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Has my house been repo'd?

2

Comments

  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    curly04 wrote: »
    sorry ot sound dumb
    we moved out 4 months ago and have 2 months left on the exemption
    I will be BR on Tuesday but the bank won't repo my house they keep saying no
    does this mean in January I am then going to be liable for the council tax for a house I don't live in and that the bank won't repo?

    Yep! I am afraid so. Usually at 50% of normal rate.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    kerrypn wrote: »
    Do a voluntary repossession curly, then they can't say no!

    Yes they can if you don't sign the paperwork. They can muck around and then take it to court.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • curly04
    curly04 Posts: 7,247 Forumite
    do you think they will do it within 2 months - we have been asking for 4 months and they have said no!
    I will phone them when I get out of court on Tuesday!

    Thanks guys
    Total Weight Loss - 28lb and counting
    AD 17/11/2010
  • pinksnapdragon82
    pinksnapdragon82 Posts: 116 Forumite
    kerrypn wrote: »
    Do a voluntary repossession curly, then they can't say no!

    I think they can say no to a vol repo, NR did to us its a complete surpisre to me that they have done it.
    I'm sure i've read others that wouldn't have it accepted either
  • pinksnapdragon82
    pinksnapdragon82 Posts: 116 Forumite
    Hi curly,
    Have you sent the keys back to them? thats what we did with NR.
    P
  • curly04
    curly04 Posts: 7,247 Forumite
    might go in to the Abbey branch on tuesday and just give them the keys and a copy of my BR paperwork

    don't think the OR will let me put 2 lots of council tax on the SOA
    Total Weight Loss - 28lb and counting
    AD 17/11/2010
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    No he won't. But the Abbey still doesn't have to repo even if you give them the keys, though hopefully it will spaeed them up a bit.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • curly04
    curly04 Posts: 7,247 Forumite
    might be some good news my husband has just got in from work and he has said that he got a letter yesterday from evershilds saying they are going to repo if we dont pay. i will phone them tomorrow - Has anyone heard of them do you think it might be quicker now?
    Total Weight Loss - 28lb and counting
    AD 17/11/2010
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Heard of them, but don't now if they will be any quicker. Presume they have a secured loan on your property :confused:

    Hopefully someone will have had dealings with them.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • curly04
    curly04 Posts: 7,247 Forumite
    I've just had a read of the letter they are the solcitors acting for abbey, hopefully I will get my letter from them soon but I can still phone them and ask
    Total Weight Loss - 28lb and counting
    AD 17/11/2010
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