House sale going thru, but 2 Restriction k's, an AEO and some old debt **SALE COMPLETED NO ISSUES**

[Worryworm21]

Hi,

thank you for your help previously.

I am now so close to exchange/completion and have been contacted by my solicitor to advise the buyer’s solicitors have now asked that the creditors are contacted to establish their requirements to remove the restrictions. 

My solicitor had previously advised this was not necessary and I have replied to say as such but Im now worried they’ll not wish to proceed and I’m not sure what I can do/say to get this resolved if the issue is the buyers solicitor?

 

[dx100uk]

simply ask them to read and understand the entry properly.

under the law it quotes, simply says that they should inform the restriction k holder upon sale. (disposition) 

however you could also point out that as that is a natural process which land registry does when they update the registry, there is (effectively) nothin they need to do. thats what most buyer conveyancers do in my experience.

there is no legal remit for them to contact before the sale.

dx

[Worryworm21]

Thank you. I have replied I am just waiting to hear back. It is difficult when it is the buyers side so hoping my solicitor is able to get their understanding.

they want us to complete next week and I have also explained that doing as they request will delay matters so hoping they will agree. I just can’t settle with it being g out of my hands

[Worryworm21]

Just to update. My buyer’s solicitor agreed with contact being made on completion. 
 

it’s been a stressful few days with this hanging over me and as we didn’t exchange until day of completion I was concerned it would crop up again, however it didn’t. All went through and we moved into our new home without having to pay anything to the creditors. 
 

thank you so much for your advice. Is there anything I need to do with the creditors now? Do I give them my forwarding address and could they possibly take any further enforcement action? 
 

thank you 

[dx100uk]

as i said from post 2.. well done.

 pers id go in and wind the sols up that was playing you around, just think of how many people shes made pay them in the past through bad advice she gives.

as for your debts, simply write to everyone informing them of your new address with ref to debt no. xxxxx ref original creditor xxxx debt type xxxxx.

restons are absolute fleecers and will probably threaten to murder your nan's budgie, bit in all  truth there is very very little HFC can do about. comeback here if you get anything you re not sure about. but above all do not ever respond to them check here 1st. carefully read the letters, they say every word but WILL!!.

hows this AOE going did you get that sorted too?

dont forget to also inform the dvla on each car and each driving licence SEPARATELY too that you have moved... you cannot do it in bulk . 

dx

[Worryworm21]

Thank you. 
I think I might, it’s shocking that they can give out incorrect advise and get away with it.

I haven’t done anything yet,

I had spoke to Intrum who have closed my account saying it’s statue barred (they were the last owners of the debt)

my HR have advised me to contact chaps to see where it’s being sent, which I will do now we have moved as I didn’t want to rock the boat. 
 

re:the dvla thank you, that’s my next job.

 

thank you for all your help 

[Worryworm21]

Hi, 

i have received a letter from restons saying they know the house was sold and asking me to make payment in order to lift the charge (even though it’s already sold) I haven’t responded, not sure if I should?

just wondering what action they could possibly take, do they have to go back to court to reinstate he CCJ or can they just look at another method of enforcement? I’m assuming they’ll persist on contacting me the ccj is from around 2011. 
 

also in relation to the AOE I’m stuck, I’ve contacted chaps who state they need the reference number to confirm where the money is being sent which I don’t have anymore. 

[dx100uk]

ignore restons totally nothing they can do.

4 hours ago, Worryworm21 said:

also in relation to the AOE I’m stuck, I’ve contacted chaps who state they need the reference number to confirm where the money is being sent which I don’t have anymore. 

surely your wages dept/HR must know where they sent this money too? this is unbelievable the a wages dept just blindly pays without LEGALLY checking it's enforceable.

if this were me id be waving my arms around rather wildly wanting answers why have you dont this and where my money gone... i want it back please.

dx

 

 

[unclebulgaria67]

Exactly, the AOE deduction amount will be noted on payroll with Bank details and reference number. So just contact whoever deals with payroll that produces your wage slips and pays amounts due.

[Worryworm21]

Thank you. I did and they just said it’s all done through chaps so contact them. I’ll try again but as I work for a big organisation our payroll is only contactable via email/phone so it’s reliant on whoever answers unfortunately. 

Do you not expect restons to persist with enforcement? Im just so sick of them I want to be left alone, I’ve probably paid what I owed 3x over but have no original paperwork, I can’t even remember how much it was originally for I was only 18 

[dx100uk]

ignore restons, nothing they can do now bar willy wave, shame you paid all that money when you didnt need too.

the ccj still exists, it doesnt need reinstating? whatever that means.. they would have to return to court to do anything of which you'd be advised, but as the ccj has not been enforced in over 6yrs thats very very rarely granted.

dx