On the strength of my forum name, most landlords would probably run a mile Thankfully, Edmund will not be renting with me. Perhaps he has gone off to do some renting of his own (remember the episode from BAII when Edmund and Baldrick go down to the docks? Neep, Neep, Neep )

Sexual Healing - Marvin Gaye

They buy debts Delta Charlie. Have a quick squint at their website, where they are quite happy to brag about such things! They might act as agents as well, they probably have to decide which option gives them the chance for the most harrassment.

LOL I wouldn't wish the likes of Moorcroft even on Edmund. Or perhaps he as gone to work for them to get himself some inside information and a years supply of yellow envelopes.

Hi Tembo. I live in an area where there are lots of students wanting to rent, and I do sometimes get annoyed that a landlord is happy to rent to a bunch of kids who will happily trash the place, but they won't rent to someone like me who wants somewhere long-term to bring up their family in as stable an environment as possible. You are certainly right about wanting to treat it as the family home - I would even be happy to do the odd bit of decorating to keep it in order, as long as the landlord agreed of course. The lady at the council gave me the name of a letting agent who happily deals with housing allowance receivers, and they were helpful when I rang them. The council also suggested that I look for houses/flats for rent in the paper and newsagents as often the landlords were more flexible. To be honest, if I found somewhere I felt comfortable then I would be happy to stay there for as long as possible, and surely that is of more benefit to a landlord than constantly having to readvertise for new tenants.

Edmund Blackadder gets yellow letters from the monkeys? Don't tell me he didn't pay Mrs Miggins for the pies! Oh yes, Edmund has been a very dark horse with his finances and, sadly, ran up a fair bit of credit at Mrs Miggins Pie Shop. Mrs Miggins has been a dab hand at getting DCAs and even bailiffs to get back her money, but Edmund has done a runner and is proving a difficult character to find. Moorcroft claim that (thanks to information from a utility provider, yeah right) they can prove Edmund still lives here, but as I haven't had so much as a sniff of his codpiece in my home in over 2 years and have now got rid of the last of his belongings of Ye Olde Ebay, methinks that they are attempting a bluff. (Plus, I had all utility bills put in my name as soon as it became apparant that Edmund had, indeed, done a permanent disappearing act.) Perhaps I should send them Baldricks codpiece in a yellow envelope. That should be enough to make them back off for a while.

Thank you for all your support and advice. It is nice to know that I am not the only one who is going through all this. I think that's the hardest part for anyone facing this kind of situation - the fact that it all feels so lonely. Thanks for the suggestion Meursalt, but I don't have any room for a lodger, and even if I did the mortgage company would stick another 1% on the mortgage. You can't win can you!! However, I have done a few car boot sales and sold off a lot of old toys, clothes and junk on ebay which has netted a few pounds to put in my emergency fund. It has also funded quite a bit in the way of school uniform/childrens clothes & shoes, a trip to the vet for the cat, and paid off a few small debts. I would recommend to anyone who finds themselves in financial difficulty to sort out anything that they no longer need and see if it can be sold. You obviously already know the horrors of losing your home, so I really do hope that you don't lose another. Please let me know what happens. Crapstone, just like you I wish I had discovered these forums sooner as I could probably have saved a small fortune. However, I have also learned that even though debts have been passed to DCA and subsequently paid off, I can still claim back illegal charges from the original creditors so all is not lost! Anything I can gleen back will be a bonus. Your last comment made me smile because I recently rang a local estate agents to find out about renting. The woman I spoke to was all nicey nicey until she found out that I would be needing partial help with housing allowance to pay the rent, and that (horror of horrors) I only work part time and have tax credits to boost my income. She ended up being very rude and patronising and said that she 'didn't wish to cause offence, but people like you are not what our clients are looking for' I asked her to clarify what she meant and she went on to say that people on benefits were not the kind of people they dealt with. I told her that, actually, I work and was not living entirely on benefits and also was more likely to pay my rent because I was being given money to help with it. She really upset me, but later that day I had to ring the council to find out about housing options and I spoke to a lovely lady who said that I should ignore the woman at the estate agents and that what goes around comes around and maybe the woman would find herself in my situation one day. That cheered me up a bit . Anyway, that is the long way round of me saying that your comment 'but for the grace, it could be them' is absolutely spot on. For the first time in a very long time, I feel someone understands. Thanks again

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Hi Crazyfox. I am just wondering if you have moved home since you had the bank account and whether or not correspondence could have been sent to an old address. This leads me to another thought, which is could the charging order have been made against another property that you previously owned? I know the chances are slim, but the reason I ask is that if someone tries to apply to have a charging order applied to your property, you would receive letters from the Land Registry allowing you the opportunity to appeal (even though they never do anything about your appeal!!) I know, because thanks to my ex there are 3 charging orders on the property I live in, and I have received letters from the Land Registry, the solicitors of either the creditors or DCA, and also the courts because I have an interest in the property. If you haven't received such paperwork it leads me to believe that Crapquest haven't behaved quite legally, especially with regard to the Land Registry stuff. I may be barking up the wrong tree completely, but if Crapquest haven't done what they are supposed to do and this has lead to you not receiving the correct information then you might be able to stamp on their heads for it.

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The Look - Roxette

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Substitute - The Who

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Eclipse - Pink Floyd

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