Hi.. In terms of the interest on the debt, I hadnt filed a defence because all the post were going to the old address. However, I have since filed a defence and also initiated a clean break order to protect my assets, and my decree absolute is now thru. I have offered them a sum per month, later on the year I will come into a bit of money and have been advised by a solicitor to offer them 3.5k in full and final and get rid of the parasites. More importantly my ex-husbands health is more important

BUMP HELP:shock:

URGENT ADVICE REQUIRED Hi.. This is a long story so I apologise .. Me and the husband owned a property, it was a nice house however the garden was a ski slope. I hired a lanscape gardener to tier the garden, and deck it. On completion of this it was revealed that he had broken a covernant and the builder insisted we let them on the land to turn it back into what was a hillside (ie they filled it in) After this we put the house up for sale and rent, of which we could do neither, the builders then proceeded to bill us for approx £5k. I took legal advice and a solicitor advised me to offer them a monthly payment, of which I did but we didnt keep up with the payment because we seperated and thought the debt would be dealt with on sale of the proeprty. The house got subsequently reposessed and the house was put up for auction, but it didnt sell so its now on the open market. The builder put a charge against this property, but because it got reposessed they transferred the charge onto another house we owned on the estate I thought this was foul play, anyway a lot has happened since then we got divorced and the absolute has just been granted, but to make matters worse my ex-husband suffered a nervous breakdown thru this and is currently recieving daily assistance from the crisis team. Im also suffering from depression. (Not suprising really) We have moved back into the property that they have a charge against (Not the one that got repossesed) and we are making a go of it. However, I am concerned the builder can apply to force the sale. We have two children under 5, and my now ex-husbands health is grim to say the least, I have written to the judge explaining our situation with proof of his condition along with reports from his consultant physciatrist. What I want to know is, I have another 2 buy to let properties can the builders apply for charges on them also ?? I believe the Land Registry have put the charge on, but again the house they have put it against is in my maiden name and my husbands name, werehas the work took place at the marital home, ie my married name. PLEASE PLEASE Can you help me, not only with the charge over our head, it will not be long before Nat West chase for the shortfall also on the marital home. Should I sell all my other assets even tho there in my maiden name ?? Any advice would be greatly appreciated, is there anything I can do ?? I am going to see the CAB, and am writing to the Judge again basically outlining the fact the builder have moved the charge from another house, plus the fact we are now divorced and my ex-husbands mental state. To add insult to injury, a guy two doors down from the marital home did exactly the same thing and he was left alone Thank-you

Hi.. You are protected by statute law, the fact that you are pregnant the bailiffs should NOT pursue you !! Quote this to them, let them know you are pregnant and if all else fails call the company they work for. Good Luck

Herbie, If you want to know the manager at GBC, he is an ex-bailiff, I used to work with him. He is no longer certificated or practising

Excellent idea !!... Although, I cannot understand one thing, with this site. People moan and speak with no or little respect for a lot of these bailiffs, yet nobody is ever prepared to name or shame them ?? Why ?? I know they read the site, but if they are acting unprofessionally they should be named.

No good contacting the manager, hes an ex-bailiff !! My partner used to work for Rossendales and has worked for Gedling Borough Council, they are very tough, will not intervene, and do give permission to uplift.. Sorry its not good news

Hi No.6 That certainly is interesting, is it poss to to PM me a HQ copy of that letter plz. RGDS FB

Thanks zoot your a star

What about when the DD is to the same bank as your account i.e. to pay for a personal loan with the same bank, when the debt is in dispute and you try to stop the DD but the bank totally ignores your DD cancellation and carries on taking monies by what can only be termed as force despite letter after letter telling them not to. Certainly food for thought. Subscribing

Hi All, Hope somebody can advise me. I recently parted with £495 valuation fee for a mortgage with Countrywide Mortgage Company, basically they could not assist so passed it onto First National. It was confirmed that the valuation was ok, it was not de-valued yet they would not let me see this report, although I had paid for it ! :? To cut a long story short I filled out the mortgage application, gave them proof of id, proof of income, etc..etc. This was approx 19th Sept 06, between this date and upto 6 weeks later they were asking rather personal questions like - A) Why is it not a joint application, when we know you have a partner ? B) Will you agree for the affordability to send your car back to the finance house ? C) Were is the deposit coming from and proove you have it ? D) They wanted proof of rental income for 2 other buy to let properties I own ? E) Why does your mother live with you and do you charge her rent ? I thought some of the questions were too personal, and whilst I understand they have underwriting criteria, this was not a high risk loan with a 20% deposit amounting to £20k I was furious. After 6 weeks, I was no further forward, with no mortgage offer nor decline. So I wrote to various key people within Country Wide and First National. :mad: Eventually approx 8 weeks later they rejected me and said they were unable to help me, when I asked why the hid behind the "Sorry you dont meet our criteria" . I told them that I dont think they should have cashed my cheque and carried out the valuation knowing full well they would not be help me. I have since written to them asking for my money back, of which they have declined and sent me a letter with a complaints leaflet. Is there anything I can do to get this money back. I think its disgraceful....................................................................... Good news, is I have got a mortgage offer on the same property with a smaller deposit However, because I had to pay for another valuation it cost me over £1k .......................................................................... So do not deal with First National or Countrywide Mortgage Services, I believe they are unprofessional in my opinion ANY ADVICE PLEASE Many thanks

Part of London Scottish Bank, who buy in debts, bunch of amateurs !!!!!!!!

Which company dont tell me Rossendales..........

If you read the downloadable poc that has been addressed :)

If they are as they suggest then yes you can claim back the charge for failed Standing Orders & Direct Debits. It would be in your best interest to look at the successful claims sub section for First Direct to make sure, as I don't have experience with first direct. RGDS FB