Hi

My gf has some debts, and she is thinking of trying the same thing.

One of the debts has put a ccj in place on the house value,

and the creditor is listed as solicitor so anything we can do there?

i thought id ask just to be sure

thanks

so a dca got a CCJ

why was it not contested

and allowed it to be secured with a CO?

dx

hmmm 1 coz she let it! and

2 we didnt realise we had a choice

to be fair they took it to court ASAP didnt waste a day

the creditors are below:

Creditor Name

Account Name/Number Date Transferred Tesco Personal Finance

Natwest/RBS

05/07/2010

Natwest/RBS

15/07/2010 Incasso Debt Recovery

24/09/2010 Shoosmiths Solicitors

12/05/2014

so Tesco pers finance loan [who then were RBS]

when was it taken out

last paid

and sold to the fleecers?

something smells here

p'haps might be a good idea to start a new thread on this

in the RBS forum

dx

Hi

My gf had a loan from tesco, but she lost her job and we couldnt afford to pay it

and before we finished complaining they had taken her to court and got a CO against the house

in the meantime she has to pay £41 p/m off the costs

We complained before october 2010 that Tesco had not listened to the fact we were taking a dmp out

and ignored this and went straight to court instead! but it was looked at but nothing done

The loan was taken out in may 2008,

default notice march 2010,

the court date was Dec 2010

a letter from incasso shows CO granted March 11

Creditor Name

Account Name/Number Date Transferred Tesco Personal Finance

28/06/2010 Natwest/RBS

05/07/2010 Natwest/RBS

12/07/2010 Natwest/RBS

15/07/2010 Incasso Debt Recovery

24/09/2010 Shoosmiths Solicitors

12/05/2014

Shoosmiths solicitors now are being paid but we wondered if its worth sending a CCA request

with there already being a CO on the house?

thanks for any advice

as such the CCJ and the resultant enforcement [the CO]

negate any need for an enforceable CCA now.

however

let do a few checks as well as getting an sar running to RBS.

have you looked

or do you know

what type of CO it is?

it should simply be a restriction K

as the mortgage is joint

and the property is joint?

who is named on the charge

Tesco or incasso?

have a look at the www.trustonline site

if you don't know the answers .

There's a good thread about Charging Orders on MoneySaving Expert... (Charging Orders, The Myth?) TB

There's a good thread about Charging Orders on MoneySaving Expert... (Charging Orders, The Myth?) TB

Plenty more here with practical guidance:-)

thank you