Unfortunately the world is full of immoral people. Income tax evaders, Council Tax evaders, benefit cheats, car tax dodgers, debt absconders etc etc. It ends up with US paying more. Grass em up!!!!

What about cases where a complaint is raised which has absolutely no validity? Would you trust figures provided by ANY Govt. Dept? There is no way a civil servant writing a few letters costs £484 unless you are paying them a fat salary. Though I suppose they have to fund their gilt edged pensions somehow. FOS was created for the same reasons this Govt. has created so many other quangos and civil service positions. Jobs for the boys funded by our taxes.

Sorry, got my year of purchase wrong! If their is no equity I very much doubt cabot would try to sell or a judge would ever agree to sell.

It is if Cabot are considering enforcing the sale. More creditors are doing that these days. If they try to enforce there could be some serious costs going on top.

Out of interest, what is your equity? If you have owned it for 15 years it must be rather impressive!

Will they win though? The judge knew the law when he made the decision. Presumably he must have researched legislation? He clearly thought this 'law' went against 'natural law'? Must say I agree. It does seem pretty stupid that a fee is payable by someone FOS admit was an innocent party! Lets be honest, the real reason they wanted to set up this organisation was to create jobs and fat salaries for 'the boys and girls' at the ministry. What with constantly losing personal data, then this, the old fines and costs must be racking up! Doubtless taxes will be raised to compensate...

My view? No chance.

Just phoned my mate, it was 'Trowbridge County Court'. The creditor does not have a choice in the legislation. They simply REFUSED to pay the invoice FOS sent them! Rather than writing it off the FOS issued a summons thus resulting in a Court appearance...and a humiliating loss. I must admit I find it very funny whenever our utterly useless Govt/Civil Service get egg on their faces.

A pal of mine who works there said they have just lost a court case. Apparently the creditor refused to pay the fee because the FOS admitted the complaint was totally without foundation. The FOS sued the creditor and lost. They had to pay almost £3k in Court costs as well. The judge said it was wrong for a Govt. body to charge a fee when the creditor had done nothing wrong. See his point. I mean the OFT are saying a £25 fee for bouncing a cheque is wrong because that is not the true cost, which is fair enough, so is a bit hypocritical to consider £450 a fair fee for some jumped up clerical nobody to write a couple of letters! Apprently this has spread like wildfire and although they are publicly saying they will appeal, they may not as they fear another loss and their little empire comes crashing down. They have fat salaries and nice offices to maintain so they want to keep this very quiet. Does anyone else know about this? Couldnt see in mentioned here.

What would be your reason for asking a judge to overturn a charging order already granted by a court?

Absolutely appalling! The moment they called they MUST have known she was 82. Also, attacking this poor lady when they already knew your telephone number and address. Appalling.