Thanks for your response,
the solicitor is absolutely giving ultimatums that they will go to court if I do not sign the charge.
I am already paying the debt as per agreed monthly amount as soon as the Deliberation of the ombudsman was given. Sep 2012. (or something like that) I have not defaulted or had irregular date payments as it is a standing order.
I have been trying to get this Solicitor understand that the indebtedness must be protected as well. As I tried to explain to him that he had already stated that if I missed just one payment then the indebtedness would have 8% interest applied to the whole amount for the length of the term.
and would immediately go to court for a default. I had negotiated that if I miss a payment of no fault of ay own but a bank technical problem then I am not at fault.
also have said that if I miss a payment then I may be in agreement in paying 8% interest on the monthly amount only and the indebtedness will still be at 0% less a month (or months that I missed)
all agreed in a letter and as described before a few other terms.
they did indeed agree to pay towards a solicitor but only to cover the signature of the charge and have promised only £250.
I had a solicitor which I used before but said that £700 may cover the costs and that was only for the charge as he could not see the terms and conditions described by the Ombudsman. But the ombudsman declaration clearly states that the indebtedness (loan) must be at 0% and at my choice of number of monthly payments.
So because some times it has been difficult to understand each other and I have several other Legal issues to deal with currently I had asked for my money back as I will try to seek other assistance.
He has been nice at least not to charge me the time to see the documents.
So At the moment I am stuck in explaining what is required form my solicitor.
So as per our conversation I have created an E-mail that states this:
Could you kindly please advise if you are able to provide the following services for a property law matter:
a. Provide advise that the charge and document is done properly for a Chiswick property. (flat )
b. Make sure the indebtedness is set up properly.
c. the terms and conditions of the indebtedness is on a deed/document properly and legally binding.
The reason I am asking such questions is because there is an order from the Ombudsman that I need to pay back an x amount to a previous mortgage Lender.
However, the x amount has to be at 0% for x amount of months of my choice.
After several communications we manged to agree certain terms of the indebtedness. However, the Solicitor representing the Lender is not helping at all regarding these terms and is putting a lot of pressure for me to sign the Charge and that is it.
Therefore, I need representation that everything is done properly.
Upon the above description, I would kindly like to have a response if you are able to take on this and advise and complete the whole process to a successful conclusion whilst protecting my interests.
Furthermore I would kindly like to have a quotation for these services.
could you kindly advise if I am explaining correctly what I need from what we have discussed?