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Found 2 results

  1. 2007 stepdaughter and her husband took a secured loan (against house) for £10k. They subsequently separated and daughter was left high and dry to pay mortgage, loan and bills etc. Inevitably she fell into arrears but managed in 2014 to pay off all the arrears and has continued to pay monthly. The loan term ends in April 2017 and she has now been told she must pay £32k in further interest and legal charges. If she doesn't pay they will repossess. This would bring the total cost of the loan to over £50k as she has already paid them in excess of £23k. Ombudsman has investigated but says her claim against them is out of time according the paperwork she has seen from Swift. I was thinking of writing to the company and asking them to extend the term and freeze the charges and perhaps to offer to pay a lump sum to reduce the cost - but we can only afford a couple of thousand. Would they be obliged to accept an offer to continue payment? We fear the only alternative would be for her to sell the house but she has three children of 17, 13 & 12. Would paying a debt solicitor for legal advice/intervention be likely to help in any way? Finally although permanently separated she and her husband are still legally married but has not even contributed child maintenance. Would it be reasonable to give Swift his contact details and ask them to serve proceedings on him also? As you can tell - we are in turmoil and need advice urgently on what steps we can take to prevent my stepdaughter and her children being made homeless.
  2. Hi, I wonder if anyone can assist me, I am now at the end of my knowledge. My stepdaughter had a bank account with lloyds-tsb and around December 2007 got into a little muddle. The upshot being the account went overdrawn and they slapped what looks like £100+ per month in charges on (Some months they are £270. From what I can see is in the month of Feb 08 she starts the month 8.57 OD after the charges she is £-140.79. This just then spirals. For some reason after that all activity stops apart from the odd charge, and then they keep one Direct Debit running to "LoansDirect" this of course bounces as she isn't working at this point so no money is going in. She was for a little while paying a monthly amount, but the debt was still going up rather than down so she stopped paying it. Fast Foward to now and we have what is in all fairness a debt of charges. Is there any way I can pursue this to have some or all of the charges refunded to the account, which would leave probably a reasonably managble debt. She isn't disputing the fact that she owes money, but more the fact that at least 80% is charges. I have done an SAR and have what can only be described as a forest of paperwork. I have a list of transactions as well. Any advice on how to proceed?
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