Wow just read old threads, come along way since then house and credit file clear !!! thanks to this site taking away the fear and lie's people in debt are told by horrible companies trying to make money out of people that are at their lowest, who dont have it ! Cant thank you enough !

Ok Thank You.

Hello, could do with some advise Ive received a scary letter from Drydenfairfax Solicitors for a Santander loan I defaulted on in 2010 I passed the loan/debt onto Step Debt Change in March 2010, in 2016 I did not have enough to even pay Step Change I wrote to Santander explaining this and asked them to write off the debt this was my last correspondence with Santander January 2016. I have had various letters from Moorcroft then Wescot etc which I have ignored, yesterday I received one from Drydensfairfax stating "they are solicitors instructed by our client Santander UK Plc, to obtain repayment of the amount £6804.03 or take appropriate recovery action should you fail to pay". Is this company really solicitors ? what power do they have can they issue a CCJ ? this was an unsecured loan unfortunately I fell on hard times and I could not pay it. Is it safe for me to ignore this letter ?.

Thank you

Hi dx, Sorry for confusion been away for years paying off debts, this charge has nothing to do with Santander. This is a charge from a car leasing company called Adam & Sons my husband entered into a leasing agreement with them did not keep up the payments he handed back the car they sold it and came after him for the balance of the lease he could not pay they took it to court and now have a charge on the jointly owned property. This all happened in 2003, I did not go to court because my husband did not give me any post or correspondence on this until it was to late in fact I only saw the leasing agreement last week. What I need to know is what would happen in the event something happens to my husband would I be liable for this debt even though it's nothing to do with me and the charge is only in his name. Could they stop the house being transferred into my name unless I took the debt on ?

Hi dx. Cash cowed !! Oh god thought I was doing the right thing you see knowledge is King ! The one thing I'm not is cash rich, I just hate the anxiety of theses debts and want rid of them, the company is called Adams & Sons they deal in car finance they have this charge on my jointly owned and still mortgage property the debt and the charge is in my husbands name only, I want to be totally clued up how much power this company has over my home it's sounds like with the right solicitor they could not prevent me selling but in the event of something happening to my husband they have made it sound like I would have to take on the debt ! Could they stop the mortgage company transferring the property into just my name and can they come after me for my husbands share ? What do you think about the fact the agreement that my husband filled in dose not even have the right address ? Dose this hold any clout ? I know if I apply to the Land Registry to warn off the charge they will reject it so shall I just let them sit and fester as they can't make me sell and they couldn't stop a transfer ?

Hello yes I have two children one still at school but not for long he leaves next year , don't mean to sound morbid my husband not planning on popping off yet but this company don't won't take an offer they want the full amount which is £5000 I offered £2000 they have even wrote to me two years ago saying they are sending an estate Agent to drive pass my house and value it so that they would then apply for a force of sale at the time I had three small children living at home and it just worried me as I do not know anything about charges or cautions. I wrote to the Land registry and they come up as a caution on my house, also my husband gave some documentation this debt only last week ! First time I had seen it , it is a leasing agreement for a car that he did not keep up the payments on he handed back the car and they sold it and are after him for the balance this all happened in 2003 and I was unaware as my husband did not tell me or give me the post referring to this issue. I have noticed on the leasing agreement my husband has put down a different address in fact he put down my parents council house ! And on the agreement states he's the owner ! Would this company or rather should they have not done a credit check and realised he didn't even live at the address he had put down .? If they had checked our address he would never had got the contract as there were already charges on the property, which I have now cleared they all took offers in fact one was for £28k and they took £5000 but these guys want the full amount or want me to sell ! . I just want to know where I stand and where on the priority list I need to place these people. Thanks for all your help.

Hi thank you for your reply how do I find out if it is a type k ? And what happens in the event of death not sale would the property be able to be transferred into my name soley? I'm just trying to prioritise debts we have no intention to sell so I would rather bring the mortgage down than pay this company if they do not have any real power over me

Hi please can anyone give me some information with regards to an old charge on my home, the property is jointly owned and the charge is in my husbands name only what happens in the event that my husband die's can the property not be transferred into my name until the charge is satisfied or can legally the company that has the charge not prevent this as the property is still mortgaged and I would be liable for the mortgage therefore can they not stop my mortgage company transferring the property into my name only. Would appreciate any advice or info Thanks Scrudge

Thank You for that you have put my mind at rest.

Hello please can someone give me some advise I have a £7000 debt with Santander which is currently under a payment arrangement with the CCS now step debt change I am paying them £5 a month, after a year of persistent letter writing they have excepted an offer of £2000, in everyone of my letters to them I have made it really clear that this is in full and final settlement of the debt and that they or any other company related to Santander will not pursue me for the balance and that I will be released of all liability, I have received a letter back from them stating that they agree to accept my offer of £2000 to partially settle my loan balance and that if I send payment within two weeks that I will no longer have any liability to pay the remaining balance and that they would not request any further payments but then in the next paragraph they say "If you decide to pay the remaining balance at a later date, an update would be provided to the credit reference agencies to show the debt is satisfied, although the default information would still reamain for six years from the date of default which was 2010. I am confused I would love to get rid of this debt but I am very concerned sending £2000 and them using the wording 'partially Settle' also why do they have to keep it on my credit file surely if they accept a settlement offer it should be then wiped off my file? please advise before a send any money.. many thanks Scrudge

Hi, Seq Thank You for that I have sent another letter to Santander asking them to reconsider the Full and Final Settlement offer maybe when they are only getting £1 a month £2000 might look more attractive to them ! do you have info on how long a charge can stay on your property if no contact has been made ? is there anything like statar barred after so long or is it the case that once a charge has been obtained they can sit there for life. Scrudge

oops just checked a print out I got from my mortgage company Lombard Business Equipment put one on in 1999 then another in 2000, Adams & Sons got put on in 2003. The house is in joint names though all these charges are in husbands name only cant be sure what correspondence he got prior to them going on as he got so bogged down he stopped opening post things got into such a mess I took over dealing with all the debts so to keep the wolve's from the door put all unsecured ones with CCCS only now have I started going through everything one of them and questioning things, thanks to this site learning new things everyday and that I have rights but still very unaware and hate the threaten letters.

Hi, all the charges are in my husbands name I did not know about them until they had already gone to court and been put on the property, they have been on the house since 1997 heard nothing from two of them no request for payment or anything since 2000 but one is with Adams & Sons and they contacted my husband last year have a lovely letter from them saying that they are going to get a local estate agent to drive passed my house to do a valuation then try to force me to sell it their charge is for £5000 offered them £2000 but they said no and havnt heard from them since. scrudge

Yes 3 so if I try and borrow anything against my house they are notified and want paying off first, but I would never get any more finance as want to clear up the mess I have not get into more I have wrote to all creditors they have all stopped interest there is no ppi on any of my debts have applied for cca on one and sar on another as not sure how two of them got to the amount they are stating I owe one has been passed to Lowell but the Satander one is the only one I have made an offer on. Scrugde