just for future use and terminology, i am sure this will be pasted into the correct place, i have just been around the houses with a few friends in the business, who then have contacted their friends (what a farce), and ....here goes although this implies some sort of action on behalf of lloyds and the courts it is not..... it means it is 'charged off' from mha???? it is now sent to the central collections department. i shall write to lloyds regarding this, it implies this is going further than Brighton?....like to the local court. surely it woudl not be difficult to start using terminology that is not meant to send the fear of god into people, the biggest problem i have had with all of the problems i have had is, the immorality, the persecution, the implication of my dishonesty (because of my situation i would damn well pay them if i could)! anyway what is going to happen now i don't know, i still did not get any confirmation as to why they could 'not' write to me, but....this is nothing to do with the courts it is a phrase used by lloyds 'internal terminology'!! val

HELP.....not sure what has just happened in a telephone conversation two minutes ago. after blasting them for the millionth time for phoning me before they read the account details i noted that the acct had been passed to mha collections. part of lloyds....from what i gather it is across the corridor type of thing. anyway after ranting for 10 mins, the letter asked for 309.00 a month, which if i couldnt maintain 20.00 a month was a bit (?). anyway after explaining in a rather 'strained' way why i was so angry about the call the young lad said ......i think we will have to 'charge off' the account. this will stop you getting anymore mail etc. i work in the banking world and i have never heard the phrase. is he saying we wil continue with a charging order against you. is he saying they are going to charge of the account to themselves?.... (that would be a life saver but knowing my luck this is a definite no) how can he cofirm i will get no more post from them? jeez again stuck and scared....someone help please. i asked him to confirm what he had decided in a letter and he said 'we don't do that'? so i am not going to find out that way. look forward to your responses on this one val

sorry to through a random thought in here, i am all over the place on this site. charging order about to be placed on property, i am determined they will not do it. trying to defer case. can i go for costs while this is happening? they have hammered me for two previous mortgages that were without arrears but had ercs, current mortgage is slapped with everything under the sun, arrears, consultant charges etc. my question remains, can i do this when they have got to the ccj bit (not even sure if there is a ccj but i am presuming they have done this). i am struggling with all this. there has to be some way i can 'repay' there tolerance and understanding? lol. so frustrated with there bullying. molly47

been there, they will charge 80.00 if he visits, then do very little except to look at the material you have already provided. this is the initial bit before the charging order. i am surprised they agreed to any reduced payment there policy is normally to accept nothing below 70% of initial payment. can you help me with something? can i ask if your mortgage is with them as well? this will help me with the same problem? thanks molly47

just a follow up, i have just managed to get back on here from having my line frozen by bt. very tired, not sleeping and feel like very 'persecuted' re: the above. i have now heard from nr's solicitors. NR are proceeding with this. i just need help with the following.........i need really really really good solicitors in ipswich or nearby. does anyone have NR unsecured loans charged on a non NR mortgage can i get legal aid for this type of thing how on earth do you get through to cab when you are disabled, there phone is never answered is there a general/public access to mortgage imformation?....what happens if there is no equity in my property. do they still secure?...this will create a negative equity in a property? whilst i have been reassured that the purpose of this is to secure the debt, the threat is doubly increased to keep up repayments. i have negotiated an agreement with my mortgage but if i now get into difficulties it is considered a secure loan!!! it feels like double jeapordy!! i have an agreement with lloyds for 5.00 on 22,000 and 5.00 on 11.500 on my c.card. NR have never agreed to anything. so i have paid them 30.00 to try to keep them away.....this eats into my little girls dla. on top of this, i have now got a black eye....someone is really pooing on me from a great height!! i would love to fill in the whole of this but it is about two years worth of he said, she said. i know NR ethos and it is obviously prudent for them to secure as much as possible at the moment. my gp has written a letter for the courts, re: mental health and physical health issues.......medication affecting memory and ability to function does anyone know if this does anything to help defer court date? i now am facing the 16 days before? pls help regards molly .... i have total of 60,000 worth of debt, should i just give up and go for bankruptcy. i have a phi form norwich union will this be taken as 'income' (it is 50% of my salary)

thank you for that. i have a mound of paperwork here that i am ashamed to admit is unopened. the last two years is a fuzz of back operations and huge amounts of medication. life has been a bit of a haze. i tend to be delighted if i get through a day without forgetting appointments (physio etc)and without putting the butter in the dishwasher!!! so i suppose this is my own fault for not opening and replying to the mail. I am still livid and am sure that if i was not aware of the risk of this, how many more people are unaware? i will give the national debt line a ring but somehow i think i am about to have to cave in. even the charges are phenominal. i hate that they can do this. grrrrrrrr surely it is time that the world of people with unsecured loans should be enlightened. just can't think of the best way to go about it. regards

i have posted this in a few places, i really wanted to start a new thread, but i can't find out how to do it. charging orders are a massive issue. i think nr loan co must have accessed my mortgage acct. this is only because the company has both loans. my other debtors do not have this privaliege. is tseems so unfair.? hi, first time on here. i have read with interest all the replies to this problem of charging properties when unsecured loans are in trouble, either reduced or non payment. i am in the reduced payment category and have made a right mess of dealing with the courts. half the time i was doped up on morphine and in and out of hospital (disc problem). so the result is one appearance where the judge agreed there was a few problems so case was deferred, the new date came through and i was due another op on the same day so sent hospital admission papers to court and they deferred again. i am now having to face up to this issue, however i will not let them charge my property. (my little girl is disabled, this property is converted for her and is her security is anything happens to me....this debt is my issue, she will not end up suffering becuase of it). anyway, couple of issues i would like some help with, surely as with anything purchased borrowed etc, the sales literature has to be clear. ie on mortgages...your home is at risk if you do not keep up with payments. i have noticed that one sales pitch of NR's is that your home is NOT at risk and it is NOT secured on property, surely it should follow up with your property will be charged if you do not keep up with payments. i know ther e is something that states that they have to use plain english and nothing is to be 'hidden'. my other issue is why is anyone paying the extra interest when they might as well take a secured loan in the first place (most of us pay the extra just to avoid putting our properties at risk) WHY should this not be plastered over every paper and warnings shouted out load on programmes such as watchdog and gmtv? i am convinced this would seriously affect their lending. after a lovely huge long discussion with NR's solicitors, he pointed out that actually the property will not be at risk as all they are doing is making sure they get the full amount of their money back should anything untoward happen. they also all try to get their charge in their first. i am hopping mad as they actually have my mortgage and hence have access to the details of my property. i have also been told that the reason that NR will not agree to any payment plan is that they will not do this until their is a charge on the property. has anyone had dealings with eversheds?..... while i am on here i have got a problem with moorcroft, anyone know anything about them, the next question is regarding reclaiming charges on mortgages, can they then ask you to take your mortgage somewhere else. i am aware that banks are doing this. (hang in there, my brother has had a new bathroom installed on his refund from Lloyds.....it took him 3 months). i am desperate for help on these issues. i have no legal knowledge and am about to fill in the defence thingy for the court. i was hoping i could stop it proceeding. so please, any knowledge of someone who managed to stop these 'bullies'? help, molly vbrep_register("1138343")

hi, first time on here. i have read with interest all the replies to this problem of charging properties when unsecured loans are in trouble, either reduced or non payment. i am in the reduced payment category and have made a right mess of dealing with the courts. half the time i was doped up on morphine and in and out of hospital (disc problem). so the result is one appearance where the judge agreed there was a few problems so case was deferred, the new date came through and i was due another op on the same day so sent hospital admission papers to court and they deferred again. i am now having to face up to this issue, however i will not let them charge my property. (my little girl is disabled, this property is converted for her and is her security is anything happens to me....this debt is my issue, she will not end up suffering becuase of it). anyway, couple of issues i would like some help with, surely as with anything purchased borrowed etc, the sales literature has to be clear. ie on mortgages...your home is at risk if you do not keep up with payments. i have noticed that one sales pitch of NR's is that your home is NOT at risk and it is NOT secured on property, surely it should follow up with your property will be charged if you do not keep up with payments. i know ther e is something that states that they have to use plain english and nothing is to be 'hidden'. my other issue is why is anyone paying the extra interest when they might as well take a secured loan in the first place (most of us pay the extra just to avoid putting our properties at risk) WHY should this not be plastered over every paper and warnings shouted out load on programmes such as watchdog and gmtv? i am convinced this would seriously affect their lending. after a lovely huge long discussion with NR's solicitors, he pointed out that actually the property will not be at risk as all they are doing is making sure they get the full amount of their money back should anything untoward happen. they also all try to get their charge in their first. i am hopping mad as they actually have my mortgage and hence have access to the details of my property. i have also been told that the reason that NR will not agree to any payment plan is that they will not do this until their is a charge on the property. has anyone had dealings with eversheds?..... while i am on here i have got a problem with moorcroft, anyone know anything about them, the next question is regarding reclaiming charges on mortgages, can they then ask you to take your mortgage somewhere else. i am aware that banks are doing this. (hang in there, my brother has had a new bathroom installed on his refund from Lloyds.....it took him 3 months). i am desperate for help on these issues. i have no legal knowledge and am about to fill in the defence thingy for the court. i was hoping i could stop it proceeding. so please, any knowledge of someone who managed to stop these 'bullies'? help, molly