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Can someone advise where i stand in 2011 i left my property and moved to rented accomadation i had been on a very poor mortgage deal with halifax fixed rate paying £996 monthly as worked dried up in 2010 i went onto intrest only paying £599 then i became unemployed and informed haifax the house was empty and uninsured.
In 2012 (house had been empty 14 months) hbos solicitors sent me a letter stating i could pay £400 a month and something towards the arrears so i moved back in paying £450 monthly , by early 2013 i recieved a letter stating i had to go to court ,i contacted halifax who stated it was only to seal the deal.
After taking advice it transpired they where going for repossesion as someone at halifax had overlooked the fact that my intrest only period had ended and i must pay £1100 a month.
I fought with them as best i could ,they offered mortgage till i was 80 many many solutions that where completely out of my reach so i approached the ombudsman explaining the situation and that their mistakes had ony led me further in debt .
I Recieved a call from hbos litigation stating that every avenue had been exhausted and due to the circumstances it was best if i let the reppo go unchallenged they would not pursue any shortfall ,i stated i also had an overdraft whic had been used to meet the payments and fix the house that had been lying empty 14 month, i was told this would never be pursued.
I dropped all complaints the house was repossesed and given away and i mean given away.
A shortfall of £63000 was recorded on my credit file with a settled note balance 0 and note stating (partial settlement) Payment recieved as full and final settlement although the payment would not fully clear the balance on the very month of the reepo with all credit ref agencies and my motgage statement balace reads 0 balance 63000 poss write off.
roll on 2019 i get email from debt coll agency regarding the overdraft so i immedietly contact hbos to complain stating above , they write back saying i owe 63k as theyve no record of any deal wtf even trying to say theyde been trying to collect on it and the debt firm had been contacting me ,later admitting they hadnt.
Main concern for me is had i suspected a shortfall i wouldve went bankrupt in 2014 ,i SARd them to recieve a letter stating some calls were missing due to technical difficulties.
ThE DEBT no longer shows on my file but i kept copies and i have the mortgage statement stating POSS WRITE OFF 0 balance.
What can i do if anyone can assist please ?
In 2012 (house had been empty 14 months) hbos solicitors sent me a letter stating i could pay £400 a month and something towards the arrears so i moved back in paying £450 monthly , by early 2013 i recieved a letter stating i had to go to court ,i contacted halifax who stated it was only to seal the deal.
After taking advice it transpired they where going for repossesion as someone at halifax had overlooked the fact that my intrest only period had ended and i must pay £1100 a month.
I fought with them as best i could ,they offered mortgage till i was 80 many many solutions that where completely out of my reach so i approached the ombudsman explaining the situation and that their mistakes had ony led me further in debt .
I Recieved a call from hbos litigation stating that every avenue had been exhausted and due to the circumstances it was best if i let the reppo go unchallenged they would not pursue any shortfall ,i stated i also had an overdraft whic had been used to meet the payments and fix the house that had been lying empty 14 month, i was told this would never be pursued.
I dropped all complaints the house was repossesed and given away and i mean given away.
A shortfall of £63000 was recorded on my credit file with a settled note balance 0 and note stating (partial settlement) Payment recieved as full and final settlement although the payment would not fully clear the balance on the very month of the reepo with all credit ref agencies and my motgage statement balace reads 0 balance 63000 poss write off.
roll on 2019 i get email from debt coll agency regarding the overdraft so i immedietly contact hbos to complain stating above , they write back saying i owe 63k as theyve no record of any deal wtf even trying to say theyde been trying to collect on it and the debt firm had been contacting me ,later admitting they hadnt.
Main concern for me is had i suspected a shortfall i wouldve went bankrupt in 2014 ,i SARd them to recieve a letter stating some calls were missing due to technical difficulties.
ThE DEBT no longer shows on my file but i kept copies and i have the mortgage statement stating POSS WRITE OFF 0 balance.
What can i do if anyone can assist please ?
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