Hi, thanks in advance for looking at my post.

Basically, in 2006 I took out a buy now pay later deal through land of leather with creation. land of leather told me i would be contacted when i needed to start making payments but never did. after taking out this deal i went through a rough patch after having a prem baby and becoming a single parent in the space of a few months with no job and was extremely depressed and i forgot about the sofa payments.

the next i heard i had court papers, i contacted creation to ask if i could start making the payments asap and they told me i had to pay the full amount plus the interest i would have been charged or they would register the ccj. i couldnt afford to do it and the ccj was registed and a charge was put on my house.

anyway, the house is being sold, its meant to exchange next week. my solicitor has contacted creation for a balance and it is 5139.19!! the sofa originally cost 1495 and i took a 2 year warranty 240. on my credit file under creation it states 3639 and they have logged every month since 2006 sustained arrears.

i contacted creation to ask why the balance is so high, they told me it was now with drydens. i called drydens, they told me the 5139.19 is the balance creation had sent to them and they had never added any fees and didnt have a breakdown. i recontacted creation and i was given the balance of 3638.55 and they told me any other fees must be drydens adding them. i am so confused and neither company is offering to help me or give me the information i need. i am about to lose my buyer.

please help me

When was the last payment made? Secondly when was the CCJ issued?

Hi thanks for the reply. I have never made a payment as they secured it on the house, they told me it would just be repaid when we sold. The CCJ is 6 years old on 20/1/2016

Time to SAR Creation to find out why the discrepancy...

Ok thank you, I do not have any references or anything though, can I just put the property address? Is there any way of hurrying them up so I don't lose my buyer and incur fees from the solicitor etc.

Ask your solicitor the best solution.

Can your solicitor hold (e.g. The £5139.19, and some more to cover interest) on your behalf, from the proceeds of sale, giving an undertaking to Creation this will be used to settle the CCJ once the correct sum is clarified.

This might persuade Creation to allow the sale.

Or, similar but giving an undertaking to the buyer's solicitor the charge held by Creation will be satisfied.

They can then transfer to you anything left over from the proceeds of sale.

Then the solicitor can write to both Drydens and Creation to clarify the correct settlement sum. If there is then anything further left over they can then release it to you.

Ask your conveyancing solicitor for advice, and if this (or similar) would be a solution. You may have to pay them to do this, but will it be less costly than risking loosing your current buyer?

Hiya, thanks for the reply again. My solicitor has not been great with the whole situation to be honest. I can hardly ever get hold of her and she never calls me back. She told me the sale cant go through until the charges are lifted and I doubt Creation will lift the charge for that to happen This is stressing me out so much! Creation are meant to be calling by 12pm today, but I bet they dont!