the account was under review for 8 working days, and I would not be able to access the account or withdraw funds (a credit balance exists) until I was told by the bank. Has anyone come across this situation before please? I was told by the bank that it is their standard procedure. No prior notice of this "review" was provided.

Hello DX Here is the exact wording from the Land Registry Legal Charge of a Registered Estate form CH1: 1. Title Number: 123456 2. Property: My home address 3. Date 19th April 2007 4. Lender HFC Bank Limited P.o.Box 4716 Birmingham B1 3RD (Registered Number 1117305) 5. Borrower for Entry on the Register My Name and my wife's name (BUT IT WAS SOLELY MY DEBT) 6. The Borrower with (full title guarantee) charges the property by way of legal mortgage as security for the sums detailed in panel 8 7. No X' s in either of the boxes: The lender is under an obligation to make further advances and applies for the obligation to be entered in the register. and The borrower applies to enter the following restriction in the proprietorship of the registered estate. 8. To secure the sum of £9817.15 only, such sum to be repaid by a schedule of repayments as may be agreed by the parties from time to time. 9. Execution signed by myself and my wife and witnessed. Weightmans got my wife to sign a consent form hereby agreeing and consenting to the charge, and agreeing to sign the CH! form. They issued a Bankruptcy Petition to me. The sum on the petition includes costs for this even though the CAB requested they be removed. Current Balance of Marbles debt £6492.52

Thanks Andy and DX Charge on property was for Credit Card debt in my name, but at the time property was in joint names. Weightman's got signature from my wife to agree charge on the property, charge is shown on the Land Registry entry, before I knew of CAG and received bad advice from solicitor. Debt has been reduced over the years, so charge value now less than original, but no statements received for some years, and debt sold on from Marbles/HFC to others, so not sure who would benefit now from charge? I will have to look up file for who owns debt now, as stopped paying monthly a while back.

Hello DX Ideas are from post 50. I don't know nor have done any research about debts of the dead!

Hello Andy. So CCJ's that do not have charge on the property die with me? There will be some estate, so what about other debts not subject to CCJ's?

That's a good idea DX. Can I list all on this thread, or start a new one, if new, where to post please? All have different factors, only one other is subject to. CCJ, and another has a second charge on the property. Yes only me now on the deeds, my wife died just over 3 years ago. Mortgage and Land Registry details have been amended.

Thanks Andy A downside of continuing paying is I am not getting any younger! If I die (I stress I am not intending to just yet!) before paid off, I would not want to leave thinking that Drydens etc, might get my executors to pay the full amount. As you may be aware, I do have a few drip payments live at the moment, all dating from 2007, which may not be easy for executors to handle, especially the second charge on the house following a Statutory Demand, but I have paid some off of the original debt shown on the SD.

Hello Andy Yes, they must be getting payments as letter from Drydens with offer shows bfull alance actually less than actually owed as at the date of their letter, and last SAR to MBNA shows "Sale of Debt Adjustment" after each monthly credit, and as sold to Arrow they get the payment! Time for deciding on paying 50% debt nears

Hello Andy Please see post 35 on here. Although no actual statements or "proof" of where payments end up, but Transaction info from MBNA SAR has "payment thank you" on monthly dates, and "payment adjustment" cancelling the payment after each PTY entry. Current balance info from Drydens is actually less than my records! I have record of asking for payment details from Carters, but none were replied to!

Was paying Virgin instalments before Claim issued, but nominal £1 1st August 2007, when £24.89 monthly payments commenced, before Variation Court Order of 7th September confirming £24.89 payments. I have never had payment details sent to me for Arrow or Carter. I have letters from Carter saying I am paying them, but I never have!. According to SAR info from MBNA, account was sold to Arrow on 6th March 2007. Have paid Virgin monthly since, as confirmed in SAR's from MBNA.

Double checked the charges, £225 charges @ £25.00 each plus £180 charges @£12.00 each. This is the first offer I have had since CCJ of July 2007. No statements received, but I know monthly payments made. on checking my files: Original CC claim issued 8/06/2007. I acknowledged 26/06/2007, with intention to defend and contest jurisdiction, claim issued from Northampton, Original CCJ issued 3/07/2007 for full payment forthwith and saying I have not replied to claim form.(I had!) I offered instalments of £24.89 per month, which Carters confirmed was acceptable on 3rd July 2007. I then completed form N245 form on 20th August 2007, and court issued Variation order for monthly instalments on 7/09/2007. I did not challenge the agreement, CCJ was "rushed through". Monthly Payments have all been made to Virgin/MBNA I had a lot of debt issues going on at that time, Your "Judge Lottery" description is probably accurate. Not sure of the process if I stop paying now. I suppose they will go back to the court?

just checked through the file. CCJ, inc court fee and sols fee £12,284.30. Left to pay £8402.57, Drydens say £8260.61 o/s, so less than my calcs, which I know now are correct. they are offering slightly over 50% off. Yes sad about carter and friends!

Because CCJ said to pay debt by instalments, but now Solicitor for Claimant is prepared to accept 50% "in settlement and to clear the account balance"

Update Arrow's in house solicitor drydensfairfax have offered a 50% discount on the debt and "where the account is reported to the CRA's your record will be update as "Partially Paid"" As this account is now over about 13 years since CCJ. and not shown on any records, If I pay the 50% should I be asking for any document or do I write to the court to mark as settled as agreed?

Thanks Andy, so I will stop paying the monthly sums, due next week?

CCA request, with PO sent signed for 27 April 2020. No response yet received. Does the time limit still apply considering coved-19 please?

Hello Again Responding to previous post. I think I am confused and have caused confusion! I had 2 cards with MBNA. I think only one was subject to CCJ, and that was not the Virgin Card. Thus the Virgin card, I don't think had a CCJ. I have looked through all the documents from MBNA sent in 2016 in response to SAR and nowhere refers to a CCJ, just says the account was charged off in February 2007, and sold to Arrow in March 2007. That would explain why a CCJ did not ever, even within 6 years, show on my credit file. I have not moved house in over 20 years! I have not received any statements from MBNA since 2007. The SAR info provides a Transaction report which shows payments made up until February 2013. The SAR is dated January 2016. No recent SAR requested. As my previous post, the transaction report shows my payments in and straight after each payment there is a "Monetary Debt Adjustment" entry for the same amount out! So I am thinking to action an SAR now?

For the confusion! I must look out my old files. My question now is, if the agreement is/was unenforceable can I go back to anyone - court-carters-arrow and seek a remedy,? I understand that I should not stop paying as subject to court. Interestingly this court judgment has, to my knowledge, never been recorded on my credit files. Once again sorry for mix up. t

Thanks Bank, Cannot get out to Post Office today, but will do first thing Tuesday. Do I send to MBNA or Virgin or Arrow please?

I have been paying Virgin, using references as the original card account, for many years, since 2007. During this current coronavirus situation I am going through my monthly debt payments to try and stop paying, taking advice from elsewhere on here. I attach a redacted copy of a document that I was sent by MBNA a few years ago, following a SAR request. My question is, is this a CCA that can be upheld please? They did not provide any other signed document to me, they detailed my monthly payments, as going in, then out as their documents "Faster Payment, thank you," then "Monetary Debt Adjustment" after each monthly payment. Prevoiusly I requested a refund of £245.00 charges which they refused. I have not received any account statements since the SAR request made in 2015. The SAR file has an entry in 2007 "Sold to Arrow" but I have never paid Arrow, and do not receive statements from them, Virgin or MBNA. Should I just stop paying and see what happens, is the uploaded document valid to enforce. Thanks for reading. t virginapp 001.pdf

Just to be clear, and sorry if I appear thick, Does section 78 of the Act cover credit and debit (amex green card) accounts please?

Thanks, I will let you know how I get on!

Hello Again In view of DX' s comments in coronavirus section, I thought I would work through the various cards etc. I am continuing to pay monthly since 2008! I am paying direct to Amex two monthly payments one for a debit card, the other for a credit card. I have never received statements for either card since DN's were sent. I had help from CAB at the time and am paying what the CAB suggested. I have had no correspondence from Amex themselves, but, periodically I get an offer letter from AIC who are acting for American Express Europe Ltd, their client Their last letter was July 2019. I obviously would like to stop paying! Should I write to Amex or AIC? Thanks t

I made a claim on line directly to Amex on the deadline day. I supplied them with all the relevant information, and I got an email back by return on the same day, acknowledging my claim. Since then I have not received anything from them. They had a note on their site about a high number of claims due to the deadline, so there may be a delay, but this long? Do you think I should just sit tight and wait?