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Hi Everyone
Can anyone advise on the following please?
My friend is trying to negotiate a f&f settlement to clear a balance and also a restriction on her deeds.
Her ex hubby used her card and ran up a balance then hid all the statements etc.
The creditor took her to court and managed to secure a restriction (at that time her ex's name was still on mortgage and deeds).
The balance is around £3k and last May she received an offer letter to clear it for £1,500 but was not in a position to do so. She called them just before xmas 2020 as she has received another letter asking if she could settle a discounted balance. She called them and they said that she had to make an offer so she offered the £1,500 and they would not accept it at this point.
She is now in a position to negotiate again - so should she send them a letter? I have looked for the sample letter but cannot seem to locate it on here.
She did call them a couple of weeks ago (the agent not the OC) and they said they would be looking at the full amount and would not be prepared to negotiate.
I believe this hasn't helped - she is in the process of remortgaging and the mortgage brokers have failed to advise the solicitors that it was not her intention to clear off the restriction - so the solicitor has actually applied to the OC for a redemption figure - which the agent stated when my friend called to try and negotiate.
Any advice please?
Thanks
Can anyone advise on the following please?
My friend is trying to negotiate a f&f settlement to clear a balance and also a restriction on her deeds.
Her ex hubby used her card and ran up a balance then hid all the statements etc.
The creditor took her to court and managed to secure a restriction (at that time her ex's name was still on mortgage and deeds).
The balance is around £3k and last May she received an offer letter to clear it for £1,500 but was not in a position to do so. She called them just before xmas 2020 as she has received another letter asking if she could settle a discounted balance. She called them and they said that she had to make an offer so she offered the £1,500 and they would not accept it at this point.
She is now in a position to negotiate again - so should she send them a letter? I have looked for the sample letter but cannot seem to locate it on here.
She did call them a couple of weeks ago (the agent not the OC) and they said they would be looking at the full amount and would not be prepared to negotiate.
I believe this hasn't helped - she is in the process of remortgaging and the mortgage brokers have failed to advise the solicitors that it was not her intention to clear off the restriction - so the solicitor has actually applied to the OC for a redemption figure - which the agent stated when my friend called to try and negotiate.
Any advice please?
Thanks
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