What the Final Charging order says is charge created July 2007 shall continue The interest of the defendant in the asset described in the schedule below stand charged with payment of the sum of £4919.45 the amount now owing under the a judgement or order given 05 July 2007 by Banbury County Court in claim xxxxx together with any further interest due and £208 the costs of the application. The costs are to be added to the judgement debt

Hi everyone I had a final charging order court appearance back at the beginning of January and the court allowed RBS via Spratt Endicott to take a second charge against my home, the debt was fixed after costs at £5009. I have agreed to pay them £300 a month, just had letter saying okay that payment figure is accepted but the adding that the cost to release the charge is now £5670.15. They had already added their costs when we went before the judge. Can they just stick on another £660? Any comments gratefully received.

No. I made one payment in October, that was it.

Having read around a bit i going to do the "I'm rather bemused..." letter and see where that gets me. If of course I shouldn't be doing that please shout. Many thanks

Just looking for further guidance here, AIC seem to have given up, never answered the CCA. Have now had a letter and a couple of calls from Newman Debt Collection Agents in Leeds say they are acting on behalf of Amex. What should I be responding am I still disputing AIC as the prior agent or do I start a new process with Newman? Does anyone have any experience of Newman?

Cheers, for the encouraging words, don't if it helps but my debt with them is circa £15K and they asked me for £8K to settle in September, wonder how far they will go?

Thanks for the response, they are not hassling me on the phone, I am more interested though in the informality they have bought to this, no acknowledgement of my correspondance, no details on the debt and just a phone call saying pay £300. Are they not leaving themselves open in some way for when I dispute this arrangement which I will be doing during the next 4-6 weeks.

Been away a while but interested in anyones thoughts on these guys at AIC, I have now agreed to pay £300 a month, I have though got no correspondance from them or Amex, nothing showing what the balance is, what interest I am paying. I have made the payment as I do not want to go to court at this stage and my financial situation appears to have stabilised and I hope to be able to clear the debt in the New Year. What I suppose I am asking is can they just take a payment from me and not inform of where the debt is or if its growing. All the other cards that I have continue to correspond with me each month so I can see what is happening. Thoughts anyone?

many thanks, court date is 23/10 in Reading which is miles away from me can I get it more local? Should I write to Spratt endicott or Direct Line?

I have a ccj with Royal bank of Scotland T/A Direct Line Financial Services it was given on the 5th July. They have now written to me saying they want to take a charge against my property, the property in my wife and I's name. The debt is in my name. I now have some funds available, debt is £4919, I could offer a £1K maybe £1.5. Does anyone know if they are likely to settle? The correspondance from Land Registry tells me it is very unlikely that the court will NOT allow Direct Line to take a charge. I will have a similar situation with Amex soon. The solicitors who written to me are Spratt Endicott should I tlak to them or First Direct? Be grateful for any thoughts.

Thanks, they keep putting the phone down on me at the moment so I'm gonna keep annoying them until I get some money in.

Just had call from MR F at AIG, their legal dept apparently, said they would not be providing me with a copy of the credit agreement, I was surprised he said that, so I asked him to repeat it. Letter was dated 18th July and sent first class registered post, he did not deny they had received it. I also sent an additional letter confirming that I had made offers to make payment which they ignored. I have not sent the letter yet asking for a breakdown of the charges, should I do that now or wait to see if they respond to the request for the agreement? Also do I have to copy in Amex on my correspondance with AIG? Many thanks.

Many thanks, I will action all that now.

Hello again, I seem to be going in circles with these muppets, so need some guidance. I am NOT trying to walk away from the debt I don't dispute it, I want to pay it off. I don't though have £11K sitting around doin nothing. How can get some sort of sensible response out of these guys? What should I do they are saying they are going to call, don't really want that. What should I do in the first few steps, the debt is not old, I have been in communication with Amex throughout. Thanks people

I have a debt with Direct Line of Royal Bank of Scotland where I offered to pay £100 a month the original loan was for a car, 4 year agreement, got to the last year got 3 payments down and they have come after me. So overall debt of £15K got the debt down to £4.5K of which £3.5 is a balloon. I said to the court in my submission I could pay £100 a month and they have said they want £4919.45. Just received theJudgement for Claimant ( after determination ) it appears I only have 16 days to sort this before a CCJ. Which I really don't want. Whats should I do?

Thanks I'll do that.

The other debt is with Lloyds I have just avoided the debtcollector route, and should I hope be ableto gig myself out of that, that was for £15K. I also have a debt with Direct Line of Royal Bank of Scotland where I offered to pay £100 a month the original loan was for a car, 4 year agreement, got to the last year got 3 payments down and they have come after me. So overall debt of £15K got the debt down to £4.5K of which £3.5 is a balloon. I said to the court in my submission I could pay £100 a month and they have said they want £4919.45. Just received theJudgement for Claiant ( after determination ) it appears I only have 16 days to sort this before a CCJ. Which I really don't want.

Well the credit card was being used by me up until Christmas, had the card about 4 years. Where do I find the CCA letter, I'll do that today and send it recorded delivery tomorrow.

Hi, hope this is the right area, I have hit problems with two credit cards, one I think I have resolved the other seems to be getting difficult. Amex have sold my card debt to Allied International Credit the outstanding balance is £11923.25 and they have included in that a £1644.59 referral fee. I am self employed and so far, despite a truly horrendous 6 months with no cash coming in, avoided getting a ccj. AIG keep phoning me ( 3 times in 3 days ) asking me how I'm going to settle the debt. I have said I don't have the funds to clear £11K now but can pay £150 a month, they will not entertain this and have started saying they are going to take a second charge out on the property I own and all that. When I question why they won't take the £150 they just go back to asking the same question again and again "when will you clear the balance" and then when I keep repeating that |I can't but I can make a regular payment they say I am awkward and put the phone down. They have put the phone down on me twice now after asking me to call them. But they keep calling me! Are there any obvious things I can do? If I could borrow a couple of grand would that get them off my back or do they just want the whole debt and will go the CCj route. Will I then not be back to making an offer of a monthly payment ie £150. I can't understand what they are driving at. Any help/advice gratefully received.