Helpww.consumeractiongroup.co.uk/forum/showthread.php?335597-Charging-Order-on-house-for-Car-finance-£25k-from-ex-boyfirend!!-Help

Hi can you help me with my thread. im new on here thanks.consumeractiongroup.co.uk/forum/showthread.php?335597-Charging-Order-on-house-for-Car-finance-£25k-from-ex-boyfirend!!-Help

Is there anything i can stop the charging order? i am even prepared to give shoesmiths £5k savings to stop? the house is in negative equity and i have paid the mortgage payments for last 4 years!! i work 2o horus work and get workign tax credits and childcare allowance etc.

Hi,my partner bought a car in 2007 with secured car finance for £20k. The repayments we 350 a month. Lombard Finance (july 2007)after 3 months of the agreement he ended up with a 3 years sentence and was in jail from december 2007 to jan 2009. i wrote to them to ask to lower payments they declined. he then continued to pay for the car until hei got out (11 x £350). he missed a few payments when i got out and they lowered them to 250. he never paid one after they lowered it and they never sent me any default letters each month all i recieved was an end of year statement. he sold the car to someone who said they would settle the finance aorund feb 2010 (ihe gave them the car .. Stupid i know and finance hasnt been settled)I own a property with my him. i paid mortgage since dec 2007 til present. when he got out of jail in jan 09 he lived there for 2 months then we split and he moved out. We are tenants in common on the mortgage. the morgage is 144k and the value is around 140kwe paid 160k for it in 2007 and i have a 52.5 % share becuase i paid 8k deposit and we had 8k vender deposit. They (shoesmiths solicitors) want to put a charge for 25k on the property for the debt . they have an interim order. I have been sent an objection letter from the LR and have to respond in 4 days.Lomabrd (shoesmiths sols) dont know where my ex is What shall i do? what shoudl my ex do? i liive in the house with my daughte rwho is 2 years old . i have paid morgatge and will conitnue to do soLambard have not made any efforts to find the car ( i have an idea where the car is) or locate him really. they didnt send default notices for 12 -18 months when he wasnt paying. Now they want 25k against property.What are the best options to stop this? Thanks Janice

Many thanks again - will do. Sorry to be so dim ... where are the "Goldfish threads in the bank claims section" ... New to all this and need pointing in the right direction. Hi Folks, another Ostrich who has 'Ducked & Dived' out of desperation and is now in need of help. (Sorry if this is a bit long.) I recently received a claim form from Northampton bulk with the issue date 12 Jan 2012 and the Claimant is Wescot SPV Ltd who say they bought my debt from Goldfish apparently in 2002. I stopped paying Wescot for this debt (and 3 other debts that they had bought from other Cards but may have now sold on) in May 2006 when I moved from my home to a rented property. I did not tell them where I had moved to, just that I was leaving and would contact them when I found a permanent address. (ducking & diving.) I don't remember when they started to write to me at this address but I don’t think that I have acknowledged the debt or the fact that I'm living here because I think I returned their letters as 'No longer at this address etc' but, in any event, I don't believe I've had a letter from them for at least 3-years? I think that my last payments to Goldfish were in 2001/2002 because Wescot say that Goldfish terminated their agreement with me and sold the account to Wescot at the end of 2002. I also assume this because Wescot are claiming interest @ 8% from 10/11/2002 to 11/1/2012. "Get on line now and do the acknowledgement and we can do a defence, odds on Westcot will not have the correct paperwork (next stage is to CPR them) and will discontinue." I submitted an acknowledgement yesterday but I have no idea what a 'CPR' is or how to submit one? Next I was advised to mount a defence on the basis of the advice below: "The payment to Westcot does not count as a payment by you if it was made under duress, which can be proven easily, so it IS statute barred as it is over 6-years since you paid Goldfish." "Highlight failings in communicating to you that the debt was purchased. The fact that the debt is nigh on statute barred (if not statute barred already). The claim for interest is wrong as they can only claim 6-years interest, not the amount they are claiming as it is NOT a debt under seal (as is a mortgage (in fact, 6-years is questionable." Obviously, by acknowledging the claim I am effectively admitting that I live here but could still claim that someone else passed the letters on to another 'temporary' address. 'Carry on Ducking & Diving' My questions now are: Do I have a defence? If so, what do I need to mount a defence? Can I ask for paperwork from Wescot and then decide? If so, what should I ask for? What is a CPR & do I need it? Many thanks for reading this ... All and any thoughts will be gratefully considered.