blackhorse transferred me to hillsden

natalie18

considering Blackhorse agreed that I could pay a lesser amount and then advised that the government states that cannot put me in a more difficult financial position


yet they can maybe make me homeless ?
when I am paying a lot if my loan off and proving to improve my financial situation


I believe they are acting unfairly

fatbelly

Thanks for coming back

You have checked and Black Horse definitely have a second charge on your house.

As such they can apply to the court for possession of your house if you do not make your contractual payments and have acted more than fairly by not doing so but (1) accepting lower payments for a fixed period and (2) appointing someone to work with you.

You mention 'other debts' - these would be a lower priority than your mortgage and secured loan. So credit cards, unsecured loans, catalogues can have £1 per month. You will still need to pay car insurance, council tax, tv licence as these have legal implications if missed. There may be some short term flexibility with utility bills.

You may wish to post a statement of affairs here and we'll see what's going on in a bit more detail, and check you are getting all the benefits you are entitled to.

If you cannot pay your mortgage and secured loan, and this looks to be a long term thing, then you may have to consider selling your house yourself and moving into rented accommodation. Doing this yourself is better than allowing the lenders to do it as the proceeds are available to you at the point when you move, and you are likely to get a better sale price.

natalie18

Hi im going to request land registry if they havent been named on will it make an difference


and yes i have thought about selling but wanted to wait until market better


also wanted save my home i have worked all my life
just trting to pay off debts to get in a better position rearrange another mortgage or find some way to make my life better and keep home

natalie18

DO I REQUEST A TITLE REGISTER? AT THE LINK BELOW?


AND I WILL CHECK AS BLACKHORSE SAID HILLSDEN WILL BE ACTING AS THEY DID NOT MENTIONED AS YET TAKING ACTION FOR FLL PAYMENT I THINK NOT!
I EXPLAINED THAT BLACKHORSE KNOW MY HISTORY AND THAT THEY HAVE PREVIOUSLY AGRRED TO RELOOK AT MY ACCOUNT AND DROP SOME OF THERE CHARGES THIS WONT BE LOOKED AT IN THE SAME LIGHT OR KNOW MY DETAILS WITH HILLSDEN


THATS WHEN BLACKHORSE SAID THEY WILL REVIEW AMOUNT OUTSTANDING AND COMING BACK TO ME ABOUT THIS VERY SOON








Check at the Land Registry. A copy of the title register costs £3

https://eservices.landregistry.gov.uk/www/wps/portal/!ut/p/b1/04_SjzS0tDQwMTIxMjLXj9CPykssy0xPLMnMz0vMAfGjzOKNjSxMDA1NjDwsjM3MDTxN3dyNDUNMjQ1MjPWDU_P0c6McFQH3SLFU/



Has this actually been assigned (sold) to Hillesden?[/QUOTE]

natalie18

think I should request the below?






If you require a guaranteed copy, please apply for a Land Registry Official CopY






NjSxMDA1NjDwsjM3MDTxN3dyNDUNMjQ1MjPWDU_P0c6McFQH3SLFU/



Has this actually been assigned (sold) to Hillesden?[/QUOTE][/QUOTE]

fatbelly

Hi

Just a title register will tell you what you need to know

It shows you this as a pdf that you can save or print.

£3 well spent

natalie18

Yes blackhorse on land register doc since 23/4/2008

natalie18

spoke to Blackhorse today for the loan taken out I
april 2008 for £16,000
loas originally agreed over 10 years


I have paid £17.258.05 off
the total amount £30,074.40 inclu interest


they are deducting some interest to the amount of £778
and advising Hilsden of this




say no default on the account