Thank you , I hadn't seen these , I have only found out about the shenanigans .

There is lots to do and not much money , I genuinely thought someone might know where I could see an example . Never mind I will keep searching . Thanks

Hi Ethel, I have a solicitor working with us . The land registry told me we should file an objection to any further changes and an objection to removing mother in 2016 . I was hoping that there may be a solicitor on here who could point me in the right direction . I will give my insurance a ring and see if they can advise re wording etc . I have used this group lots for advise but agree I will get legal help too Thanks

Hi, not sure if anyone can help . My Mum died in 2003 leaving her share of the home to myself and my sister . Her will also allowed my step father to live in the house until he died . He moved in with his girlfriend three months after Mum was buried . My sister and I were not advised of our legal rights . He died a couple of weeks ago - we do not have good relations with step siblings . It appears that in 2016 he applied to have Mum removed from title deeds - she did have a beneficial interest - I think my sister and I should have been added after her death but as we had to get the will through probate there was no help . I have to write an objection to anything else being changed on the deeds - there is a restriction in B that if its removed will be very detrimental to my sister and I . Can anyone help me with the legal wording or where to find it please? Thanks

I sent them the SB letter from here recorded delivery. They just wrote saying they are offering me the chance to pay 70%. I won't. If they keep writing I will report them, not much good that does.

Received letter from Cabot saying they still hadn't got the cca so standing order cancelled. Ruthbridge still writing despite my sending them statute barred letter. The debt was, an overdraft but I believe its covered. Chucking letter in a corner never to be looked at again. Thanks for the advice

The advice was, 15 years ago that if a true signed copy of the CCA was produced then you carried on paying. That's why we did. Advice also to send Section 10 dispute letter etc The CCA had husbands signature on it and his handwritten date - all letters to Cabot did not include this. My worry is if they get it again and we just stop paying we risk court etc, though I suppose it makes no difference now.

At the time all advice was that if the DCA had a true signed copy of CCA then it was enforceable. I got that from here.

Who - Cabot produced CCA true signed copy in 2008/9. We - had to pay They - threaten CCJ We- request CCA again in the hope they can't produce it now. They - send letter asking for income expenditure. We- ignore it What - now they say they need more time to get it. I can't just stop paying surely?

Thing is they were able to get one which is, why it's the only debt we didn't put in dispute. I suppose that's why we are concerned now as they could produce another one from somewhere. I spent years trying to sort it all out and most are SB. I will just send them an f off letter.

So we just say nothing completely and stop the payment?

Thank you all for your support . SB letter ready to send to Cabot/Ruthbridge same letter , same envelope . We received two more letters re husband - 1. we dont have the CCA but are contacting original lender give us more time. Today - we love you and are here to help , here fill out this income and expenditure form , if you're not happy then complain . so about to do the No CCA Section 10 dispute letter and cancelled DD . Oh we do love a good fight . Thank you all so much .

Thanks. Will get the letters sorted out.

Yes, we sent the first one in 2009 and had the same "we don't have it but will get it" they then produced a true signed copy of the original from RBS. We sent another mid Sept and received the same letter. I am now thinking that if they don't have it themselves we should be able to put it into dispute...