Removal of Charge on Title Deeds

[tedney]

I would still appreciate some advice as per the previous post number 23.

 

Also as per this thread,

 

original "debt" was assigned to Phoenix,

as told to me by Weightmans I was not infomed of this by Marbles/HFC,

 

Weightmans then adivsed that debt had been sold to Marlin, again I was not informed of this by Phoenix.

 

Now, I have been informed by Weightmans that their client is now "Cabot Financial (Marlin) Limited,

and the "Legal Owner of the account is Marlin Europe 1 Limited.

 

What do you think is going on here please?

 

Seems to me I've got three agencies now invloved in this one issue.

 

I am still paying monthly, without missing any payments.

[Andyorch]

All one and the same company Tedney

[tedney]

 

Thanks andy, really, you mean Weightmans, Marlin, Cabot all same? Didn't know that!

 

Just found this on their blog, thought I would post up for info, note the date.

 

"From 2nd March 2015, Marlin Financial Services are now part of the Cabot Credit Management (CCM) group. In addition to this, we will be changing our name to Cabot Financial (Marlin). Due to this the Marlin Financial website is currently being updated to reflect this change."

[Andyorch]

[tedney]

Update

Even though account assigned/sold 2 or 3 times since default,

I have been advised by OC to amend sort code for my monthly payment.

 

what do you think the status of the account is please?

Has it been sold?

Has it been "assigned"?

What, if any is the difference between assigned and sold?

 

Also having looked at some other threads on here,

has there been any update and/or clarifictaion on situation regarding an OC having a charging order,

but the debt has been "assigned/sold"?

 

Thanks

t

[dx100uk]

sold to phoenix years ago

[see the charge off date by HFC in the statements earlier]

 

 

about time you requested up to date statements.

how much is left to pay?

 

 

dx

[dx100uk]

they don't need the restriction cancelled by RX3 or RX4.

[Andyorch]

Topic open

[tedney]

I sold my house and completed on 16th January 2023. The holder of the main mortgage was paid off in full on that day, and their entry on the title deeds of the property were removed the very next day, I received written confirmation from both the bank and the Land Registry.

 

Also paid off on the 16th January was a debt to HFC bank, which was being administered by Mortimer Clarke. I was "conned" into agreeing the charge on the property years ago, albeit it was my credit card debt and the property was in joint names at the time. There was an old thread about this Marbles card debt on here a few years ago.

 

I have checked with the Land Registry today and found that, despite the HFC debt having been paid, the charge has still not been removed, almost 3 months after the payment.

What is the best way foward with this matter please?

Thanks

t

[dx100uk]

eh?

was it not only a restriction K your debt joint home.....IT DIDNT NEED PAYING!! you've been had!

 

On 25/08/2014 at 16:11, dx100uk said:

you cant have a CO on a joint home

its only a restriction K

dx

 

told you this 7yrs ago 

 

On 27/08/2014 at 17:00, tedney said:

Both parties signed at the end of the form.

opps very long thread.

 

dx

 

[tedney]

Thanks for you comment dx,

I realise from previous posts that I was conned, but rightly or wrongly, following incorrect advice from a local solicitor at the time, my wife signed a document to agree to the charge on the property and the charge was placed after a court hearing and is still,

 

as stated on my last post on here, and almost 3 months since the sum was paid on the Land Registry Title register. I am concerned that, if not removed, it might have a detrimental effect.

 

The precise wording on the Title deeds is: Entry Date 2007-06-15  Charge dated 19 April 2007 in favour of HFC Bank Limited.

 

Do I chase my solicitor who paid the inflated debt, or HFC, whose name the charge is on the register, or Mortimed Clarke who was the solicitor representing HFC?

t

[dx100uk]

i would almost be 1000% correct if would say after +8yrs the debt had been sold on.

 

 

who was this charge paid off too and by what method and by whom?

all HFC existing stuff is now owned HFBC

[tedney]

OK, thanks dx,  the debt was passed around to Weightmans, Phoenix, Marlin and then I was getting chaser letters from Mortimer Clarke.

 

The solicitor who handled the sale of my house paid Mortimer Clarke as far as I know.

 

I think my solicitor contacted them initially ( I gave the solicitor their details as they had been chasing me) They quoted a larger sum than that was owed, and my solicitor told me that, in the interests of getting the sale through, to pay first and I told him I would pursue after sale to recoup the overpayment.

 

It was paid I think by bank transfer to Mortimer Clark by my solicitor.

 

[dx100uk]

On 01/04/2015 at 12:59, Andyorch said:

All one and the same company Tedney

cabot group

 

so you need to complain to cabot

dx

[tedney]

Thank You dx