debt charged on property

mrsclueless

Hello everyone.
not sure if i am in right place, as i am a newbie!
my hubby has had a problem with a bank loan, he got behind with repayments after being made redundant, after fruitless negotiations with bank, they put charge on property. ever since thn we have been harassed by a company called ascent, even when hubby was seriously ill in hospital, they wanted me to get him to sign a letter to say i could discuss his debt with them. my question is, if they have charge on property, then why are they still in pursuit of repayment by other method (ringing twice daily), and isn't it slightly out of order trying to get a signature from a seriously ill person, sorry if this is a bit long winded, i would appreciate any advice. thankyou

amersall

Sorry i cannot help with this, hope someone who can will post with good advice for you.Hope your hubby is better.

CLAPTON

did he go to court to dispute the property charge?
how much does he owe?
is he now working... what is his income

mrsclueless

thankyou anyway. He has ankylosing spondylitis. so will never be 100% but has good and bad days, thanks for your good wishes

mrsclueless

hi, he owes £9000 he was to ill at the time to dispute sadly. he is off work sick and has been for 4 months and gets ssp and dla high rate

magpiecottage

Assuming the bank has the charge on the property then the debt collection agency would seem to be acting for the bank.

Write to the bank complaining that their agent is harassing you personally, telephoning at unreasonable intervals and trying to force you to pay an amount that you cannot afford - all in breach of the OFT guidance. Send the letter in the post and get proof of posting (free from the Post Office). Hang on to both that and a copy of your letter.

Alternatively, look up the bank on the FSA Register and see if there is an e-mail address you can use.

WhiteHorse

Check that Ascent are really acting for the bank. If the bank has a charge on the property, why would they need to employ sleazy debt collectors?

Do not under any circumstances sign anything from Ascent. Deal directly with the bank. Many of these companies find out about debts and then ruthlessly terrorise people. They usually get paid on a percentage basis if successful.