Thank you for all your help. You have been a god send explaining all this to me. Hopefully the installments will be approved by the judge so the charging order would be denied. I hate when things go pear shaped financially. I know things will improve though, and then we can get back on track. Time to scrimp on the nice things still and just pay them off asap when one of us is working again. Again, thanks for all your help.

Yes, it was re-determination. Whew. What happens if the charging order is approved? Id rather be aware of what may happen then stick my head in the sand about it. Fingers crossed the judge will accept my payment offer.(re-determination request)

Yes, I had an admission form. I sent it in admitting that I owe the debt. I do owe the debt, and plan to pay it. Right now money is tight. Im on icapasity benifit due to severe pregnancy benifit and my husband is on JSA ( he lost his job last year right before i was due with my first child and there are no jobs available were we live at this time.) With that form I sent in an offer of a payment i could afford at the time. The judjment came back saying i had to pay the full ammount. When i phoned the courts they told me to reply to the judgement with a letter asking again with a payment offer. Again explaining my circumstances, but going into more detail of money comming in and going out. I did so before the 12 day deadline. No reply from the courts yet. 2 days after posting that off I recieved a letter saying that they have applied to the court for a charging order on our house. Now i dontknow what to do.

No i dodnt know it was pending. But I send a request for payment arangements detailing my financial situation. Now they want to do somthing with my property. I think its secure it on my home if i were to sell it. I recieved this after i sent my reply, but i still havent heard from the courts about that.

I am no pro at this. i can anly guess the reason its concidered deliquent is because you are not paying the min amount set out by the origional trems of your credit agreement, even though you now have a new payment arangement with them. Anyone else have a better explination?

Just got a ccj in the post. im not sure where to proceed from here. I want to make a payment arangement but dont know how to go about it. I want to keep the baliffs off my door. Any help and advise would be greatly appriciated. Im sure there are things posted on here about it but i cant seem to find it. thanks

Hi Just an update. Havent sent out the letter yet claiming my money back. Saving up a bit to open another account at another bank just in case. Hope to do so in a week or 2.

Recieved my statements today...took me 30 min to put them in order as they came in 15 envelopes all mixed up. ( i believe they did this on purpose...i dont care....im anal about sorting things so i enjoyed it...lol).But they sent them with time to spare. Grand total?....£1,321.00 Would come in handy right now...have a 4 month old and I am expecting our second child. WEEEE. (honest...its a good thing...get to screw work over again for mat pay...they arent happy with me at the moment...returning from mat leave to tell them im preg again!.....go on fire me...MORE MONEY!) Ok, ok....im a bit excited...its the prospect of all that money....lol. Have done my request of payment of charges letter and schedule of charges. I will post that off this comming thursday as i want to open another account first. Will keep you posted.

OH yes...ive read the FaQ...cant say i understand it all...but ill just take one step at a time...even if it does give them more time...it will be worth it when i get my money back. Right now my plan is...let them have the 40 days...on day 30 i will start looking up the next step...so hopefully i will know what to do next (the thread with the list of steps is in my fav folder for easy reference) Here's to al bank charges being refunded!!!!

Just sent out my letter for the charges on my account....the forty day ticker will be starting on August 8th. IM VERY GRATEFUL IN ADVANCE TO ALL THOSE WHO HAVE HELPED BY PREVIOUS POST AND TO THOSE WHO WILL (EVENTUALLY) REPLY TO MY POST REGUARDING QUERIES. I suspect i will have about £800 in chages, but would not be surprised if it were more. This money wil be useful as i have just had a beautiful baby boy who is now 2 1/2 months old (the money would go a long way for geting christmas presents in advance...let alone the cost of nappies). Ill keep you all posted on any and all progress. Thanks Tamara