Budsmum
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Everything posted by Budsmum
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I'll send a sar in and go back through all the PPI claim again. Do you think that is the reason the balance has raised and if the claim is successful this time will the default have to be removed off my account
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I'm using my phone but I can't get any option to upload or attach anything
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They tried, I defended and they sent me a without prejudice letter saying they were not proceeding. They filed the claim but didn't proceed after my defence
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I will send a sar
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Why is it showing on cra file as increased. Is it court costs they have added to it. I have screen shot it , how do I upload a picture
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Lowell tried to take a claim against me circa 2 years ago on an old littlewoods debt. As far as I recall it was entirely PPI and fees. I tried to reclaim PPI and fees but was rejected but Lowell ceased the claim , without prejudice. At this time we were having an awful time marriage wise , cannot find any paperwork and old desktop has now been binned with all scans etc. email address used for correspondence was old bt and I cannot get access. I didn't go any further with anything Surprise surprise today I get a letter in the post today from shop direct saying they are reviewing the way claims were rejected in the past blah blah blah please fill this in. Now as per middle Default is showing as in 2012 for £200 but Lowell have added another £250 to it. Probably me being paranoid but is it the idiots trying to get me for more info to recommence the claim? My cra is dire for another 3 years so losing a default will not really help much
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It's a joint debt
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The co came about due to an overseas property that was repossessed. The bank sold the property for next to nothing. I honestly do not know if there is interest accruing. When we filled in the court paper work we even made a repayment offer which was rejected We initially thought it was out of jurisdiction but it's not as within the EU
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Our borough council are tough and they have been known to deem repossessions as volunteerly homeless. I work in housing and I have seen it. The fact that our son is now registered disabled but our mortgage is affordable and if we give up work to care for ds, as he attends mainstream school with support, it won't look good for us
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I don't know, I presume they didn't as the HA didn't contact us
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I will try and see if we can get a solicitor the bungalow would also have removed the HA stake in the property
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Ss will provide a loan to cover the cost of adaptions with the interest rate quite high. The best scenario for us would have been to move to a much cheaper 2 bed bungalow as we would not have been in debt and would be way more affordable on 1 wage
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It's limited, as we "have money " as in equity in the house we are expected to fund it ourselves as technically the ltv is showing up as circa 50:50 but it is a shared ownership property and the HA own the majority of the equity with a preceding charge on the property
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Oh god , we have only about 40k in equity and the co is for 100k . They refused every offer of a payment arrangement. Is there any way around this? Can they force the sale if equity reaches co amount?
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First of all thanks for reading We need to sell or remortgage our house as son is disabled and we need to either make adaptations or move to a bungalow. We bought the house 7 years ago but had debt in the past and just after we bought the house we were chased heavily and they got a ccj against us. They put an interm charging order on the property 3 years ago. I am not aware of any final order had been made and they have not communicated with us since. I have obtained a copy of land registry and it sates the following : Equitable charge created by an interm charging order of the xxxxxxx county court dated xxxxxx in favour of xxxxx. Court reference xxxxxxx What does this mean? If we sell do we loose all equity? If we remortgage will the money pass to them?
