Hi guys hope you dont mind me jumping in but i had to tell you about my day in court. so today was the big day Restons/MBNA against little me, they were trying to get the final CO BUT WOULD YOU BELIEVE THE JUDGE THROUGH IT OUT. He said that as i had been keeping up with my instalments they couldn't have the final, so he dismissed it. Not only that he also said they couldn't appeal although they can through the high court and knowing Restons they will but i will worry about that if and when it happens. So what i really want to say is THANKS TO YOU ALL ON CAGS as this site has been invaluable source of information, it also helps to know you are not the only one. so again THANK YOU ALL.

Hi there about to do letter giving reasons against CO but will it make a difference that the judge has given permission to the claimant to apply for CO if they think fit!

Hi no thereare no charges on this account and yes it is a credit card. whats really annoying is that everything was ok until i went with a DMP in november 2009, thats when my problems really started. firstly they did not explain about the 1st 2 months being held on account then missing payments. i eventually sorted things out but MBNA did not care that it was not my fault about missing payments and sent account to restons. my other creditors who are all larger have been great and stopped interest just putting default on accounts. so when you say counter claim for charges is this for court charges aswell. they have put on least 165.00 so far in what they call costs?

the original claim was issued on the 17th september 2010, i filled in the form N9A with an offer to pay of 32.00. on the 5th october i got back JUDGEMENT FOR CLAIMANT (after determination) saying they objected to my offer and that i must pay 32.00 per month starting on 5th november.i have been paying this since september. i then got a redetermination hearing for the 15th december. it was at this hearing that restons asked for the co and the judge said i should allow them to go ahead as it would not be a problem for me as i already had the ccj and that was more of a problem. since then i have had the interim charging order and that the application for the co will be heard on the 10th march.

Hi there this is my first time here so please forgive any mistakes. back in september restons took over my debt from mbna, they wanted instalments of 110.00 a month which i could not afford so they applied for ccj which i got with an order to pay instalments of 32.00 per month but they were not happy with that so applied for redetermination which was held on 15 th december. i was then advised by the judge to allow them to go ahead with the charging order even though i have been paying the monthly instalments. so know i have the interim charging order with the final order hearing on march 10. after reading posts hear i realise i should not have agreed with the judge but can i stop it now? please help