Hi Ericsbrother, Thanks for the reply, when we completed the sale the property was leasehold. The garage was transferred back to the vendor using the Land Registry form TP1. As we weren't overly happy at not getting the garage, it was the land it sits on that was more important, so we purchased the freehold for all the land including the area where the garage is. This was done after the sale had been completed and the freeholder took care of all the legal paperwork. As the new freeholder, when the garage is transferred/sold to the neighbour do we have to be notified and can we object to the sale?

An interesting scenario for some advise please: Completed on a property end Jan 2016. At the bottom of the property is a garage which was within our boundary and part of the premises on the land registry search. The property was being sold as leasehold. When coming up to completion our solicitor told us that the garage was not being sold as part of the property as the seller had already promised it/sold it to the neighbour. The seller had done this without completing any of the required legal paperwork with the land registry. At completion we were told that as a condition for the sale to complete, the whole property would be transferred to us and we would then have to sell the garage back to the seller for a token 1 pound. Not overly happy with that but we really wanted the house and got a good price. The garage itself is in poor repair, but it is the land it sits on that we want. From what I understand, the leasehold has now been split into the garage and the property/garden. As we didn't own the land with the property being leasehold, we bought the freehold so that we now own the land, including the garage. Any ideas of our legal position now? * Are we responsible for the upkeep of the garage? * Do we charge ground rent? * Can we give notice to cancel their lease and take back the land? * Can we object to any improvement/change to the garage? Many thanks to all

Hi again everyone, just thought I would give you an update. SLC decided that my payments should be 90 pounds a month, which I have begun to pay. Having worked out repayments according to the SLC overseas threshold, I should be paying back 36 pounds a month. I have questioned this repayment amount on multiple occasions but have received no response . Then I receive this wonderful email : Dear Mr XXXX Thank you for your recent email. In relation to your queries regarding your Overseas Repayment Schedule, we have passed your email to the relevant department who will respond to you in writing in due course. Alternatively, you can contact them on 00441412433660. You currently have a Grant Overpayment of £1347.00 and as we have been unsuccessful in collecting this balance, your account has been passed to Commercial Collection Services. Please contact them as soon as possible on the below details:- Commercial Collection Services 797 London Road Thornton Heath Surrey CR7 6YY Telephone 00448444120344 Email correspondence@ccscollect.co.uk Yours sincerely Laura Wylie Collections Department Student Loans Company 100 Bothwell Street Glasgow G2 7JD Tele: 0300 100 0629 This is the first time I have heard of this alleged overpayment which would be dated around Jan 2009 when I left my course. Any advice on what to do? I am still abroad and the SLC are not up for discussions it seems, its like they are happy to take the money and not enter into correspondence to question payment amounts. I am certainly not going to be dealing with Commercial Collections Service. Anyone had dealings with this CCS? Thanks all

Hi CelicaSupra, SLC sent out some letters following the email wanting proof of income. I sent the evidence that they asked for and am now paying them a monthly installment. I will add that the monthly installment is higher than I had worked out I would be repaying, so I am in the process of asking how they came to their repayment figure with a view to getting it lowered.

Many Thanks for the prompt replies and excellent advice. I shall email them now

Hi Unclebulgaria, I took the loans out in 2008 and first semester of 2009. Circa 7200 in tutition fees and 8000 in maintenance. I have never had contact from the SLC with regards to repaying the loans and I have never deferred payment either. Left the UK in Sept 2009 after mortgage express repossession and various other credit issues. I have no UK address or UK bank account but am returning to the UK within the next 2 years so don't want to cause anymore credit issues.

I have just received the following email from the SLC and was wondering if I should respond ? I left the UK in 2009 and my final default dropped off my credit report in Dec 2015. I really dont want the SLC ruining my credit status for another 6 years. I left university in Jan 2009 and have had no contact from the SLC until this email. Any thoughts would be greatly appreciated. Please respond within 72 hours of receipt of this email. Dear xxxxxxxxxx We have been attempting to contact you. Please contact us to confirm your current contact details and employment status. This is to enable us to update your information accordingly and to ensure that any future communication will be sent promptly. Please call us on 0300 100 0603, if calling from overseas please call 0044 141 626 3770. Our office opening hours are 09.00 to 17.30. Alternatively, you can email your information by responding to this email address and providing the following: Address: Home Telephone Number: Mobile Telephone Number: Email Address (if changed): Employed Yes/No: If you have any concerns about providing the details we have requested then please refer to the Student Loans Company website, for further information. Please be advised this email address is for the purpose of providing the requested information only. If you have additional queries, do not hesitate to contact us on the telephone number detailed above. Yours sincerely Student Loans Company 100 Bothwell Street Glasgow G2 7JD The registered office of Student Loans Company is at: 21 St. Thomas Street Bristol BS1 6JS Registered in England No. 2401034

I'll just keep my head down for a while longer then. I'm not due back in the UK until November for an 8 week visit. That would be six years since possession and longer since any payment or acknowledgement of debt. I'll let the DCA's keep looking. Thanks for the help its much appreciated

Not sure who the letter was from as it was sent to my parents address and my father put it straight into the bin. Contents were that they were looking to find me. A follow up phone call to my parents was from someone saying that they worked for mortgage express and were trying to find out my present whereabouts. No information was given to them.

Hi CitizenB, Thanks for the reply. My sister has never been financially linked to me, however we were both on the electoral role at the same address from 2003-2004. She wasn't refused a mortgage, that was all in place, Mortgage Express refused to sell the property to her, eventually selling it to someone else for less than my sister had offered. It was at exchange of contracts when MX pulled out of the sale. Survey had been completed, mortgage was in place and solicitors were instructed. Amusingly, Mortgage Express stated to my sister that they couldn't sell to her as I may gain out of the sale financially as she was buying the property cheaply.

Is anyone familiar with UKAR and their collection/chasing stratagies?

Anyone any thoughts please ?

Hello Everyone, In October 2009 my Flat was repossessed by Mortage Express. I saw the writing on the wall and left the country a month before, I am still abroad now. I also had unsecured debts of circa 25k. Those with CCJ's have now all fallen off my credit report. I believe all the unsecured debts are now statute barred as its been well over 6 years since any payment or acknowledgement of debt. Mortgage Express sold my property with a shortfall of around 70k. My sister tried to buy the property at a higher price than it was eventually sold for, she went for exchange of contracts and the vendor pulled out stating that it was because she was related to me. I have heard nothing from Mortgage Express until they sent a letter and phone call to my parents last week, I have not lived at that address for more than 15 years. My parents stated I was not at that address and they did not know my whereabouts. Is there any significance that they are starting to look for me know after nearly six years? I have no assets anymore so they have nothing to recover, however I did get married 2 years ago and my wife has 2 properties in her name, I think that these will be safe from mortgage express? Please advise as to what I should do