CO from Barclaycard in 2007. was with HFO now LINK

[overcomer1]

please i need an advice on how to remove an equitable charge from my property which was put in 2007 in favour of barclays.

 

i have contacted barclays but was told it was sold to HFO

I have contacted their solicitors drysdane fairfax and i was told it has been sold to link financial

I was told link financial are verocious please kindly assist

[citizenB]

Have you repaid the monies the charge would have been security for ?

 

I think you need to check with Land Registry to establish who owns the charge - once you have done that you will at least know who you need to contact to remove it.

 

If this was put on as part of a claim against you, then you will need a certificate of satisfaction from the court I think to confirm that any debt has been repaid and the charge requires removing.

 

https://www.gov.uk/government/publications/discharge-of-charges/practice-guide-31-discharges-of-charges

[overcomer1]

i have not repaid the debt

[dx100uk]

if HFO and link have had their grubby hands on it

you can bet your bottom dollar the debt is somewhat 'bogus' and inflated

 

 

tell us the full story

 

 

and whatever you do

don't ring or pay plink.

 

 

dx

[Peterbard]

Why would they remove the charge ?

[AndyOrch]

i have not repaid the debt

 

Then you cant remove it...unless you set a side the judgment ( assuming this is connected to a CCJ) and submit a successful defence.

[overcomer1]

thank you all

 

 

i have written the county court to send me the details of the creditor

and it was barclays who told me they have sold it to HFO capital

 

so i have been advised to set aside the judgement

but i need a good solicitor who can write me a good defence

 

pls i need a defence solicitor to help me set aside the judgement

[honeybee13]

pls i need a defence solicitor to help meset aside the judgement

 

Hello there. We don't recommend specific solicitors here, you would need to look at the Law Society website to find a local firm with the right skills.

 

You may well find that the forum guys can advise on how to deal with this, please bear with us until they're able to get here.

 

HB

[dx100uk]

Barclays - what was the debt type please.

 

 

dx

[overcomer1]

thank u

 

 

i have been told to get form N244

 

 

i want to know if setting aside also can be used for equitable charge

 

the documents for the debt were not posted to me and the amount was grossly over inflated

 

 

i need to properly defend myself and agree repayment since it was a credit card and not a secured loan

[AndyOrch]

You need to work on the basis of your defence before you make application to set a side.

 

Andy

[dx100uk]

who's name is against the charge please on land reg?

Barclaycard

HFO

or

LINK.?

[overcomer1]

the name on the charge is barclays bank/sky credit card

[overcomer1]

am about to fill N244 but barclays confirmed it was sold to HFO

[dx100uk]

so Barclaycard put the charge on in 2007

and latterly sold the account on.

 

 

this far down the line

for the new debt owners to try and enforce it

they would need to get their name substituted .. I think

 

 

and that will never happen .

[Ganymede]

thank u

 

 

i have been told to get form N244

 

 

i want to know if setting aside also can be used for equitable charge

 

the documents for the debt were not posted to me and the amount was grossly over inflated

 

 

i need to properly defend myself and agree repayment since it was a credit card and not a secured loan

 

Why have you left this 8 years before doing anything about it?