Oh no I’m sorry to hear you’re having these issues Of course - they were ‘Countrywide Conveyancing’ and the Solicitor was Helen Alkers. She did say it’s not normal company policy to go ahead with restrictions in place but she took my word for it and tbh I think they were trying to smooth over how cr3p they had been with their communication with us and their delays lol. worth a phone call though - let us know how you get on MJ regards Madge

Thank you GTN we heard last night that we are exchanging today. Our solicitor has done exactly what we instructed so we are obviously thrilled. She did say that it’s not normally company policy to do it this way and they would normally redeem the debt so it really pays to get good advice (so thank you so much for this) and make it clear what you want the solicitor to do, if they won’t comply find someone who will. again thank you so so much Madge

Thank you so much Andy - this is a brilliant reference as well.

Hi gtn I’ve been reading through your thread 5 CCJ's+restriction k's - been paying 2 after order of sale attempts - want to moved.. NDL say i must pay them all 1st? **RESOLVED - MOVED - NONE PAID** - Page 2 - Financial Legal Issues - Consumer Action Group as we are in the same position as with a Restriction K and wanting to sell. It’s been very helpful so thank you. Only difference is, we have already sold and the sale is now held up due to the restriction raising its ugly head. I can see that you found invaluable info on the Gov U.K. website regarding jointly owned property and this is exactly what I have been looking for due to the conflicting advice surrounding this area. I would really like to send a link to my solicitor but can’t seem to find the info on gov U.K. website and wondered if you could point me in the right direction please. I’m determined this sale will go through without me having to pay this rent off thank you again Madge

Great thank you so much Dx - fingers crossed she understands thanks as well for reminding me she is working for me! Sometimes we forget this don’t we. 5 CCJ's+restriction k's - been paying 2 after order of sale attempts - want to moved.. NDL say i must pay them all 1st? **RESOLVED - MOVED - NONE PAID** - Financial Legal Issues - Consumer Action Group

Hi Dx Thank you for your fast reply I’m not sure I’ve blindly been paying it, we came to an agreement after the Restriction was applied. It was a loan for about 20k which half has now been paid. This is more about the restriction causing issues with the house sale I just want to be totally clued up when I speak to the Sol tomorrow, if she bothers to call me back that is. As far as I could see from other threads on here, the land registry are happy to transfer ownership as long as the debtor has been notified about the sale. The restriction does not have to be removed beforehand (I.e the debt settled). But I think I need a reference/link to this so I can send it to the solicitor. thank you Madge

Hi everyone, I’ve done some searching about both on Google and through past threads but I’m so confused. Can I have some words of wisdom and experience please. I have a restriction on our property deeds (interim charging order) placed in 2010, For an old debt which is in my name only. The property is in joint names. I have been paying paying this off £100 a month since and there’s still a balance outstanding. It was shoosmiths who requested it. we have sold our house and this has now raised its ugly head. I was under the impression that a restriction K means Jack and that the sale can go through with the only requirement is that shoosmiths are told once the ale has completed. However, I’ve just been told my solicitor has contracted Alliance and Leicester about it (on 25/05) and (although this is only per the person taking the call, not the solicitor), they are waiting for a reply. My solicitor is really dreadful at communicating with me but I’m waiting for her to call me back. Can anyone advise where we stand re the restriction. I just want to know as much as I can before I speak with her and there’s so much conflicting around. For info - the wording on the title deeds is as follows: RESTRICTION: No disposition of the registered estate, other than a disposition by the proprietor of any registered charge registered before the entry of this restriction, is to be registered without a certificate signed by the applicant for registration or their conveyancer that written notice of the disposition was given to Alliance & Leicester Personal Finance Limited at care of Shoosmiths, The Lakes, Northampton NN4 7SH, being the person with the benefit of an interim charging order on the beneficial interest of…….. made by the Burton Upon Trent County Court on…… This register contains any charges and other mat Thank you Madge

Ah gotcha! Now I understand

Sorry dx, I wasn’t specific because we’ve been using them and are still paying the minimum amounts, so didn’t think it was relevant re them Having 6 years to do something. Really appreciate your thoughts about it and that’s made me feel so much better. I think I may start the ball rolling and get the addresses changed firstoff thanks again Madge

Mainly 2019 but credit cards before that

no defaults and still with originals.

Thanks for replying - that was what I feared and kind of expected to be honest . I’ll start by contacting the Loan and credit card companies firstoff see if they can help

Hi all, I’ve read back over past posts and gained some really helpful info but our situation is a little different so I wonder if anyone has any useful info please we moved to Spain just before Brexit and got residency here, leaving with debt back in the U.K. fully intending to carry on paying what we owe and have done since . However, due to rising costs of living here in Spain we’re really struggling to keep on top of it all. I’d rather not walk away from it but 99% now feel it’s our only option. We have no assets in the U.K. but have still maintained a U.K. address (my parents address) as this is necessary for work (we work remotely for a U.K. company and it was a condition of being allowed to move here). So it’s impossible for us to give that up. If I write to all our creditors to give them our Spanish address would they still pursue us still in the U.K. I don’t want my parents to be harassed. Im Just not sure which way to go with this so any advice would be very much appreciated. My debt is 2 x loans (£7000 and £1500 2 x credits cards £4400 & £1700 and hubbies is pretty much the same amounts. TIA Madge

Hi Dx, I cant open the spreadsheet 'statintsheet' I have excel on my computer but its downloading as a php file. Any ideas? Thanks Madge

Can anyone help with my last post please ?

No nothing Andy

Oh god 'Rectums' I love it!! You have a way with words DX.

Hi Andy - I've just checked on-line and it says: Your defence was submitted on 09/01/2015 at 11:37:59 Your defence was received on 09/01/2015 at 14:00:50 Restons wrote to me on 03/02/15 to say they had received the defence and they were awaiting copies of the necessary documents and will endeavour to provide them as soon as they are in receipt of the same. What now Andy? Madge

Hey everyone, I've not heard a word about this and I submitted my defence on 9th Jan. How do I find out what's happened?. x

Righty ho! I'm almost ready to submit my claim, I have my statements back to 2006 and I have the CIS spreadsheet V101all completed. I just wanted to check a couple of things with the experts please. I've included on the spreadsheet the following 1)Arrears monitoring fees of £45, £50 and £54.00, 2) Field Agent Fee £37.00 3) Debt Home Visit £46.00 4) Letter of formal notice fee £37.00 5) Prop inspection visit £37.00 Also what interest rate should I be using?. The mortgage was taken out at a rate of 5.9% in 2006. This changed to the based rate in about 2008/2009 and has been running on this ever since Thanks guys Madge xx

Hi everyone I've only just checked back here and seen your posts following on from my last one. There aren't any charges for us to claim anyway folks - we paid on the dot every month until the agreement ran out. Then we couldn't afford to hand the car back with the excess amount they were charging and they wouldn't let us have another agreement with another car. When it got to link the only charge they popped on was the legal fees of £200.00. Thanks for raising it though Madge xx

I am indeed Andy - We got to keep the car Thank you for your help everyone xx

Hi guys Just to update you - We got a suspended order so we get to keep the car as long as we keep to the payments we have offered. What confuses me is that if we fail, they get the car, it doesn't mention anything about the outstanding balance. I'm beginning to think that what Jasmine said about the car being worth what we held some weight "I think your best course of action is to decide carefully if the car is worth the money left outstanding?" Not that it makes any difference really, we want to keep the car anyway Thanks everyone for your help, I'll be making a little donation to this wonderful site to show my appreciation Madge xx

Good Luck Pup, I'm about to do the same with Mortgages PLC. Got my list of all the transactions with the charges so just looking for the spread-sheet to pop it all on. Ill keep checking in on you to see how its going Madge x

SAR to be posted tomorrow so I can start the claim for unfair charges. I have also replied to them regarding the letter they sent advising they could only set up an arrangement over the phone. Told them where to go and that I would only deal with them by phone or email and if they had any questions about my offer they could write to me about it. I also added If I haven't heard anything in 14 days I will assume that my offer has been accepted and that no further charges will be applied to my account. I'll keep you updated Madge