thanks for the reply dibs so I take it they cannot enforce payment from you?

have been paying cabot monthly after they phoned me over a credit card debt, after a year they then wrote and said they were putting the payments up, cancelled direct debit and waited for them to get in touch they did with a vengence, the telephone calls were incessant. sent them a standard email to desist for harrassment which they did they then wrote to me as asked. when letter arrived it said debt for providian, well to cut a long story short I dont remember having a card with this lot and when I tried to check found theyve gone any suggestions greatfully received

dont really see where a SAR is gonna get me?

the guy is like holding the sword of damocles above me and there is no way out

no YCC were the people who sold the cars to us mugs I mean customers

do u not remember Yes Car Credit they had a wonderful reputation in the end

If a creditor has taken the debt to the county court, they may be able to add extra interest once a charging order is made. Interest cannot be added if:

• the debt is for an agreement regulated by the Consumer Credit Act. This includes most ordinary credit agreements, including bank overdrafts.

or

• the debt is less than £5,000 in total, even if it is not covered by the Consumer Credit Act.
  
• If the debt is more than £5,000 and not covered by the Consumer Credit Act, then interest is set by the court and runs at a standard rate.
  
• SO THEY CAN ADD INTEREST IF THIS IS TO BE BELIEVED UNLESS THE DEBT IS UNDER THE CCA

How does it do that?

A charge on a property means that if the property is sold, the charge has usually to be paid first before any of the proceeds of the sale can be given to the judgment debtor. You should note, however, that a charging order does not compel the judgment debtor to sell the property.

this is from Charging Order who the hell do u believe this is an absolute minefield

according to this site Debt Factsheets - Charging orders in the county court they can sell your home

yeah bought the car from a local garage who had their own finance arm

the car was financed under a contract which said the car was not your property until you had paid the very last payment, as I had car repossesed due to illness and non payment believe when car sold I was liable for shortfall didnt expect it to be given away

I then dug in heels in and said sod you 100 quid on a 4600 car was a joke

it seems the jokes on me

taken to court and ccj issued didnt pay next thing charging order on house and repossession of house threatened went to court to stop this, was successful but judge refused to remove charge order even though myself and co. agreed terms. once again illness forced non payment and again letter going to court to have warrant for repossession which I have since read is actually allowed there is so much misleading information some sites say they can sell your home others say they cant I am totally bloody lost

sorry m8 u are quite right

A charge on a property means that if the property is sold, the charge has usually to be paid first before any of the proceeds of the sale can be given to the judgment debtor. You should note, however, that a charging order does not compel the judgment debtor to sell the property.

in that case why is he trying to force me to pay the letter I recieved states categorically and I quote "take notice that if no payment or contact is recieved from you within 7 days it will be the intention of the company to apply for a WARRANT FOR REPOSSESSION OF YOUR PROPERTY"

This guy is charging me 8% interest from judgement date and charging order fees of 94.00 pound somewhere along the line I've been getting duff advice cos it looks like he cant charge interest on the debt after the date of judgement

sorry m8 I think your advice is wrong they can apply to the courts to have the charging order take force and the courts can make you sell property in order to settle the debt this is why a lot of companies are now using this route to force debtors to settle

as to the 100 for the car the judge said that was perfectly legal as the company does not have to get the best price just to help you

cannot not pay as when I became ill and didnt pay for 2 months had letter saying they were going back to court to enforce charge order and sell my property as I do not want to move the only way to stop it was to carry on paying

direct auto finance, the finance arm of YCC who are all actually owned by provident

no have no original documentation and you are quite right it is an insurance policy whereby you paid and attempted unsuccesfully to claim it back, policy if I remember hardly covered anything and to have to continue paying it for a car I know longer own grates somewhat

people chasing have bought the debt and were calling my home up to 3 times a day have since told them not too

yeah u r correct they did take the car which I purchased for 4600 and sold it for 100 leaving me with the shortfall, can u explain how they are enforcing it 3 ways as far as i can see all they have is the ccj and charge on my property which I gather they took out when i failed to pay ccj

i dont quite understand what u mean by having a charge and paying it also having been paying claiment direct not through court

bought a car from dealer 2001 had car for 2 years and car repossesed taken to court by dealer who obtained ccj for 1300 and charge order on property

as I was working at time offered payments of 30 a month and paid every month never defaulting until had to go on invalidity and finish work

car dealer sent me a letter saying hadnt paid for 2 months as well as a statement of account showing Id paid 850 quid but still owed 1100 as interest at 8% is added to account offered him 500 to go away but he not interested

what i need to know is there any way of getting the interest on this ccj stopped or suspended as Im goin to be paying this forever

YCC is yes car credit

no but were u also charged for the useless warranty they added to the price of the car which also appears to be payable over 4 years would be very interested to know if this policy was also paid upfront by YCC or again if we are being conned out of money

I purchased a car from the dreaded yes car credit company and was told I had to pay for the warranty or no car,

returned car after 2 years but now being chased for remainder of warranty payment on a car I no longer own. does anyone think I may have a claim for misselling on this basis