About a year ago.

Yes, I think it says in the SD that they are prepared to release the charging order. Well I need to file for the SD to be set aside tomorrow so that's what I plan to do. Thanks everyone for your help, if anybody thinks they can add any more info. I will be very grateful.

No, no payments were made either. The thing that worries me though is will they set the SD aside if it is backed up by a CCJ which I have not complied with. If not I could be made bankcrupt very soon, unless I can then offer to make some installments? Ok I could now challenge the CCJ but they may just say sorry too late when they consider the SD.

Yes there is a six year gap, I have a default notice issued by the bank then another about 4 months later by an agency. The county court action is within six years of the second DN but not the first. The problem as I see it is the leaflet from HMCS says that SD will not normally be set aside if it is based on a judgement, but it does say unless the amount claimed is secured which is why I mentioned the charging order.

I don't know exactly what they can do with a charging order, I would think it would be difficult for them to force sale as I am not sole owner. Sorry, what do you mean about the closer the better?

I have recieved a statuory demand which I would like to defend as I believe court action was started more than 6 years after issuing a default notice. However the creditor already has a CCJ against me which I have been meaning to appeal for the same reason. The creditor has obtained a charging order against my property. Can anyone please tell me if it is possible to use this defense now or should I have appealed the CCJ earlier? Does the charging order make a difference because the creditor has security? PLEASE?