Lloyds TSB Mortgages - in court tomorrow - need urgent help!!

[dx100uk]

my case notes on this thread.

HL Interactive on behalf of Lloyds TSB.

got CCJ by default [i was a coward]

for £21k [£6k rolling interest]

manchester county court on 22nd of September 2006

for house repro shortfall from 1999.

from a Land Registry search that after we were repossessed in February 1999

the House was sold at auction on 27th of August 1999.

We signed the mortgage 1/11/1996

int now frozen [apr 2012] [debt now £20k still in 2012]

HL legal pleaded not to go back to court

[ released old charge on old house in 2006]

poss because they took me to court after 6yrs had elapsed re INterest allowed to be charged?

CML code of conduct

I have a piece of paper from the court which clearly shows interest being added only up to the judgement

sept 2012 - today a letter states that a company named Shoosmiths of 3 Hardman street, Spinningfields, Manchesster are now acting on Behalf of Lloyds TSB regarding the mortgage shortfall and will contact us shortly.

 

Following the telephone conversation Lloyds TSB did not even know my wife and me are still together i apparently owe £2500 and my wife owes just over £8000 for her half.

 

This explains why Shoosmith contacted my wife about the debt and did not include my name, Lloyds TSB are stunned that we have a joint CCJ and A tomlin order with HL in joint names and that HL stuck thousands of pounds of interest on without them knowing.

 

thus..i have is that we unknowingly signed a tomlin order which keeps things as they are,

we unknowingly signed a Tomlin Order because the guy that the Citizens advice sent us to see, i think it was a company called Money plus, he never once told us or explained to us that it was a Tomlin order or the implications of it.

 

 

 

 

 

how did you get on with the SRA?

 

i really really think you do not owe half this debt if ANYTHING>

 

did you ever get the SAR details back

 

i'e mortgage statements>

 

dx

[gideonssword]

yes i have them looks dodgy, some things have been blackened out to prevent me seeing them.

[dx100uk]

scan them all up please

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx