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DesperateSusan

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Everything posted by DesperateSusan

  1. DesperateSusan
    OK thanks. I was thinking of using the old fashioned pen and ink method - I prefer it most of the time. Thanks again, Sue
  2. DesperateSusan
    The CCJ I had was reported in my Noddle account. It had the judgement date, amount, court name. There was also an entry for the bank account the CCJ was related to. This had the balance history so I could see the payments I had made. HTH, Sue
  3. DesperateSusan
    CWK, what info did they ask you for to ensure you were you and/or they were updating the correct files? Thanks, Sue
  4. DesperateSusan
    All of them? I have recently moved house - last time I moved I informed my bank, Halifax, who then informed the CRAs and I didn't need to do anything else. This time, I have informed Halifax, but the address shown in Noddle hasn't changed. Given the idea that one of the DCA could slip in a court case, I think it would be wise to get the details up to date. Do I just write them a letter stating my old address and new? And full name and dob? Is that all it will take? Thanks, Sue
  5. DesperateSusan
    OK - thanks Andy. Sue
  6. DesperateSusan
    Thanks, Andy, so I have to write to the court with a copy of the certificate. What about the land registry marker? As the charge order was obtained in a court, I guess I have to write to that court too. Will the court then advise the Land Registry? Thanks again, Sue
  7. DesperateSusan
    A few years ago DG Solicitors took me to court and got a CCJ against me and also got a charging order against the house. In October '14 I cleared the debt. DG sent me a Notice of Satisfaction. Do I now have to do something, or will DG Sols update the court / Land Registry? A second problem is that the Notice of Satisfaction is incomplete. A sentence says "We confirm final payment of the above account was received on ." but has the date missing. I have asked DG to correct this, but I haven't received a new notice yet. So, if I have to do something for the court/land registry, will this certificate be acceptable? The CCJ still appears on my Noddle report, though the bank account the debt was associated with has dropped off. Thanks, Sue
  8. DesperateSusan
    Thanks Intend. Sue
  9. DesperateSusan
    Thanks. So when they said they had "closed our file" as in the letter quoted in the OP, that actually means nothing!? I should've known. Sue
  10. DesperateSusan
    Well, I was thinking I wouldn't hear from Lowells again, but I have received a letter from them which says: What are they hoping to achieve by asking for the statements? I've not read of them doing this before, is this standard procedure? Is it a file-and-forget type letter, or should I be doing something about this? Thanks, Sue
  11. DesperateSusan
    I think there was 9 years left on the other mortgage, now about 6 years. I'm planning for both to be paid off at the same time. Interestingly - there are no negative markers on my credit file about the mortgage not being paid in time. I tend to agree, CB. Easier to think that 3 years down the line, though. Thanks, Sue
  12. DesperateSusan
    Hah - no, I don't think they did return the £1 - the buggers! What should I expect to see happen on the credit file? I use Noddle, so it takes ages to update :/ For info and for others who may be in a similar position ... the account was opened in 2000, defaulted in Mar 2010 and Lowells have been pretty well ignored by me since Aug 2011 - until I sent a CCA request in May '14. Sue
  13. DesperateSusan
    Back in May I CCA'd Lowells regarding a Barclaycard debt. I have received a letter from them saying Woo Hoo! Regards, Sue
  14. DesperateSusan
    I've just looked back at my posts - post #10 ... I was angry wasn't I lol
  15. DesperateSusan
    It doesn't look like you started your own thread, so I'll answer here. It will hopefully be useful to others who find themselves in a similar situation. Three years on, despite HSBC declining to extend the term, they have done nothing to try to force the issue. My understanding is that the loan goes into "forbearance". I have continued to pay the monthly amount, plus an amout that would clear the loan at the same time as the other loan (ie I'm doing what I wanted to do in the first place). I get a letter from them once a month to say the loan is overdue and I need to take steps to pay in full. I ignore those letters. I get a call from HSBC mortgage department, but I don't take them. When this first started I was quite panicky - but now, I'm more relaxed about it. I think the key is that I am paying it off. Of course there may be subtle differences in my situation. Your experience may be different. Good luck, Sue
  16. DesperateSusan
    Thanks, Andy, will do. Sue
  17. DesperateSusan
    I do own property - jointly with my soon-to-be-ex. Does the joint ownership status make a difference? I always thought it did.
  18. DesperateSusan
    I received a letter from Hamptons - is this standard threat-o-gram stuff or something more serious? The text of the letter is: I have been ignoring all letters from Lowells about this debt for nearly 3 years. Should I ignore this, too? Thanks, Sue
  19. DesperateSusan
    Oh - should I send the SAR to HSBC or DG Solicitors? As DG are part of HSBC will a SAR to HSBC be sufficient? Thanks
  20. DesperateSusan
    Thanks. I'll do that. I was going to send them a SAR regarding an outstanding CC debt I have with them. Thanks again, Sue
  21. DesperateSusan
    I did know they were going ahead, but I ignored them. The story is that I got into financial trouble: i had several credit cards, I was using one to pay off another and I was running an overdraft at HSBC that I kept exceeding every month. And every month charges were added making it even more difficult. I seem to remember getting charges of £150 a month for many months. I think they had a cap at that figure. I was under pressure at work, pressure from continual DCA calls and my marriage was breaking up. Although I did some prep work to reclaim the bank charges, I didn't go through with defending as the other life pressures were too great. It seems feeble to say it now. As part of the process of reclaiming I got a figure for the amount of charges in the debt and it was about £2150 - they were chasing a debt of £2000. I did receive a letter about plans to obtain a charge order on the property and about the court case, and though I tried to look at them I didn't have the capacity to defend. I filled in a income/outgoings form for the court and offered £50 per month which was accepted. I've been paying ever since. I doubt I can lay hands on the original documents for any of this - since the split-up many things got lost. Does that help at all?
  22. DesperateSusan
    No, neither.
  23. DesperateSusan
    I never used BCOBS, but I did start down the track of reclaiming bank charges - everyone was having a go back then - but I didn't follow through with it. I was over whelmed by other stuff going on in my life at the time. I think I am more able to cope with things now, but doesn't the fact that HSBC/DG won in court mean that I have no recourse now? Thanks, Sue
  24. DesperateSusan
    They did. CCJ and charging order. What's most annoying is that the debt was entirely made up of bank charges. (At least the debt before court and solicitors fees etc). Thanks,
  25. DesperateSusan
    Yes. Is the date important? Here is a photo of the letter - looks like a standard letter to me. Sue

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