GuruHari
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2xHFC/Restons Marbles cards CCJ's then CO - want to settle
GuruHari replied to GuruHari's topic in HFC (Household)
I will inform the solicitor to make sure about the charge. Thanks GH -
2xHFC/Restons Marbles cards CCJ's then CO - want to settle
GuruHari replied to GuruHari's topic in HFC (Household)
Thanks. I am re-mortgaging to extend my mortgage term and convert it to a repayment mortgage, as the current mortgage comes to an end in 2019 and it is interest ONLY (5.75% VERY HIGH) as the endowment will not cover the mortgage and I will get a much more competetive interest rate now. So i was planning to borrow extra to cover the charge and pay it. That is why I was wondering if the creditor would accept a lower full and final offer. I thought that I would be forced to have the charge released as the new lender would not allow it. So I will now let the conveyancing solicitor to advise me the best way to go about it. But any advice here would also be much appreciated. Thank you GH -
2xHFC/Restons Marbles cards CCJ's then CO - want to settle
GuruHari replied to GuruHari's topic in HFC (Household)
is that good 2 separate restrictions? Is it still counted as a Charge on the property? Can I have it removed without making full payment? -
2xHFC/Restons Marbles cards CCJ's then CO - want to settle
GuruHari replied to GuruHari's topic in HFC (Household)
CO Details.pdf -
2xHFC/Restons Marbles cards CCJ's then CO - want to settle
GuruHari replied to GuruHari's topic in HFC (Household)
I have just checked can I post the relevant portion here with personal details omitted? -
2xHFC/Restons Marbles cards CCJ's then CO - want to settle
GuruHari replied to GuruHari's topic in HFC (Household)
All the court papers say: "Claimant: HFC Bank Ltd." Can I still do something even though I have been to court over 10 years ago and the court has given me a CCJ and a Final Charging order. And I have been making repayments as requested by the Courts? -
2xHFC/Restons Marbles cards CCJ's then CO - want to settle
GuruHari replied to GuruHari's topic in HFC (Household)
It was Restons Solicitors who took me to court. I have requested for the latest Statements of Accounts. The CCJ's don't state any interest to be charged. -
2xHFC/Restons Marbles cards CCJ's then CO - want to settle
GuruHari replied to GuruHari's topic in HFC (Household)
Yes both Marble credit cards were in my name. And the mortgage is in joint name with my wife. -
2xHFC/Restons Marbles cards CCJ's then CO - want to settle
GuruHari replied to GuruHari's topic in HFC (Household)
1st credit card: Original creditor is HFC credit card Default Bal £10,700 since then 2004 £1900 collection charge, 2005 court costs £950 and further collection charge of £1900 in 2010 the total showing on the account statements to June 2011 is £15,200 less payments made of £4500 so bal £10,700. I have since then paid £1000 so current bal Appr. £9700 2nd credit card: Original creditor is HFC credit card Default Bal £11,500 since then 2004 £1790 collection charge, 2005 court costs £900 and further collection charge of £1790 in 2010 the total showing on the account statements to June 2011 is £16k less payments made of £4600 so bal £11,400. I have since then paid £1000 so current bal Appr. £10,400 taken to court by Restons in 2005 subsequently court making a final charging order in late 2005. We have been paying Restons £30 per month. Have statements up to June 2011, when they tried to increase payments by threatening to no avail. I would like the second charge removed, with help from my family and possibly a re-mortgage. My question is a) Will Restons negotiate to a lesser amount to release the charge & b) the best to go about this. Thank you GH -
We had a second charge against our home of aapx. £24k about 10 years ago. we have been paying £30 per month since then. So the current balance will be around £20k. My family want to help me remove this charge. Can someone please give me any advice on how to best approach this. A sample letter to write to the debtor maybe asking for a discount to settle and release the charge. Thank you. GH