peebeeh
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Posts
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I will definitely stick with the co-op account then - many thanks
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That's really helpful, thanks. I am going to use my Co-op Cashminder account for the time being. It would be good to know the answer re offset between Lloyds/Halifax as the Halifax account has the benefit of a cheque book, and Co-op doesn't.
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Can anyone advise me please - if I fall out with Lloyds (which I am likely to do) and I have an overdraft outstanding - will funds in a Halifax Current account be at risk of Lloyds grabbing?
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Hi dx - Happy New Year - yes, it's that long that I have been banging my head against the Reliance 'brick wall'. Essentially, I did not get anywhere at all and ended up agreeing to pay off the max that I could from my pension tax free cash and agreeing a very low repayment of the remaining approx£1000. They would accept no discount whatsoever. I did try!
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It does all appear above board - my gut feeling is that I should discharge this debt (while I am in the unusual position of being able to). I have various other issues that I need to resolve including some credit cards. Given my current situation I may be better to turn my energy to these?
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Thanks for checking that out. What would be your advice - do I have any negotiating position at all?
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Hi dx I invested £3 in a land registry report and I am posting up extracts from it. I suspect that it is all in order and that they would wish to rely on any charge? (Reliance Property Loans is a trading name of OneSavings Bank plc)
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I have posted up all of the statements which are complete up to end March'13 Also the redemption statement which I requested from them early August
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At last - I am partially mobile and can hobble to my office. dx - I am posting up the original loan agreement in pdf format - hope I succeed with this ok
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I have looked out the relevant documents and will get them posted up as soon as I can - I am currently indisposed, confined to one room, with broken leg and spinal fracture, so unable to access scanner etc. Expecting more freedom soon!
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Hello dx Thanks for looking in on this. What sort of facts are we looking for here? I have all the paperwork/statements for the whole duration of the loan. The payments are up to date - last one was last week. I have been late a small number of times - charged £35 on each occasion. The original loan although Ocean Money was on Marlborough Loans Limited headed paperwork. I hope this is helpful so far.
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There is certainly no PPI here. Loan taken out 2007 (10 year term) - monthly payments are up to date. Are Reliance likely to have taken over the debt at a discount? Are they a DCA?
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Hi, Does anyone know anything about Reliance Property Loans? They apparently have taken over my debt with Ocean Money. Some years ago in a moment of weekness I borrowed from Ocean, secured against a property. The current balance is about £10,000 and the loan interest rate is 10.428% The payments are far too much for me but I am about to receive the tax free cash part of my pension as I have just reached the qualifying age. I would like to discharge this debt as I would have no hope of making the approx £300 monthly instalments now that I have retired. Is Reliance a DCA? Am I likely to be able to negotiate a settlement figure? Any advice would be most welcome please
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Order received from the court, quote "The Claimant's statement of claim is struck out and the claim is hereby dismissed"
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Thank you all for very kind comments - after the hopefully, last step I will be pleased to pass on the benefit of my experiences
