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Sepo

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About Sepo

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  1. Hi All, some time ago I had charging order placed on my house. At the time I was unaware that credit agreements drawn up before 2007 could be unenforceable. Is it possible for me to contest the charging order now based on the credit agreement not being drawn up properly? Thanks
  2. Hi all, could somebody please point me in the direction of a template letter I can use to send to the court after I've filed my acknowledgment and sent aCPR 31.14 request to the claiment but had no responce? Thanks
  3. Hi all, I recently received a CCJ can anybody give me a link to the correct letter I should send to the claimant requesting a true signed agreement ect. I should also mention that the claim is from Fish4homes for an advertising account that I only paid 2 or 3 payments of the 12 month contract befor going bust. Also the account was in my company name (sole trader) and the ccj is only in my name? Any help would be much appriciated.
  4. No I'm working full time however my wife is currently on unpaid maternity leave. Also how do I put the £5 offer to the court?
  5. Thanks Chris but still unsure of what to do next. Do I apply to the high court as I am unable to put forward an acceptable offer as my monthly income is less then my expenditure?
  6. Hi, A High Court Bailiff from the Marston Group turned up at my house yesterday but we didn't answer the door. He pushed a note though the letter box stating that he had received a High Court Writ in respect of the above matter made up as follows: Judgment dept 654.14 Judgment costs 180 Execution costs 101.75 Interest to 16.60 Officers fees 149.25 Total levy 1099.74 The original ccj was for accountancy work and the monthly payment set at just £1 per month as, at present, my expenditure is greater then my income. I have not missed a payment but have been told by Marston Grou
  7. Hi, I have returned the ccj claim form to the court, stating my intention to dispute the claim and the above letter to Northen Rock's solicitor by recorded delivery on the 28th Jan but have heard nothing. The date of service was the 22 Jan and I have 28 day to get my defence in but I can't defend with out the info requested from Northern Rock's solicitor . What do I do now?
  8. Nice one Curlyben and congratulations on the little one. We are expecting our second in July. Be in touch soon. ps do I contact all creditors now or wait for them to write to me?
  9. Myself Northern Rock £30,000 CCJ repaying at £1.74 PCM Northern Rock £31,920 CCJ pending (have asked for CCA) RMA resolve Originally Barclay card £2,500 repaying £1.00 PCM Capquest Originally Egg loan £8,000 repaying £1.00 PCM Capquest Originally Egg card £4,000 repaying £1.00 PCM Debt Managers Originally American Express £5,000 repaying £1.00 PCM Capital one Bank £569 repaying £1.00 PCM Natwest Bank £1600 repaying £1.00 PCM Natwest Bank £2000 repaying £1.00 PCM My Wife Debt Managers Ltd originally Barclay card £2,200 repaying £1.00 PCM Credit Solutions originally AA
  10. Hi, Between myself and my wife we have total unsecured dept of around £70,000. We have a property, that is in my name only, and are concerned about protecting it against loss and charges being but on it. We have one dependent and another on the way (dew early July). My wife works full time and I am self employed working from home but have no income as yet and look after our child. There is little or no equity in the property and our income is £100 less then our expenditure, after essential bills ect, and so are paying each creditor £1 per month. This has gone on for some time and I now hav
  11. I have just received a CCJ claim from Northern Rock, which is unsecured at present but is attached to my mortgage deal ( same account and reference number), through Eversheds LLP and are not sure if the amount they are claiming is correct. What do I do next? Also I already have a CCJ with Northern Rock from a separate personal loan, which I just accepted at the time because I was unaware of any other option, that I have been paying from about 6 months. Is there anything I can do now or is it too late? PS both have claiming the amount owned in full. Any advise would be much appre
  12. I have just received a CCJ claim from Northern Rock, which is unsecured at present but is attached to my mortgage deal ( same account and reference number), through Eversheds LLP and are not sure if the amount they are claiming is correct. What do I do next? Also I already have a CCJ with Northern Rock from a separate personal loan, which I just accepted at the time because I was unaware of any other option, that I have been paying from about 6 months. Is there anything I can do now or is it too late? PS both have claiming the amount owned in full. Any advise would be much appre
  13. Thanks I'll try Leicester then. Is the next step to buy the small claims kit?
  14. I live in Leicestershire. Do I have to claim at my local Court or can I claim at Nottinghamshire because they seem to be hearing claims case by case?
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