HELP!!
I had a CCJ back in 2010 and a charging order was placed against my house. The original debt was for RFS Limited.
I have since paid all debts back to Cap quest who took over the debt.
I applied to remortgage my house back in February as myself and my husband have separated, it was then I was told the charging order was still against the land registry.
I called cap quest - where I was passed from various different departments for 3 weeks to be told I still owed £30. I was told that because I had taken a settlement figure that is why the order wasn't removed, which had I been told at the time I would have settled the extra £30! Anyway following that it took them another 3 weeks to tell me how I could settle the debt as the customer services team couldn't deal with it.
Finally settled on 27th March and I am still waiting for the charging order to be removed.
First I was told that the debt had transferred from RCI not RFS and they couldn't find any connected - I looked online and found numerous evidence of RCI owning RFS which I sent over. Despite daily chasing I finally received a response a month later, where they told me they can't remove the charging order as they hadn't placed it.
RFS no longer trade and neither do the solicitors that worked on behalf of RFS.
I have managed to get hold of a solicitor that used to work there and she advised that Cap quest are incorrect - they can remove the debt and she kindly provided all the forms etc they needed to fill in. I sent these to cap quest over a month ago and I am still waiting. Meanwhile my mortgage offer is running out, my ex husband is living in a house with no furniture and I am racking up debt as we both need the settlement money from the remortgage.
Other avenues I have tried:
*- I've raised a complaint with Cap quest and with the financial ombudsman. No response as yet.
*- citizens advice bureau suggested I contact the court directly. They have said as the court case is so old they no longer have the records! but sent me some forms I could fill in along with a request for payment of £200 for the case to be reviewed!?
- Contacted the land registry directly who suggested I seek legal advice
- I've contacted a solicitor for a quote who said initial fee is £200 and can't confirm how much it will be as it all depends on how the case goes. They also need info from cap quest which I have requested and heard nothing so I'm not holding out much hope!
I can't afford the legal/court*fees above and to be honest I am loathed to as I have settled the debt!
Can anybody help?! Is there anything else I can try? If this remortgage offer runs out I seriously do not know what*I will*do.
*
I had a CCJ back in 2010 and a charging order was placed against my house. The original debt was for RFS Limited.
I have since paid all debts back to Cap quest who took over the debt.
I applied to remortgage my house back in February as myself and my husband have separated, it was then I was told the charging order was still against the land registry.
I called cap quest - where I was passed from various different departments for 3 weeks to be told I still owed £30. I was told that because I had taken a settlement figure that is why the order wasn't removed, which had I been told at the time I would have settled the extra £30! Anyway following that it took them another 3 weeks to tell me how I could settle the debt as the customer services team couldn't deal with it.
Finally settled on 27th March and I am still waiting for the charging order to be removed.
First I was told that the debt had transferred from RCI not RFS and they couldn't find any connected - I looked online and found numerous evidence of RCI owning RFS which I sent over. Despite daily chasing I finally received a response a month later, where they told me they can't remove the charging order as they hadn't placed it.
RFS no longer trade and neither do the solicitors that worked on behalf of RFS.
I have managed to get hold of a solicitor that used to work there and she advised that Cap quest are incorrect - they can remove the debt and she kindly provided all the forms etc they needed to fill in. I sent these to cap quest over a month ago and I am still waiting. Meanwhile my mortgage offer is running out, my ex husband is living in a house with no furniture and I am racking up debt as we both need the settlement money from the remortgage.
Other avenues I have tried:
*- I've raised a complaint with Cap quest and with the financial ombudsman. No response as yet.
*- citizens advice bureau suggested I contact the court directly. They have said as the court case is so old they no longer have the records! but sent me some forms I could fill in along with a request for payment of £200 for the case to be reviewed!?
- Contacted the land registry directly who suggested I seek legal advice
- I've contacted a solicitor for a quote who said initial fee is £200 and can't confirm how much it will be as it all depends on how the case goes. They also need info from cap quest which I have requested and heard nothing so I'm not holding out much hope!
I can't afford the legal/court*fees above and to be honest I am loathed to as I have settled the debt!
Can anybody help?! Is there anything else I can try? If this remortgage offer runs out I seriously do not know what*I will*do.
*
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