Thanks guys will get stuck into this, this weekend for sure! am supposed to be meeting with CAb tomorrow, but do think it's going to be a bit of a time waster? Thanks for your help guys, yes themould i understand what you want me to say will have to re-organise my first n244? and any time you can spare is a godsend! i know your not abandoning me, and you have your own problems much worse than mine, and am sure there's great help to be had by others here Anyway have sent the e-mail requesting the documents, have sent two letters yesterday to land registry and to optima (contesting..) a letter is off to the court manager today, so when i get all these back i can attack both n244's and my witness statement. but am not holding my breath with optima if they haven't already furnished these before and was i supposed to get em? Hiya! mould et all their sols have got back to me straight away and basically said ( get lost! will furnish me with the docs i already have. and that these are what they'll be using in court in court but will not send me the others docs i asked for, re: the redetermination etc etc... Any views.

Ahh! So the land registry ones i've sent off quoting the mercantile are no good then? Doh!!! I realise your going offline for a while so is there anyone else i can get to help me with this... because i think i'll need a witness statement with my first n244 won't i?

Don't think it would stop mbna from trying, absolute pigs they are! And the sneaky way they've got my original installments overturned and now an interim i wouldn't put anything past the &%#$@...

Thanks for that! better to hear from someone who's been through it! my biggest worry was them trying to force a sale of my home? but i've calmed down a bit now after i've read a bit more that's it's highly unlikely to happen? but with mbna they seem to do what they want specially in my case!!! but thanks for the kind words sparkly!!!

Sorry are you saying even after a co against you they still want another redetermination? Sounds like my lot? have my hearing on the 24th... and even though being helped on here i feel like it's a losing battle...

Oh great can anyone help with that? And how do i fill in the second n244? Biggest problem is i don't get paid till monday and is it a major problem mould if it goes in on that day instead of friday? Have calmed down a bit after reading incredibly unlikely to force a sale of home if debts are in my name only (which they are.) and force family out but views appreciated!!

Hi there they've done exactly the same with me, seems to be the way they operate. My court stuff is 24th this month (seems all the dj's are on their side..)

thanks mould do i have to do a witness statement and if so can anybody help with that, will also need help on the second n244 please if they are to be in by friday..have written to the court asking for all of that can't get there in person as i have my little one... and no car seat for her.. If i phoned them would they be able to e-mail it to me? Just twigged am i filling in these two n244 forms with the same particulars but just different headings mould? Anyone???

Ok thanks for that will have to get my bum into gear can anyone help me with the other n244 then or as you've said above am i wasting 115 pounds for nothing if the court is unlikely to listen to me? And no have had nothing from mbna concerning this court hearing only the stuff i have posted up, again any help on filling in the next n244 form? do i have to copy all the postage receipts as well and then send all copies to optima? Again can anybody help please am getting extremely worried again all i have for my defence of this is all the payments i have made to the original ccj and a couple of acknowledgments from them an e-mail telling me the case has been transfered to my local court, then a forthwith through the post 3 weeks after i wasn't notified the land registry stuff and the letter from optima which i've posted please please help mould says i have to get these in by friday with my two different n244's...

I sincerely hope you do well gem!!! Mines still a month away but the sleepless nights will continue!!

Again like Shylock cares!!! Pound of flesh isn't enough for these maggots! they really do not care about personal circumstances!! just money!!! hope things get better for us!!!

lol they've not advised me to get a solicitor! couldn't afford one anyway nearly all the money that comes in goes out on bills mortgage etc etc... they know i can't afford one and can't get legal aid so roll on the big business!!!

Similar age to mine!!! i know people on here keep saying they can't force a sale etc etc, but the banks seem and do get away with what they want i know that sounds bad but in my experience that seems to be whats happened, have definitely got a few more grey hairs now..

Sounds very very familiar, and it seems to be the way they operate am up and down like a honeymooners duvet at the moment, thought i would've been protected by the court system (durrrr.) then got completely you know what by them. A few people have said its been a major balls up but my concern now is once they've done it they are more and more unlikely to rectify it.. my biggest worry is if they get a co on my home they will force a sale of it and my wife and two young children are going to be without a home...

Ok! So as mould says just a short paragraph telling them i object to the claim etc etc. and how do i go about the letter to the court manager about why i never received any notification of a hearing and why an instalment order was turned into a forthwith without a hearing or either attending? mould is helping me with 2 sets of n244 forms nearly got one finished but need to know when to get em in if hearing is on 24/02/11 Any help please!!! Again if i lose this to mbna what do i ask for in regards that they don't force a sale of my house and make my family homeless?

Oh you can borrow my t-shirt! have had some great advice from people on here, but the biggest problem i've found with mbna is, what they shouldn't be able to do, they do and get away with it, can only hope we both get things sorted out cos my heads broken the wall with em..

So am i gem!! am at the interim co stage where i've been paying by installments they've gone for redetermination, been granted a forthwith and am now being helped on here, but the more i read the more i panic as it seems to always favour the banks!!!

Having a similar problem myself a ccj was awarded against me with an amount i could afford (which i have been duly paying,) they went for redetermination at a court near them got it transfered to a court near me heard nothing more until a forthwith order came through the door three weeks after a hearing neither of us new about or attended, now they have been awarded an interim co, which they will no doubt get made final looking at what's been posted on various threads..

Thanks mould will get on with my home work from tomorrow am very busy at the moment thank goodness i've got a month... any ideas on the timescale to get these n244 forms in? And realistically speaking am i just in with a 50 - 50 chance here, or is is going to be a case of the judge lottery yet again? Any ideas form anyone please as i need to start getting my bum into gear!!! hi guys just to make sure, will a short paragraph to the land registry stating that i object to the app for a co suffice or do i have to put down why? help on this please as i need to get em off by tomorrow! Thanks!!

Thanks for that mould will start filling this out on friday morning with your help!!! So am i filling out two n244 forms? one will be 40 pounds and the other will be the 75 pounds? Am i still going to write to the land registry with short para to say will be defending etc? And also to optima to let them know or wait till they get the n244? And lastly do i still get in touch with the court for the documents that weren't sent along with a complaints procedure etc? Being a pain again sorry but, have tried to play fair with these people and hasn't worked so may as well go on the attack as you've quite rightly suggested!! Oh! and i've saved the n244 to my hard drive to do whenever, so print off three copies as you've said!!

Nope still no e-mail notifications? anyway thanks for that as for the money well if it gets these overturned, as you say best form of defence?? what forms do i need to get fill in? thanks for your help mould, hope you had a good weekend? And will this get these done before the hearing date of the 24/02/11 ( or will i still have to attend that one as well?)

Hiya mould! in relation to :- (Bilious, how do you feel about filing an Application for Stay of Execution in respect of the forthwith Judgment granted at the redetermination hearing that you were no notified of that over ruled the original Judgment/Order (Instalment order to pay)? Also, how do you feel about making an Application to set aside/dissmiss both the said redetermination Judgment/Order (forthwith) and the Intrim charging order/final charging order?) Definitely a yes for this just want as i said to continue with the original judgment that i could afford, now how do i go about getting that?

Lol will need to put that in english that Mr has no idea what any of that means in legal speak... at the end of the day mould i would be happy with the original judgment to pay off what i could afford! i know that may sound stupid to some but at the end of the day i just want protection from the unspeakables lol and pay it off when i can afford to do so or am i sounding a bit naive??? Another quick question if this interim is granted to a co will this affect my wifes credit rating as all debts are in my name only!!!!

Gentleman as always! will have quiet weekend with family try and relax then get my bum into gear monday and send off these letters! the land registry on seems to want to know exactly why i'm obejecting to this (hmmmmmm.) with all my particulars which they say they will pass on to optima! great eh!

Right here's the land reg stuff you asked for chaps hope these links are ok they seem to go down almost as soon as their put up (bit of Elvis going on i'm afraid.) http://i980.photobucket.com/albums/ae289/tuvelpit69/Land%20registry/1.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/Land%20registry/2.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/Land%20registry/3.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/Land%20registry/4.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/Land%20registry/5.jpg Hopefully bit more info for you?