No i admitted to the debt, (even tho cca never received faulty dn etc..) thought it would be easier, just to pay and keep em off my back ( lol.) the court decided at northampton they set the payment at 20 pounds per month according to what i can afford by the I&E i sent with it..

hi guys let me backtrack the original ccj was from northmpton ccbc, which i started to pay. mbna objected to the payment then asked for a redetermination at wandsworth, which i objected to, got it transferred to bedford my local court, but heard nothing about a hearing till they gave mbna the forthwith.. Hope that clears it up? and now they've started the charging order any idea chaps? My only fear now is i'll get steamrollered on this and they'll give it to them?

Thanks andy am looking through it now to see if there's a date to object by and here's some of the stuff they sent http://s980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/ http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/Switch.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/Judgement.jpg so the original judgment which i stuck to, then the little trick that optima seem to be doing to a few people on various other sites redetermination then go for CO then the new judgment that i had no idea about till they came through the door a day apart.. Hope it helps, cos am not in a good place at the moment, too much thinking of the worst i'm afraid..

Original judgement was in october first payment was for november and yes as far as i can see the claimant asked for a redetermination in a court near them.. Another creditor did get a ccj against me 9.5k and they accepted the 20 payment Property is jointly owned wife and my self it is also shared owneship Other creditors in talks with at the moment nominal amounts paid to them at the moment Children are fine ( thank goodness.) will try and scan other stuff for you today, Are these people now going to hassle my wife, after this land registry was sent to her, because her mental health will not be good if they start going for her when they are in my name only.. Oh! and i applied to have it changed both by phone and by e-mail, which i should still have somewhere. Do i have to acknowledge this within a certain time or is it the 7 days before and what about that N244 form is that not needed now? And Andy thanks for the link except it seems joans similair case means i'm gonna be stuffed when i go to court by the looks of it.

Think with the state of my mind at the moment am gonna need help with that buddy, cannot think straight at all, tried to do the right thing by paying off what i can afford and have been thrown to the wolves so-to speak!! keep reading about this Mercantile Credit Co Ltd v Ellis in 1987 will that have a mention or am i barking up the wrong tree?

hope so, but am at work tonight so hopefully we'll catch up tomorrow, i'm sorry but everything they've not supposed to do, they have done and done so with impunity, and it seems now that they'll easily turn an unsecured card into secured and then forcibly sell my home, because this looks like what they've intended from the start...

the original ccj has no missed payments whats happened is they've ask for redetermination! I wasn't informed of the hearing date 21st december, neither of us were there, he's ordered a forthwith, 21st december, which i only received thru the post on jan 15th yes was in default for the forthwith (which i had no idea about. mbna obvioulsy knew because they went and have been granted an interim against me..) but not the original ccj. am i making sense?

Lol just phoned the court no apology nothing interim has already been granted by the court, hearing is set for 4 weeks time... They've said the same n244 form have checked my address, i asked why i didn't get any notification of this hearing (silence......) how if a judgment has already been made which i adhered to, how it was granted to the bank?( more silence....)

i'd like to think so, but really don't know now after this... Sorry to be a pain but am at wits end right now and can't focus properly, so do the n244 form fill it in make three copies and take it in to the court and pay there? Also can someone step by step for me as i really can't think right now, what else do i have to send them copy of the original ccj? and receipts for the payments i made on them etc etc? do i also need to send in an i&e for them as i really can't afford more all the money that comes in goes out! my other creditors accepted the 20 pounds per month and am in talks with the other two atm, but mbna are the worst and have been throughout..

no both work, but wife part time after baby i've lost all but tiny overtime etc etc

Thanks for that donkey, how exactly? the phoning up or the n244 form? cos 75 pounds is rather a lot at the moment and someone asked about children? we have two one is 5 the other is 16 months but mbna really don't care about that do they? Not sure about the uncontested as a ccj was awarded they wanted redetermination, and whallop i'm stuffed lol..

Hiya! Neither of us were at the hearing i really don't know whats gone on except the dj obviously favours the bank? the hearing is for this interim order to be heard! what are my steps if you don't mind me asking money is quite tight and need to know exactly what i can do without throwing money away at the court to just turn it down. all i received was a new judgment with the forthwith order then mbna's rather large bombshell with the interim order etc... any advice please

Debt is 11k and was ordered to pay 20 per month by the original ccj which i have done without fail what worries me is i have had no notice of a hearing but looks like mbna had the heads up hearing is 5 weeks away that any help.. What troubles me as well is the fact the DJ didn't obviously look at the case and just ordered a forthwith...

Bit of background have a couple of ccj's against me didn't contest as i thought i'd rather pay it off slowly and get it out of the way! 1 creditor was happy with the ccj and have set up a S.O every month the other mbna not happy and asked for re-determination at a court near them (150 miles from me.) in the meantime have been paying them the amount specified on the original judgment, did manage to object to the hearing so far away and got it switched to local court, heard nothing about a hearing whatsoever. until Friday i had court papers through the door dated 21st December telling me as no-one attended the judge ordered a forthwith to them (had i been informed i would have attended.) Saturdays post came with a interim charging order on my home but addressed to my wife, she is now beside herself with worry and her mental health has not been good for a couple of years.. As they've sent this what are my next steps as i feel i've been totally screwed both by the court as they already accepted a payment plan which i could afford and have now handed my home to mbna who will go down the selling of my home route. What can i do cos we are both at our wits end.. Please please help...

Well my brother didn't read the letter properly to me! just had an interim order against my house through the post in my wifes name.. Seems that cos neither of us turned up for the hearing in december i had no idea about it (any advice!) they've overturned the installments i was paying and ordered a forthwith! it only came through the post this week but was done 21 december please please help what can i do now? the hearing is in feb i need to really find out what i do next as i'm really really panicking now... And my next question is what can i do about not being informed by the court about the meeting and not getting the letter through till today 3 weeks after the hearing!!!! can i get this set aside??? Please help chaps am so afraid of losing my home due to this cos mbna will go for a sale of the house next when they get this charging order..

Well seems my local court has, sided with me!!! and have just sent me a letter stating i have to pay the judgment. Does this mean the original judgment? And if so what can mbna do now will they appeal again and again? Any advice please?

Thought as much, no probs will give it a go then. Hopefully they won't send someone from the bank seeing as they tried to get it moved to a court near them, just hope the judge doesn't rule in favour of them as they do tend to do these days...

Thanks wino. Just the seeds of doubt creeping in and when you read, and read and then think i'm going to get rolled over here etc.. But my other creditor has accepted the payments and they are only a thousand less than mbna, wont that be favouring one over the other? Plus will i have to attend or will they do it like the first one?

Can anyone please help am getting quite worried about what i have to do now, as this has been shifted to a local court, can anyone just spare a minute or two to read it over and let me know please!!!

Well have got this re-determination shifted to my local court, can someone please please tell me what is likely to happen next? And what do i need to take with if i have to show up in court?

Well had an e-mail today that they have agreed to transfer the, claim to my local court which will save me a lot of effort! now will a judge look at this again then decide to uphold what i can pay or is he likely to try and get me to pay more?( Which is obviously what mbna want..) Any views?

Hi sorry sillygirl the chap i spoke to was at wandsworth and he said send them the e-mail and they'll transfer it? which i have done, just want to know what they're up to and obviously what they are after!!! Should i still send one to the local court to make sure?

Any help with this please!!!!!

Next question any idea what these idiots are up to? do they want more money when another creditor has agreed to the same amount (won't that affect it, as they want me to then favour them over another?)Or are they trying for the house route? Sorry to be a proverbial pain here but how likely are they to win a re-determination, spkoe to a chap at the other court and all he said was (send us an e-mail and we'll arrange for it to be heard at a nearer court, and not the original court where it was heard!) Any advice please getting really nervous now...

How do i go about this? Seems very suspect to me that they want it transfered from northampton to wandsworth! fair enough i added my i&e with what i can afford and they seem hell bent on trying to get more, blood out of a stone principle here...And how worried do i need to be yet again? Next thing is the letter says it has already been transfered to the other court dated three days ago! shouldn't i have been notified!