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badger220987

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About badger220987

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  1. Thank you I will do this now, I am so worried they will increase the amount and drag it back through the courts. I just could not go through that experience again, I know some people can but the stress was too much for me. Do you think it is possible they will do this, as to increase the payments I would need to go to court again I assume. To be honest I would rather sell my house I am at an advanced age and terrified of it all starting up again. I will write to Incasso now. thank you for you time it is very much appreciated Clare
  2. Hello please could someone advise me....After a long and stressful period 3 years ago which lead to me having a nervous breakdown Tesco Finanace managed to secure the outstanding balance of a loan against my house - I went to court and they now have a charging order on the property for when I sell. I have kept up the payments religiously as ordered through the court - This is paid through Incasso LLP. Last week I was contatcted by DWF to say my account has been transferred to them and I was to pay them direct, they also want to contact me to discuss future re payments etc... what should I d
  3. Thank you do I ask the debt collector who is dealing with this or the original lender for the T&C? How is it est to word this to the Judge? or is it worth mentioning? Many thanks
  4. They added it on I did not ask for it. Thank you for explaining about the SAR If I send this to the people taking us to court (which is in 2 weeks) how does this alter the court hearing, what do I need to say to the DJ? I am objecting to the CO on several grounds a) we are in negative equity b) I thought I had made provision for the possible loss of earning with PPI Which i have paid out almost £2000 over 3 years c) the debt is in my name and not my partners d) We have 4 other creditors who we owe more too and they have accepted a token payment and frozen interest and charges
  5. Sorry reposting as I was in the wrong place...We have a small family run business that has been hard hit by the recession and seen our income reduce by over 50%. I have 5 creditors who I have communiacted with at all times regarding our situation and with the help of the CCCS we have set up a token payment for them all, in fact 2 have put us on a severe hardship scheme. Only one of them wanted to take this further and took me to court for a ccj, (strangly enough it is the one we owe the least too just £5,100) this was awarded and I was told I must pay an increased amount of £18.0
  6. Yes I did admit the amount originally as I took advice from the CCCS, I did not explain to them about the PPI . Please could anyone advise with regard to the SAR can I do this so near to the hearing and what should I say to the judge about this?
  7. Many thanks for taking the time to read my woe..Can I ask for a subject access request as im am so close to the hearing date? how will obtaining this help me? thank you in advance
  8. We have a small family run business that has been hard hit by the recession and seen our income reduce by over 50%. I have 5 creditors who I have communiacted with at all times regarding our situation and with the help of the CCCS we have set up a token payment for them all, in fact 2 have put us on a severe hardship scheme. Only one of them wanted to take this further and took me to court for a ccj, (strangly enough it is the one we owe the least too just £5,100) this was awarded and I was told I must pay an increased amount of £18.00. I have paid this religiously and have all the rec
  9. The debt is £4,900 and we are currently paying £21 a month ?
  10. Thank you summerbreeze You really have made me feel a lot better about the situation! I will let you know how it goes!! Ganymede Please could you tell me 1. What is a forthwith judgment and how do I best respond to this 2. If they ask for the CO to run alongslide, again what do you suggest we say? Apologies all very new terminology to me!
  11. Thank you both for your reassuring words!! I cannot tell you how good it is to know I can speak to others in the same boat. I can honestly say debt is a very lonely place! Thank you If there is anyone out there reading this that could tell me to expect the charging order to be brought up tomorrow and what I should say/do please let me know I would like to be prepared. The debt is in my name and the mortgage in both our names I wondered if this made a difference?
  12. Thank you for that, How can I ask others to respond to this message this evening? Oh and thanks for listening! Clare
  13. No we have payment plans with them - No other CCJs I would like to think we could handle it, mind you feel physically sick at the thought of tomorrow at the moment!!
  14. Can they request this at the hearing tomorrow? Can we object to this? Do you think the very fact that all the other creditors have accepted our offers (which is far less than theirs) will be in our favour?
  15. we do have a property but we have very little equity left in
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