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  • InvisibleMan
    started a topic Invisible Man's UE diary

    Invisible Man's UE diary

    Background to how I got into this mess:

    Around 10 years ago I had a well-paid job and a top notch credit score. I had a few credit cards I hardly used, but no outstanding debt. I went into a lone business venture for a pension pot. I borrowed heavily through bank loans. They couldn’t...
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    Last edited by InvisibleMan; 11th June 2017, 19:44.

  • Can creditors force a house sale to claim back their money

    Hi all, thanks for all the help you give.

    I have been on a DMP for 5 to 6 years now and want to go self managed and put my creditors on token payments until I have CCA's back (or not as the case may be). My only concern is that the creditors might choose to force me into selling my house...
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  • MellyJ
    started a topic Restons - Charging Order

    Restons - Charging Order

    Hi, I have been paying Restons £25 a month for ages against a credit card debt of about £5,000. I have now received a letter saying that they are applying for a charging order, what should I do next, I had returned and I & E form to them and offered to increase my payments to £30. I have a joint...
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  • Exclus
    started a topic Selling jointly owned property with a restriction

    Selling jointly owned property with a restriction

    Now I know this is a problem that has been posted before, but I thought I would rant on a little more on the subject.

    Our property is jointly owned, but I have a charging restriction for a credit card debt. We are finally getting a few viewers to see our house, and I thought that it was...
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  • cardiac arrest
    started a topic Wills.

    Wills.

    Not sure about this, but 12 months ago the Co-op adminstered my late mothers estate which inlcuded selling the house she was in.

    The house gradually reduced in value until it was flogged off just before being auctioned for the miserly sum of £17k.. and the estate paid out to the benefactors....
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    Last edited by cardiac arrest; 26th November 2013, 17:54.

  • OFT launches market study into providers of quick, discounted house sales

    OFT launches market study into providers of quick, discounted house sales

    This is a duplicate of the Blog Entry made on 18th April 2013 09:00.

    The OFT is today launching a study into the 'quick house sale' market and is calling for people who have used, or considered using,...
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  • Mags76
    started a topic Mortgage shortfall & Ex-Wife's Bankruptcy

    Mortgage shortfall & Ex-Wife's Bankruptcy

    Hi Guys

    I know a few of you guys on here as you have helped me with a problem i have with a finance company and i am extremely grateful.

    I would like to ask if anyone can help me with the following.......

    My Boyfriend of 2 years had split from his wife 3 and...
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  • jon1965
    started a topic ESA appeal

    ESA appeal

    Hi all
    Right, I lost my job in april last year but was signed off sick at the time so claimed ESA. Had the assesment but failed it. I am signed off for anxiety/depression/stress and have had a 14 week course of CBT.
    I appealed and now am waiting for the hearing. I have asked for it to be...
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  • jon1965
    started a topic Housing/Council tax benefit

    Housing/Council tax benefit

    Bear with me while I lay this all out
    Bought a house in 1990 to move in with my then G/F to be our home. All in my name mainly due to her bad credit history.
    Separated in 2003 , I moved out and rented a flat, she stayed in the house. DWP paid some of the mortgage (interest on original loan)...
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  • mummytotwo
    started a topic Help with SOA?

    Help with SOA?

    Hello,
    My husband and I are going BR next month. Please could someone let me know whether our SOA seems reasonable? My husband has been lent a car by his father which we maintain and insure, hence the car costs but it not being an asset.
    I also have a question about inheritance........if...
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  • Law Society says HSBC mortgage system threatens house sales

    Law Society says HSBC mortgage system threatens house sales

    This is a duplicate of the Blog Entry made on 10th February 2012 19:54.

    Hundreds of house sales are at risk under a new mortgage system being used by a high street bank, legal experts have warned. The Law Society...
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  • fiscalfool
    started a topic Think I need to go BR!

    Think I need to go BR!

    Hi All,

    As some of you know, I've been doing UE with Niddy for some time now.

    The UE side of things is going really well. However I have two other pressing assets:
    1) Personal Loan for a car, that is getting rapidly behind on.
    2) A house which I rent out,...
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  • Ames
    started a topic Everything getting on top of me.

    Everything getting on top of me.

    Hi all, I'm so glad for this forum, because I really need to rant.

    Firstly, I put in the probate forms for my mum's estate yesterday, and had an argument with sister about it. When it all goes through, once I become part owner of mum's house my means tested benefits will stop unless...
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  • Looloo dipping her toe in the water Pre UE diary

    Well the Boss man :bannid1 has put the idea in my mind that maybe I should have a look at UE

    I am not 100% about this but I know lots of you have gone down this route (been busy reading lots of your diaries) but I have a few questions of my own (sorry I know they have probably been...
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