Consumer Action Group envelope labels
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Sheet of 20 self-adhesive envelope labels
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Are you receiving distressing phone calls? Are you recording them? Why not? | Welcome to The Consumer Action Group
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The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
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Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
6th March 2007, 19:06
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#2 (permalink)
| | Platinum Account Customer |  Re: Wescot 'option' Order for sale and other problems HELPPPP!
Quote:
Originally Posted by johneem0607  I owe lloyds TSB £12,000 - i HAVE A charging order against my property for this amount and all this happened a few years ago when I didn't know where to turn.
I have not made an agreement to repay the debt as I thought that was the reason they held the order!
Today I receive a letter from Wescot, who now are dealing on behalf of LTSB...
tHEY OFFERED ME A REPAYMENT OF £7K and offered to write off £5k if i pay by april 06th. (yes £7k in a month, numptys!!)
They said if I do not pay, one of their options is an order for sale!
Last month I sent a Subject Access Request to ltsb as I believe alot of this £12k debt to be charges(£3-4k) I will persue them for this !!
Q. Where do I stand with wescot and what should my reply to them be, I like the offer of £7k but cannot repay that amount so soon, I was wondering if I could offer them say six grand over six years to get rid of the order,
Or if the tsb are liable for charges would that make the charging order defunkt??
Its alot to ask but there are lots of experts on here, please help if you can. | What is the 'debt' for, Credit Card? Bank Account ? Loan ? | 
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7th March 2007, 14:08
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#5 (permalink)
| | Site Team | Re: Wescot 'option' Order for sale and other problems HELPPPP!
It is rare for the court to allow a creditor who has a final charging order to sell your home. Most creditors are prepared to wait for you to sell your home at some point in the future and to be paid out of the proceeds of the sale. If a creditor is not prepared to wait, then they can apply to the court for a hearing for an order for sale. It is up to the court to decide whether to make an order for sale or not.
if you have kids or if there is anyone in the property who is ill/disabled then it would be pretty difficult for a creditor to get an order, although i will stress AGAIN that an order for sale is VERY rare!
__________________ Please note that I cannot give advice via PM, however feel free to contact me in order to draw my attention to a thread and I'll do my best to assist you there!
I'm not a practising lawyer although I do have formal legal training in many debt related areas, if in doubt always seek further advice from a qualified professional.
How to get out of debt: http://www.consumeractiongroup.co.uk...-out-debt.html
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NW11 7PE
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