If you are discharged you can get an account with a proper bank, as already said. It might just be a cash account, but at least you can get one and it won't be costing you £14 a month. Think Money are notorious for taking your money and not putting where you can get it. You don't need them. They've done you a favour.

I wasn't suggesting the OP ignore the debt completely, but he/she seemed to be worried that the house would be broken into by these people while they were out. I have written to the council with an offer for repayments, but trying to discuss anything with the ignoramus who hammered on the door was not possible. He was like a parrot who had learned one phrase: you've got till Friday. It is better to know your rights so that you can move forward on that basis.

According to the CAB's website and the new rules which came in April 2014, they cannot take your vehicle if there is no public transport, or if it is on finance, unless it is worth more than a certain amount. You should have a look. I had a very aggressive and rude man turn up on Wednesday who answered every suggestion I made with you've got till Friday. I told him I didn't have the money and wouldn't have it Friday either, but still that is all he would say. Don't be intimidated. I also learned that they cannot take your vehicle if it is displaying a disabled badge, which mine is. Hide your car, lock your doors and ignore them.

Thank you. I will send an email and see what happens.

I could only find one on their website. Trouble is it is not the letting agent, it is their referencing company who are being awkward. I can usually chat up a letting agent for all sorts, but when it comes to an anonymous third party it won't work. They are of the jobsworth variety and have no flexibility.

It's Northampton County Court. I am going to lose the bungalow I want if they don't hurry up! I don't know why they want it when it is already marked on my credit file as paid anyway. Thanks anyway, but what should I do if it doesn't start moving in another week?

A letting agent says I must have a certificate of satisfaction even though the CCJ is marked as satisfied on my file. I wrote to the court with a cheque two weeks ago but I have heard nothing and they haven't even cashed the cheque. I tried phoning, but all I got were recorded message options telling to write in with a cheque! Is two weeks a long time to wait or is it normal? I really want to get on.

I know this is a really old thread, but I am in a similar position to Nick. My ccj was actually issued by Northampton County Court and it is marked on my credit file as "satisfied". However, the letting agents' referencing firm are insisting I get a certificate as well. I have written with details and £15 and looking at the dates am wondering if it has gone up now, and the letter went off last Monday. Does anyone know how long it is likely to take?

and do I need one? The CCJ is showing as satisfied CCJ on my credit file, so do I need a certificate of satisfaction as well? It is for a tenancy for a rented house and they are saying I need one even though it is showing as satisfied. Can I apply for a certificate online, or do I have to write in? Thanks for replies.

Very useful information and I wish I had had it a year ago. I think I will be better off renting privately and using the money, though that isn't nearly as much as it should be now. It has got to the stage where when anything goes wrong with the house, I get peed off because I can't afford to fix it. If renting the landlord will have to fix it.

Champix tablets worked for me, though I have known people who have become ill taking them and had to stop. They are available on prescription. You take them for three months and during that time you carry on smoking, but after a couple of weeks I no longer wanted a cigarette. Had my last one on Jubilee Day, after smoking for nearly 50 years.

Thank you so much. I just feel now that at my age I don't need the hassle. I have to move at least an hour away in order to rent, because I have two giant breed dogs and you can't rent a tent with a dog round here! So I feel that it is a fresh start and I just want to get on. Everyone is working hard to get the contracts exchanged this week so that I won't have to go to court. I feel drained and exhausted and the doctor says I have high blood pressure when I have always had low. Trying to keep all this from my son before he moved out was a strain in itself, but I didn't want him to worry and at least he is settled now.

I do now yes. I feel that at my age I should not be scrimping along on a state pension while I am sitting on a lot of money, and I no longer like the area where I am living. I just feel that if I had not been given so much bs from incompetents, I would not have had to drop such a lot off the price.

I notice this thread was started about three years ago but I still want to say that everybody threatens to send round their doorstep collection agent, but they never ever turn up. I had endless emails from someone telling me this was my "final warning" (at least two final warnings a week) and they would send someone round but they never have. They think everyone is embarrassed about the neighbours and will do anything to prevent someone coming round. Perhaps it usually works and that is why they keep doing it.

This is a long story, but I wanted to tell it in case anyone else finds themselves relying on so-called experts. I got behind with the mortgage owing to health problems and back in May, having arrears of some £1,500, my lender, GE Money, wrote suggesting that I apply for the mortgage rescue scheme. I had never heard of it, but I rang the lender and asked them to notify the council as a fast track. The next day a letter arrived from the council giving an appointment. This was the sole bit that was fast track. I visited the housing officer person at the council offices and the man explained the scheme to me, which I thought would be a good idea. He told me that it was unlikely a judge would order a repossession with only £1500 arrears and that the council could do nothing until a repossession was sought. He also said I should ask my lender to provide a letter confirming that they had tried every other option. So I wrote and asked them for such a letter and got no reply. I wrote again a couple of months later, which letter was also ignored. I later learned that the person dealing with it had left and nobody had bothered. I also believed that the arrears needed to be more, that a repossession needed to be sought. GE stopped writing when I missed payments, as they had previously done. Eventually the repossession proceedings were applied for, I passed the information on to the council who said I should have applied to them before (I did, back in May) and why wasn't I on the housing register. Since I have a fair bit of equity in the house, I saw no reason to be on the housing register but the council man said I had to be in order to apply for the scheme. He also told me I would only get 90% of the outstanding mortgage, not 90% of the value. Both these claims are false. He then contacted GE Money and wrote to me stating that they would adjourn the proceedings provided I got the form of authority back to him. I took it back the same day, but the hearing went ahead anyway and they acquired a possession order. The council man said he would need to do a home visit, I gave him one day when I definitely could not be here, and that is the day he chose to make the appointment. I phoned to cancel it, asked for him to ring back. Instead I got a letter asking me to phone him at a specific date and time. I did and he was not there. I did not like this man, neither did I trust that he knew what he was doing and decided to sell the house and rent privately. I sent GE money all the details and they agreed to wait until the house was sold and said I could pay what I could. Then they went for an eviction order. I have had to drop £30,000 off the price of the house, it is sold to a first time buyer, and we are awaiting one search in order to exchange contracts before the eviction date, but GE money will not delay even though they have confirmation from my Solicitor. They want confirmation of exchange and a completion date. Since my disabled son has moved into supported housing I have been able to cut down on a lot of expense, and can just about afford the repayments now, though not the arrears. But since the house is sold anyway they will get these very soon. I phoned to suggest this proposal last week and was met with a very ignorant and rude young oik who refused to listen, and told me they would only accept exchange of contracts or the full arrears of £6,000. I have complained about him and my complaint has been upheld by GE Money. Now it seems that if contracts are not exchanged very soon, I am going to have to go to court and ask for a stay of execution. Also I yesterday received a letter from GE Money informing me that they are sending a field agent to advise me on paying off my arrears. A little late in the day, I think. Sorry for the long rant, but just wanted everyone to know how easy it is to trust that people are doing what they say, and end up in a mess. I am a 65 year old widow with a pension. Thank you for reading.