Brilliant Thanks very much you have been a great help Keep up the good work ! I will let you know how things progress Dave

ok So.. I will contact the Nottingham Law School Pro Bono service to see if they can help me with the detail of making sure a solicitor understands the legal position. Then get a solicitor on board and away we go. Does that sound like a sensible approach? Dave

Hi Sequenci What services would they be able to provide ? I was going to look at appointing a solicitor to do the conveyancing and to take care of the issue with the debt Dave

Hi That's my plan I will discuss with Solicitors prior to appointing to ensure they fully understand what needs to be done. Thanks for your reply. Dave

Hi Andy Thanks for your reply Our house has just gone up for sale and I have read somewhere else that a "Restriction" does not mean that any monies received from the property will be settled automatically ? and that the solicitor dealing with the sale only needs to inform those who applied for application to place the Restriction within 14 days ? What Im trying to avoid is paying automatically from the proceeds of the sale. Dave

so I will prepare some documentation and look to appoint a Solicitor , but before I appoint I will make sure they fully understand what needs to be done and the timescales. Dave

oki doki Thanks

Hi Just thinking and looking at the letters sent from the Land Registry one is addressed to me and one to my wife is this because we are joint holders of the property ? and its nothing to do with the debt Ta

Thanks Andy Anyone know of a good clued up Solicitor in the Notts area?

Hi All Some help please, in March 2010 I received- B136(CO) Notice of application to register a restriction against the land. This was placed due to a sole debt that I had on a credit card, the property is in joint names with my wife. Our house has just gone up for sale and I have read somewhere else that a "Restriction" does not mean that any monies received from the property will be settled automatically ? and that the solicitor dealing with the sale only needs to inform those who applied for application to place the Restriction within 14 days ? Im really looking for some clarity on this as I don't believe a unsecured debt should be turned into a secured debt and I will deal with the DCA once I understand a bit clearer. Thanks Notts

Thanks 2 squid on its way Dave

Hi Thanks for the advice, I dont have a credit card how can I get my credit report without one? Dave

Hi Guys, Its been a while since I was on here for one reason and another, but I have a few questions, a while back from 2000 to 2004 things got way out of control credit card debts etc. I took loads of advice from this site and now Im just about getting things in order. So I have lots of old debts pre 2004 I have been to court with a few and settled and paid up. The question I have is I dont have a bank account or any cards and havent done since 2004, should I check my credit file and will it be clear of the past debts by now? Also I just paid off the last installment from a court order should this also be removed? Im also still getting the random letters for debts pre 2004 Thanks for your help with this Dave

But your right nearly 12 k for 2.5 k payback better than the spanish lending rate

Cheers Andy I will do I will chase the solicitor for this and I have also asked for a monthly statement which they say they are unable to supply Well if they cant supply me with a statement then I may have to force the issue

send the 31.14 and see what comes back This will determine your next course of action

Hi Went to the court today for the Listing and Directions session While there I was approaced by a weird little legal geek, who offered me a deal for a full and final (original debt 11.5k) he first offered 5k I told him him to think again as I was looking at 2k we agreed on 3k. You may think I have bottled out here but the agreement was signed and I felt that if it went to trial I would be liable (If I lost) for costs as well. While Im not happy with the outcome, the stress and all the crap that goes on with these deadlegs I figure I made the right decision

Thanks Andy I will and I will do my best Im sure the fact that they never turned up last time and the DJ said these companies buy up debt without understanding what they are getting may go in my favour Plus last week they changed solicitor.

So I have no default notice and the last time I turn up at court the DJ said what they had presented was a load of crap Lots of pages of rubbish and that made no sense, the fact that they never turned up last time didnt go down to well either. Other than that I pleading total confusion with what they have presented

Hi Last activity on the credit card was 14.02.2004 Summons received on or around 14.08.2009 Dave

Hi Andy I have not made any payment or acknowledged. So at the pre trial review what would I say?

Hi I have to attend a Pre-Trial review and listing directions due to last 20 mins. The questions I have are, Is the debt not statute barred, its way over 6 years old Is there anything else I can do Notts

So whats the best course of action? Notts

Surely thats unfair ?

Hi I recieved a letter from the court yesterday stating, It is ordered that The matter is listed for pre-trial review and listing directions on the ---------with a time estimate of 20 minutes at County Court. So whats the best course of action? Thanks for your help