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DDhelp

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Everything posted by DDhelp

  1. DDhelp
    I need them to go away once and for all as its affecting my relationship
  2. DDhelp
    I couldn't - bank overdraft
  3. DDhelp
    Yes
  4. DDhelp
    Thanks I have done that but they are saying that they won't go away until they can find the actual payment
  5. DDhelp
    A DCA is chasing me for a debt that the court shows as settled (I have cert of satisfaction) and they lifted an interim CO. This dates back to 2013. They now say that they can't find that payment was made. I can't prove that I did as I don't have records from them. What do I do? I sold the property with the original order and now live in a new mortgaged home with wife who didn't know me at the time of the original debt. Can anyone recommend a good solicitor to sort them out for me? Thanks
  6. DDhelp
    Two HSBC overdrawn defaulted bank accounts there wasn't much to contest
  7. DDhelp
    yes
  8. DDhelp
    Yes, one was discounted rate
  9. DDhelp
    Hi I would be grateful for advice - I have two certificates of satisfaction for PRA debts. One they have a record of and the other they claim not to. When I recently tried to stop payments on the one they claim not to have a record of they asked for proof of payment ie bank statement. I don't have that as I think that it was arranged by my ex wife and there is no way that I am going to her for anything. Surely the court would have sent them a copy originally? Where do I stand on this? I think that they owe me about £600 since I should have stopped paying this. Thanks
  10. DDhelp
    MCE bought the debt from HFC I think I was paying Mortimer Clarke monthly payments. Although there may not be paperwork, there was a CCJ IN 2007 and an interim charging order
  11. DDhelp
    It was HFC
  12. DDhelp
    Hi I would be grateful for advice on this. I sold my house two years ago with a number of interim charging orders on it and purchased a new property. My solicitor advised creditors after the sale. So far, so good. I had a payment plan £32.50 per month in place with one of the creditors HFC - Mortimer Clarke - MCE Portfolio 12 months ago they stopped taking payments and I didn't think anything of it this week they have been in contact asking for an updated income/expenditure statement. When I called them to ask what this was about they were a bit put out that I had moved without paying them back, or providing a new address. The debt is from a CCJ in 2007 from HFC for £8,400 and as I am in a new relationship I need to sort this out asap. I asked about a full and final offer but all they would offer was £6,700 which I can't afford. Any ideas about what they could do if I just ignore them? Can they apply for a new interim charging order? or attachment f earnings, for example? I don't really want to get into a review of my finances as this had nothing to do with my family (wife and young daughter) and I don't want a negative impact on our family finances. Thanks
  13. DDhelp
    Hi all I had two ccj debts with Aktiv Kapital which have now both passed the 6 year point. Both had interim charging orders on my house. I paid off one of about £3k and had the charging order removed. They very kindly also sent me a receipt to show that the other debt was clear (which it wasn't) I forwarded that to the court and had the other charging order removed. I moved house a year ago and I am still paying £20 a month to Aktiv Kapital. Any thoughts about what they could do if I stop these monthly payments? The CCJ wasn't really settled although they gave me a receipt and I moved house. I am tempted to let sleeping dogs lie but equally I wouldn't mind asking for a refund on the £20 that I have paid for the last 12 months. I haven't heard anything from them and they don't have my new address yet. How clued up are they?
  14. DDhelp
    I too don't think that this is right. I haven't questioned them as they said it was their final offer and referred me to the Ombudsman. No breakdown provided, no response to SAR either and they have sent a cheque for the interest. I still have the second card to sort out as they are asking for a second PPI claim form for it - even though I put in a general Egg claim Any suggestions?
  15. DDhelp
    1. The date is 2004 and that must have been when the account defaulted/closed by Egg. 2. My understanding of the offset issue is that they cannot do this as they were not the original lender see quote from Ombudsman's web site. Have I misinterpreted this then? We often decide that it is fair for the business to “set off” the compensation payable for the mis-sale of a PPI policy against the consumer’s arrears on their account – and remove or reduce those arrears. But we would not consider it fair for a business to require the consumer to reduce the balance below what would be outstanding now if the PPI had not been added. However, if the business that sold the PPI (and is now compensating the consumer) is not the lender, none of these considerations will apply and the compensation should be paid to the consumer as normal. 3. Assuming that Barclaycard were to base their calculations on the one year would the figures shown be correct in your view? 4. Should I cash the interest cheque or does that compromise any future discussions? Thanks
  16. DDhelp
    Hi all I have to old Egg accounts that were transferred to Barclaycard. Both account closed and in default more than 6 years ago. Balance on both accounts was £10,000 each and is still outstanding. I submitted PPI claim and have received a letter from them upholding my complaint (one one account so far) and offering the following - Refund of CRP payments to 10 March 2002 £217.15 Refund of interest charged on CRP premiums £3.95 8% simple interest inc extra 45 days £165.83 Total = £385.93 They are applying refund to my debt (which I know they are not allowed to do) and sending me a cheque for the interest. I have made an SAR which is now overdue and will now go the County Court route as I am not convinced that the figures are correct for a £10,000 credit card balance. When I called them they said that that the card start date was 1 year earlier. This not correct and I can't prove it but it probably works to my advantage as CRP on £10k in one year must have been impressive. Two questions that I would like help on please - 1. Should I send the cheque back to them for the interest as they owe me the full amount as they have bought the debt from Egg? 2. Should the figure be higher than the one stated? Apologies if this crosses any existing threads bt I haven't found anything similar Thanks
  17. DDhelp
    House is in joint names and its a restriction only against my equitable share and only requires certificate from conveyencor to state that charge holders informed. I know that that this isn't enforceable but I want to sell or remortgage and I don't want to scare off any prospective purchaser and its difficult to find a conveyancor who understands the position
  18. DDhelp
    Thanks Would I be correct in thinking that its unlikely that they could do anything with the interim charging order if I wanted to move house?
  19. DDhelp
    Hi all I have two interim charging orders from 6 years ago for Egg credit cards which have now been transferred to Barclaycard. I suspect that Barclyacard don't have all/any of the paperwork and I have made a SAR to Barclaycard. If it dos turn out that they don't have my records can I use this to get the interim orders set aside? Thanks
  20. DDhelp
    I have an interim charging order from Egg (2006) which shows on my deeds as a restriction on my equitable interest in the property, which is jointly owned with a non debtor, my ex wife Egg sold my account to Barclaycard - will they have re assigned the interim order to Barclaycard as part of the deal? How easy would it be for Barclaycard to convert the interim order into a full order? Thanks
  21. DDhelp
    Thanks for your response Andy but my understanding is that this is incorrect. A restriction in itself will not prevent a sale see www bllaw co uk article Once the property is transferred to me I can see that the situation will change as my share becomes 100% but I am not sure about the practicalities of this. All the original debts have been sold on and the charges were taken by the original creditor. How on the ball are DCA likely to be? will the spot a transfer and act? Egg debts sold to Barclaycard, HFC has been sold to Lowell Thanks
  22. DDhelp
    (04.12.2006) RESTRICTION: No disposition of the registered estate is to be registered without a certificate signed by the applicant for registration or his conveyancer that written notice of the disposition was given to Egg banking PLC (Co. Regn. No. 02999842) at Pride Park, Riverside Road, Derby DE99 3GG (A/c Ref: xxx being the person with the benefit of an interim charging order on the beneficial interest of xxxx I have four of these dated 2006/7 and they are restrictions because my ex wife is joint owner of the property. What happens to these restrictions if I- 1. Have title transferred to me as sole owner? 2. Remortgage in joint names with new wife? 3. Sell the property and buy a new one in joint names? Thanks
  23. DDhelp
    Can anyone recommend a really hot solicitor who specialises in charging orders and civil litigation please? probably best by PM Thanks
  24. DDhelp
    Hi all I would be grateful for advice on the following - I share joint ownership of former matrimonial home with ex wife who signed her equity over to me as part of the divorce consent order agreement. Mortgage lender has agreed transfer of title to me but she has to stay on the loan. I have interim charging orders on the property for debts that were in my sole name. They are shown as restrictions against my equity my concern is once I own the title could the restrictions easily become full charging orders? I have remarried and would like to get my new wife onto the title. As I have a ccj outstanding the bank won't remortgage us jointly and I don't want a new mortgage as we might want to move next year and most adverse credit mortgages lock you in for the first two years. Wording of restrictions is No disposition of the [registered estate or registered charge dated [date] is to be registered without a certificate signed by the applicant for registration or his conveyancer that written notice of the disposition was given to [name of person with the benefit of the charging order] at [address for service], being the person with the benefit of [an interim]or [a final] charging order on the beneficial interest of [name of judgment debtor] made by the [name of court] on [date] [Court reference Thanks
  25. DDhelp
    I would be grateful for any advice on the following issues with my new kitchen worktops from Bushboard Encore. We paid approx £2k for two new worktops from 360 Kitchens and Bathrooms in Thronton Heath. They installed on December 8th and we are really unhappy with the results. They insist that they look as they should, Bushboard say that they don't but won't put it in writing. 360 Kitchens say that they don't usually invoice for fitting, but on this occiasion they did so they are liable but are wriggling like mad. Any advice on how we can get an independent view on the installation? Thanks

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