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Hello all and hope this is in the right area for posting this...if not I can remove and repost if directed, thanks.
Ok here we go...the sob story....I have had my head in the sand
about all my debts for years, mostly from losing my job in 2009, family loss before and after and some health issues since but none of that really matters as the ball keeps rolling...so to now!
Where having had Land Registry contact me (a second time) with regards to both a RESTRICTION & an AGREED NOTICE (for 2 separate debts), it is clear that this cannot continue so I have to do something about it, so if anyone can give me some advice or point me in the right direction of what I can/should do then I would greatly appreciate it!
Not sure about how much info you need but will provide as much as possible, in as concise a way I can (I am able to scan any of the documents I refer to herein if needed).
Debt 1: £3018.44 (inc. costs/interest/fines)
Original Creditor: halifax
Original Loan Date: This was a bank account and monies owed is overdraft
Original Loan Amount: £2000 (overdraft limit)
Debt Company(s): Cabot
Solicitor(s): Mortimer & Clarke
Date of Land Registry contact: 27/06/18
Action of Land Registry: Document B132 ‐ ENTRY OF AN AGREED NOTICE
Notes: I have no old bank account documents from Halifax but can always request them? Not sure if that is possible...
Have previously made payments (of £1 & £10 an agreed payment plan) but no payments made for over 6/7 years
Debt 2: £8501.21 (inc. costs/interest/fines)
Original Creditor: Northern Rock
Original Loan Date: 2007/2008
Original Loan Amount: £7000
Debt Company(s): HPH2 EX SANDTANDER UK PLC, Robinsons, Hoist Portfolio (which is also the same company as HPH2...I think)
Solicitor(s): Howard Cohen
Date of Land Registry contact: 24/08/17
Action of Land Registry: Document B136 (CO) ‐ AN APPLICATION TO REGISTER A RESTRICTION AGAINST THE LAND
Notes: The original creditor loan was taken out with Northern Rock but I do not have any of the old documents
Not sure of the exact date that I took out this loan but think it was at the end of 2007 early 2008
I have not made payments to them for over 6/7 years but their documentation states £0 paid at all ‐ I would have to request old bank statements to confirm
Guess the question is can I do anything about having these removed?
Are the debts still enforceable?
Should I ask the Debt Companies for the date of the original loans? I think they got the charging orders in before the end of the 6 year period for collection (not that I was playing it that way just from what I have read recently.
Can I still ask them to provide proof of debt?
Is requesting a CCA pointless now?
Do I go back to original creditors with a DSAR?
i understand that it is a horse bolted situation but even if it is to go back and work out a payment plan with the original creditor then so be it just do not like to pay DCA having read about them and I am not sure I am even asking the right questions. Ideally I just want to get this straight and cut the worry about losing my house and find a way to become debt free!
Really, any advice given is sorely needed. If you need more info about the situation or about me then please ask.
Thank you,
Bob
Ok here we go...the sob story....I have had my head in the sand
about all my debts for years, mostly from losing my job in 2009, family loss before and after and some health issues since but none of that really matters as the ball keeps rolling...so to now!Where having had Land Registry contact me (a second time) with regards to both a RESTRICTION & an AGREED NOTICE (for 2 separate debts), it is clear that this cannot continue so I have to do something about it, so if anyone can give me some advice or point me in the right direction of what I can/should do then I would greatly appreciate it!
Not sure about how much info you need but will provide as much as possible, in as concise a way I can (I am able to scan any of the documents I refer to herein if needed).
Debt 1: £3018.44 (inc. costs/interest/fines)
Original Creditor: halifax
Original Loan Date: This was a bank account and monies owed is overdraft
Original Loan Amount: £2000 (overdraft limit)
Debt Company(s): Cabot
Solicitor(s): Mortimer & Clarke
Date of Land Registry contact: 27/06/18
Action of Land Registry: Document B132 ‐ ENTRY OF AN AGREED NOTICE
Notes: I have no old bank account documents from Halifax but can always request them? Not sure if that is possible...
Have previously made payments (of £1 & £10 an agreed payment plan) but no payments made for over 6/7 years
Debt 2: £8501.21 (inc. costs/interest/fines)
Original Creditor: Northern Rock
Original Loan Date: 2007/2008
Original Loan Amount: £7000
Debt Company(s): HPH2 EX SANDTANDER UK PLC, Robinsons, Hoist Portfolio (which is also the same company as HPH2...I think)
Solicitor(s): Howard Cohen
Date of Land Registry contact: 24/08/17
Action of Land Registry: Document B136 (CO) ‐ AN APPLICATION TO REGISTER A RESTRICTION AGAINST THE LAND
Notes: The original creditor loan was taken out with Northern Rock but I do not have any of the old documents
Not sure of the exact date that I took out this loan but think it was at the end of 2007 early 2008
I have not made payments to them for over 6/7 years but their documentation states £0 paid at all ‐ I would have to request old bank statements to confirm
Guess the question is can I do anything about having these removed?
Are the debts still enforceable?
Should I ask the Debt Companies for the date of the original loans? I think they got the charging orders in before the end of the 6 year period for collection (not that I was playing it that way just from what I have read recently.
Can I still ask them to provide proof of debt?
Is requesting a CCA pointless now?
Do I go back to original creditors with a DSAR?
i understand that it is a horse bolted situation but even if it is to go back and work out a payment plan with the original creditor then so be it just do not like to pay DCA having read about them and I am not sure I am even asking the right questions. Ideally I just want to get this straight and cut the worry about losing my house and find a way to become debt free!
Really, any advice given is sorely needed. If you need more info about the situation or about me then please ask.
Thank you,
Bob
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