I have received a letter today Dated the 10th of march. Claiming that I have "failed to make repayments as ordered by county court judgement" and stating that i am now " in arrears with the order in the sum of £***.**" I have been given instructions to make payment immediately to bring the CCJ order up to date and prevent further enforcement action being taken against me. they have given me this web URL www dot bryancartersolicitors dot co dot uk and this phone number 08458396157 Apparently their client has instructed for them to take further enforcement action if i do not pay the arrears or contact them within 7 days . They have then listed what this enforcement action may include; Warrant of control, Attachment of earnings, Charging Order, Order to Attend court for questioning. Their client is apparently Lowell financial limited The brand/ product is Vodafone I can provide the account number if needed and the claim number also. They have also given me a reference number. Any advice would be greatly appreciated as I'm very naive with this sort of thing and want to get as clued up as possible before throwing the book back at them so to speak. What should be my first actions and who should I contact as this is the first I have heard that i owe anybody any money and have read some reviews on these people and none of it has been good? Thank you in advance. Al

Hello! I've started the petition "Rt Hon David Cameron MP: Rectify a major injustice" and need your help to get it off the ground. Will you take 30 seconds to sign it right now? Here's the link: http://www.change.org/p/rt-hon-david-cameron-mp-rectify-a-major-injustice Here's why it's important: In 2009 I made a complaint about the solicitor engaged to handle my late father’s estate. The solicitor quoted 30 hours to do the work but eventually charged the estate 131.9 hours to do the work. Should the public be ripped off by those in a position of trust who are supposed to act in our best interests? I made a complaint to the solicitor and he declined to respond to my complaint because I was only a beneficiary of the estate and not his firm’s client. My complaint was escalated to the Law Society after those acting on its behalf assured me that I would not be liable for any costs. The complaint has ended up costing me over £108k most of which has gone to the solicitor I complained about. My wife and I nearly lost our house and were almost made homeless because of the ruthless way in which this solicitor sought to enforce the cost order he obtained against me. My story was covered on BBC North West tonight on 24 March 2014 and again on BBC Rip of Britain in Series 6 Episode 18 on 8 October 2014. The matter was brought to the Government’s attention at Justice Questions on 12 November 2013 and again at Prime Minister’s Questions on 9 April 2014 by my local MP Mr Simon Danczuk. My MP described the solicitor as “The Solicitor from Hell” and the SRA described his behaviour as “Morally Reprehensible”. Clearly the system for regulating solicitors is not fit for purpose and the Legal Profession is unwilling or unable to deal with such corrupt and fraudulent practices. How can a profession whose members are supposed to be trusted to the ends of the earth act with such a complete lack of integrity? This matter has been taken up with the Prime Minister who promised that his Justice Minister would look into the remedies available to me. The Minister says the Law Society is responsible yet solicitors acting for it say I have no claim against it. Clearly in UK law I do not have any remedy to reclaim the losses suffered from making such a complaint. I call on the Prime Minister and his Government to act with integrity in this matter and rectify the injustice which I have suffered. It cannot be fair and reasonable that someone making a genuine complaint must bear such a heavy cost for investigating it. You can sign my petition on the link above. Please copy my e-mail to those who you think might support it. Thanks! Paul Cowdrey

Hi all, I have been a member of my local DW Sports gym for around 2 years. I cancelled my DD with my last payment being 3rd Nov without letting the gym know. I did not attend my gym after September due to a knee problem that i was/am struggling with. Yesterday I received my first correspondence from the gym through "Major Law" in which it claims that they have prepared a county court claim and is ready to be issued against me. They also claim to have contacted me "previous correspondence sent to me by ARC" which i have not had one single letter. I find it pretty disgusting that I've been delivered this bill for £164.64 after being a loyal customer for 2 years and had no prior warning before getting this threat. Debt Balance £83 - I dont understand because it is more than my monthly membership cost x2 Court fee £25 - ?? Solicitors Costs £50 - ?? Annual Interest £6.64 ?? -------------------- Total £164.64 This is downright robbery. I am shocked and appalled that they play these moves. what can i do??? I've had a little look round the forum at similar cases but I've not come across one where the victim has been registered at the gym for a long time and cancelled the dd without notice. I have seen that people have sent letters informing DW of their intention to leave which DW have never claimed to receive. Please help me guys, i really dont want to pay £160 for DW dont deserve it. The gym i attended has got gradually worse and worse with over subscription, poor maintenance and moody staff. Thanks

Hi guys, new to this but tried reading as much as possible on other threads to get an idea of what to do but my situation is slightly different so hopefully someone can help. Went into DW Milton Keynes back in August last year to cancel my membership. Spoke to just a young girl working behind the front desk who let me know what i already knew.. . its fine I've made a note of you giving your notice and 1 months payment will have to be taken still. AT NO POINT DID I SEND A LETTER OR RECEIVE ANY WRITTEN CONFIRMATION. Money was taken in September which was fine ...but it was also taken in October. I wasn't in a position to visit the gym at the time as i was in sheffield - tried calling a number of times to query but either was left on hold or the person i needed to speak to wasnt about to take my call. I decided to just call my bank and get them to cancel the direct debit so nothing was taken in November and they also got back for me the money from October. STILL NO WRITTEN EVIDENCE OF ANY KIND. I received emails over the coming weeks from DW saying they were unsuccesful taking direct debit from my account. I applied to these emails explaining my situation but heard nothing back. Then in December i received a letter from ARC Europe stating they were trying to take £94.00 on behalf of DW. Maybe foolishly ignored this letter but now it has been passed onto Major Law who are looking for £94 plus £25 court fee plus £50 solicitors costs and £7.52 annual interest. saying i have 14 days to pay or they MAY issue the claim. I feel foolish cus i signed no cancellation form when i went in or sent a letter to DW all i have is 2/3 unresponded to emails from the time they tried taking my direct debit again unsuccessfully. Any help would be greatly appreciated.

Hello All, Name of Claimant: Capquest Investments Limited Date of issue – 03 February 2015 Acknowledge By – 21 February Defence – 07 March - yes file by 4pm (Are my dates correct?)^^ What is the claim for – the reason they have issued the claim? The claim is for the sum of £8600 in respect of monies owing by the defendant on a credit agreement held by the defendant with Lloyds Banking Group under account xxxx Upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between Lloyd Banking Group and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter. Contact drydensfairfax solicitors What is the value of the claim? £9100 including costs Is the claim for a current account (overdraft ) or credit/loan account or mobile phone account? Overdraft When did you enter into the original agreement before or after 2007? Before 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes 23/10/2013 Did you receive a Default Notice from the original creditor? 20 November 2008 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial Difficulty What was the date of your last payment? October 2008 Was there a dispute with the original creditor that remains unresolved? No other than excessive overdraft charges Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I sent a CPR31.14 request to DrydenFairfax on 11 February 2015 Recorded Delivery I have disputed the claim and logged my intention on the Court Website 11-02-15 I had an Overdraft facility with Lloyds bank in 2006. Due to changes in my circumstances my borrowing began to spiral and the charges compounded the problem until it became unmanageable. I changed banking providers in order to get back on my feet. Although a number of DCA's sent letters and calls I always asked for CCA's which they could never seem to provide and they would disappear. However I have now been contacted by Drydenfairfax 16 January 2015 and a Summons followed which I received 06 February 2015. I do feel the charges were excessive and that is why I elected to defend the claim. I would just like some advice as what my next steps should be.

I'm having EXACTLY the same issues with Homeground Management Ltd and JB Leitch solicitors. They have been harassing and bullying me for over a year now. I purchased an apartment built by [removed] in 2007. Ground rent was paid directly to the builder initially. Then (surprise, surprise) the builder went bankrupt and phoenixes the same day as a new company (Elan Homes) collecting the ground rents. My cheque had crossed in the post and been cashed by the old (bankrupt) company. Elan Homes chased me, I explained what had happened yet [removed] continuously failed to update their records. Each year I paid the ground rent and wrote on the back of the cheque the dates I was paying for. Then, Homeground Management Ltd bought the freehold. They were also passed the (wrong) details of my debt so yet again it was carried forward... Yawn. In addition to that error which I've tried to address with Homeground and [removed] I also failed to receive a demand/invoice for 2013 and 2014 I noticed this in January 2014 and wrote to home ground by post and email. The email received an automated reply saying I'd get a response in 3-5 working days... I'm still waiting! LOL When JB Leitch got involved in March with aggressive letters and ridiculous charges for late payment I explained the situation. [removed] said she'd address with her client but it wasn't until June that I received paperwork. The payment was promptly sent upon receipt. My understanding after taking legal advice is this: Ground Rent is only payable if you receive a valid demand as per S166 of CALRA 2002 if you dont receive it then THE GROUND RENT IS NOT DUE AND NEITHER IS ANY ASSOCIATED LATE CHARGE. (Look it up [removed], I can see you only qualified in August 2013 so perhaps you've not learnt that yet...) The fact that I chased by post and email (and have email server automated replies asking for 3-5 days for a reply) seem to be suffice in the eyes of the law and any county court claim issued that I didn't receive the demands. Homeground Management and [removed] have yet to give a meaningful reply to any correspondence. So far in 18 months I've had one reply simply saying they are not setup for telephone calls and can I send my 12 digit account reference so they he can look into "my arrears". (I did, numerous times over the space of 18 months and heard nothing back). Despite my appeal for common sense in November to JB Leitch it wasn't until the end of January that I was furnished with a reply, STILL wanting £280 of legal costs! I explained I was away working yet within a week JB Leitch was harassing me for a response. Shame they can't be as timely when I write to them! I will of course keep this forum updated with my news, and I hope I've included enough keywords to help other people with similar issues find this forum. Best regards, Chris PS: It tickled me that on [removed] Linkedin profile apparently his current role at Homeground Management Ltd includes " • Respond promptly to customer inquiries. and • Effectively pass customer complaints to complaints handler." PPS: It also made me smile that on [removed] profile page on JB Leitch's website, her quote is from Henry Ford "Whether you think you can or think you can’t, you’re right." Apparently NOT in this case,. Do look up S166 of CALRA 2002; Google is your friend [removed] .

Hi received court claim form from Bryan Carter solicitors dated 20th jan 2015. Only other contact I have had off Bryan Carter solicitors is text messages which say the following I have ignored these as there was no name to it it was relating to ie me my husband etc. Text message reads Please call Bryan Carter solicitors llp on 0203 xxxxxxx quoting ref 1xxxxxxx further info may be obtained at w.byrancartersolicitors.Co The court documents read This claim is for 938.78 the amount due under agreement between the original creditor and the defendant to provide finance and / or services and / or goods This debt was assigned/ purchased by Lowell portfolio ltd on 08/11/2013 and noticed served pursuant to the law of property act 1925 Particulars Re. EE ltd formerly t mobile A/c 7xxxxxxxx The claimant claims 938.36 The claimant also claims statutory interest pursuant to s.69 of the county court act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 75.08 I have looked at noodle and can't find this debt on there. Also I have have tesco mobile for over 5 years so I believe this debt is statue barred but how do I do the defence, what do I put. I haven't told oh as we are only just managing we have two children with special needs and also I suffer with lung disease so the stress of this is making me ill. The texts are now coming through every 2 to 4 hours Can someone help me please

A few years ago DG Solicitors took me to court and got a CCJ against me and also got a charging order against the house. In October '14 I cleared the debt. DG sent me a Notice of Satisfaction. Do I now have to do something, or will DG Sols update the court / Land Registry? A second problem is that the Notice of Satisfaction is incomplete. A sentence says "We confirm final payment of the above account was received on ." but has the date missing. I have asked DG to correct this, but I haven't received a new notice yet. So, if I have to do something for the court/land registry, will this certificate be acceptable? The CCJ still appears on my Noddle report, though the bank account the debt was associated with has dropped off. Thanks, Sue

Can those who are familiar with legally binding documents please look over this agreement? I am meant to sign by 23rd Jan. I am uncomfortable with the whole issue, but even more with the agreement as it appears to have commas in which I always understood could lead to ambiguity. I have also included previous correspondence on the issue. Would appreciate advice, many thanks in advance.

An interesting story that featured on SCOOP today has caught my attention. The link to the story is below and the article says the following: Council tax dodgers in Wyre could be targeted by a team of specialist lawyers under plans drawn up by town hall bosses. Law firm Greenhalgh Keer has been lined up for a six-month pilot scheme that could see residents who refuse to pay up pursued more aggressively. A report published by Wyre Council’s resources portfolio holder Coun Alan Vincent (pictured), who will make a decision on the plans next week, said chasing up the most persistent offenders is too “time-consuming and costly”. He added: “Unfortunately, the council does not have the in-house resources for anything more than the occasional case.” Wigan-based Greenhalgh, which currently has arrangements with 35 local authorities, specialises in chasing up council tax and business rate debts. The trial scheme, which would cost the council nothing, will “test the water” with a dozen pre-selected cases. http://www.fleetwoodtoday.co.uk/news/law-firm-set-to-chase-council-tax-1-7055615

I have received a County court claim for this morning from Arrow Global via Shoosmiths Solicitors for an old Capital One Credit Card Debt I allegedly owe. My last Capital One credit card expired in August 2008 and I hadn't used it for a while then. This debt has been passed around a number of DCA's over the years, upto about 3 year s ago. And then I heard nothing else until this morning. I have sent a number of CCA requests over the years and none have complied, they have just passed it on. From what I remember most of the debt was fees and interest etc. Can I use a no paperwork defence or should I write to Shoosmiths solicitors and request a CCA again.

Hi Everyone, I 'am looking for some advice if anyone can help i have been in mortgage arrears for a considerable time and on a number of occasions which have resulted in HBOS seeking possession through the courts. In the latest court case the HALIFAX were successful in gaining an eviction. However with the Bailiffs arriving in the house my sister paid a substantial payment in agreement with the HALIFAX to avoid an eviction. I have recently received a letter from the Halifax stating that the solicitors Charges will be £2340.00 which has been debited to my mortgage account already( no breakdown at all) I Feel this is an excessive fee for a 10 minute court hearing and associated administrative paperwork. It cost me £40.00 to request a hearing so the fee of £2340.00 in solicitors charges seems excessive . Has any one else had experience of solicitors charges? and any advice on how to find out what other charges Halifax have made on my account as i do not have any statements from the last few years. Now far back can i request information on charges the Halifax have made on my mortgage account. thanks

Just before Christmas I received a letter from the County Court in Northampton that Cabot DCA had decided to take a CCJ against me without warning. I have never heard of Cabot until then and the CC company had not informed me that they had sold my debt over to them? So instead of taking the advice of the CAB I who just want you to just cave in and take it. I decided to fight it with my very limited knowledge. Below is the letter I got back for Cabot Solicitors. My Defence was That I had not signed a contract with Cabot (which i know id weak) and that I had not had any letters from the CC company and Cabot telling me that the debt is now with them, which maybe my best hope of defence? To me it looks like they don't want me to defend myself and want me to cave in? Please can you give me some advice? Thanks

Please can you assist with pulling together a 'road map' of the following situation; Xmas Eve had a nasty surprise of receiving a Claim Form from Cabot Financial for an old credit card debt. Due to financial downturn unable to afford the repayments in March/April 2006. Defaulted and made peppercorn payments. Date of Claim Form 22 December 2014 Name of the Claimant : Cabot Financial (UK) Limited What is the claim for The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Lloyds Bank dated on or about Sep 01 2003 and assigned to the Claimant on Jun 24 2014 in the sum of £13,303 What is the value of the claim: TOTAL £13,812 (Includes Court Fee £410 and Sols Costs £100) Is the claim for a current or credit/loan account or mobile phone account: credit card. When did you enter into the original agreement before or after 2007: Copy of the agreement/application shows date of 2 September 2003 for £8000 limit. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser; Cabot Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? Don't know have not got a copy on file. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO Why did you cease payments? The standing order to Apex, who were dealing with the case at that time, lapsed and did not notice . What was the date of your last payment? Last peppercorn payment was 19 Feb 2013 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes Citizens Advice Bureau helped us write letters and make token/peppercorn payments to all our creditors did not use a Debt Management Company.

Hi, really hope you can help, background first - I had a loan account with Halifax until I met my now husband, he joined it and became a joint account, Halifax gave us a very large overdraft of £4,600 (we were both earning well), and we had a credit card each, plus a loan through RBS. However Easter 2011 Halifax withdrew our overdraft with just a letter, it had been okayed in the February when they looked at it, and without out warning it was gone, it left us with a £4,600 debt overnight, we were getting married in the October, so we decided to remove all of our money from the bank and move to Nationwide, and have not had credit from anywhere since, by choice. They tried several credit companies to get the money out of us, and since then at some point i did the CCA on them, cant recall when. Heard nothing from them about the overdraft account, or the 2 credit cards, get an annual statement for the loan, and a statement for another account i had with them. out of the blue I received a claim form from Cabot and admit i ignored it, as I had all other letters, I have never had a letter from Cabot saying they bought the debt, just this claim form, have had another letter come, which I cant find now! saying it went against me in court and I have to pay £85 by 05/01 or else, they say they can enforce me, I assume send bailiffs round, which i want to avoid, we dont have anything to that value. first what do i do, and 2nd i have noticed the debt, doesnt say what its for, just an amount, if its my credit cards I didnt think it was this high, if its the overdraft then its a joint account why arent they going after my hubby as well. can anyone help me please, i have had my head in the sand a bit, my hubby has aspergers so is unable to help me, and feeling a bit overwhelmed by it all

Hi Everyone, Hope someone can help me as I am not entirely sure what to do. First, a bit of background information. My mum passed away from cancer in April 2013 and as she knew she was dying she had gone and paid out for the entire funeral and made all the arrangements so as we didn't have to worry about it. However, after the funeral had been and gone I got a couple of calls from the funeral directors - apparently at the funeral the director had paid out £200 of his own money for travel costs to the musician who played at the funeral. I had then referred him to the executors of the will as in my opinion the funeral was paid for in its entirity so the fact that he had paid out £200 of his own money was of his own free will. I have received a letter from Bell Park Kerridge Solicitors asking for the £200 and if I don't pay within 7 days they will issue court proceedings without any further reference. Surely I can't be liable for this £200 debt - I have never signed any sort of credit agreement for it and I didn't ask him to pay the £200 (in fact didn't even know about til afterwards) Any advice would be greatly appreciated Thankyou Blakey

Hi, i am new here so please bear with me, i received 2 PCN's from UKPC back in April / May of this year at the time i was now aware of i received several letters from UKPC & then i found out that my brother in law who lives in Spain was staying with us & he used my car at the weekend while he was here & he visited a friend twice in a private apartment block where he must have received the tickets but did not give them to me at the time. I ignored UKPC's letters as at first i thought it was a mistake until we researched the dates & my wife asked her brother who admitted getting the tickets but he said it was private land where he was a visitor & that they were not enforceable. The fines are now in the hands of a company called "SCS" Small Claims Solicitors & i have posted their letter in this post, they have given me a duplicate ticket on one of the PCN's adding an extra £160 to the bill, i have not contacted UKPC or SCS up until now but SCS are threatening court action & bailiffs & i need some guidance on what i should do.

Help please! I have been receiving numerous letters from One Call in the name of Judgement Order Bailiff. Then I just received a "Letter before Court Action" citing Civil procedure Rules and the Practice Direction for Pre Action Conduct. That was about a dispute related of so-called "outstanding account", which I do not recognize and they tried to charge on my credit card (but I successfully got it charged back). The OCL Solicitors apparently is on the Law Society list (at least found it on their website). Should I be worried? My main concern will they really take count action against me, which I have no time to deal with. If count action is really imminent, I may rather settle it. I refuse to pay and ignore them on principle. Any advice will be greatly appreciated. Thanks, R

Hi all....AS title says is it possible for solicitors to find out what assets you have,do searches in your name etc prior to charging order,OFS etc...cheers Madasfish

Admin if this is in the wrong forum please accept my apologies and move to the correct forum. Does anyone know anything about a company called : OCL Solicitors who are stating they act on behalf of One Call Insurance ? Are they actually a real solicitors of is this another of 'those' letters which pretend to have a solicitors acting on behalf of Insurance companies ? For reference I do not have insurance with One call but have received a letter stating 'Letter before court action' Thanks for any info.

I received a penalty notice from APCOA back in July (2014). The offence was shown as '05-Parked over two bays'. (My car is the Kia Soul in the photo) Having parked in they spot and in the same way for 12 months and never received a ticket, I was surprised to see one on my screen one evening. I did write to APCOA and attached photos to show that the second 'bay' that they referred to was not a bay, but an old bay that now housed the CCTV camera pole and bollards, and therefore the penalty was invalid. They responded and said they upheld the penalty charge. I called APCOA and spoke to someone, who located my letter and actually agreed that I shouldn't have been fined as it wasn't a parking space. I also looked around online and saw that a lot of other people were having issues with APCOA and their 'fines'. I ignored their letters for more money, and was disgusted when they increased the fee from £60 to £155 because I hadn't paid them. Their letters stopped towards the end of August. This morning however I received a letter from a company called SCS (Small Claims Solicitors) based in Martin lane, London, stating that if I don't pay then their client will consider issuing legal proceedings. Also on the letter, it now states that I had two tickets issued, consecutive reference numbers, both on the same day, for the same car, in the same car park for the same offence - I must be good to be able to do this! They now claim I owe them £310!!! Has anyone else ever encountered SCS before, and should I be concerned? The letter threatens CCJ and attachment of earnings - I didn't think that a parking fine can result in such things? Any advice or assistance would be really appreciated, Thanks - Kaygee

Hi i had a bank account with a £250 overdraft , i cancelled a standing order but the bank paid it which sent me over the limit the the following month i got £39 charges which took me over the limit again ( after they paid the standing order i contacted them and they said i didnt give enough time to cancel the payment i did it online . so after they made the payment i stopped using the account as i was mad with the charges as they shouldnt have let the payment out . Anyway this was in 2008 i have had different letters from different companys i sent letters to lloyds requesting unfair charges back but was fobbed off so when i got a letter from these debt agencys i sent them a request for a signed credit agreement then they would close account and then months later different company same again . So today i have received a letter from bryan carter solicitors about county court proceedings the balance is £374.72 , with charges being just over £300 so most of the balance is made up of charges on the account , from one of the companys they said lloyds do not supply agreements with these type of accounts and were unable to supply a copy of the overdraft facility letter i requested . the last payment out of the account the 24th nov 2008 everything after was charges ( how does the 6 years status barred work ? ) as its nearly 6 years to the last time something come out of the account 14th nov 2008 was the last time something paid in . sorry for the long post many thanks for any help .

Hi, please help. Marlin/Mortimer Solicitors have issued a county court claim against me for a overdraft with Yorkshire Bank at least 8 years old. I`m not sure if the amounts are correct its that old and don`t know how to fight it. HELP NEEDED PLEASE

hi, I need some help as I have received a claim form from Bryan carter solicitors whose acting on behalf of Lowell portfolio I ltd. I believe its for 02 account which I didn't pay. I had a dispute with them and terminated the contract. I left it at that. then all of sudden iv received the claim form from county court business centre. date issue was 17th of October. any help will be appreciated many thanks.

Good Evening I am wondering if you can help me you as people helped me lots throughout a suspended repossession For a while I have been corresponding with Restons Solicitors who are acting on behalf of Cabot Financial (uk) Ltd, who I believe have bought a debt from British Credit Trust. The debt was for a hire purchase vehicle which was returned to them before the half way point of the agreement when I fell into difficulties in 2008/2009. This is when the agreement was with British Credit Trust. At that point British Credit Trust obtained a CCJ and the whole sum was ordered to be paid forthwith. The sum was £11553. As I couldn't pay the sum and it was the last thing on my mind they obtained a final charging order which is on my property now. The property is in joint names and only my name on the debt. This is where the debt has been left, as a charging order. There isn't enough in the property to clear the 1st and 2nd Mortgage the current shortfall to clear them without any charges is approx £15,000 (both with suspended repossession orders) however always stuck to the agreement. When Reston first got in touch all the correspondence stated Cabot Finanical and nothing else, I wrote to them with a SAR and asked them to clarify which debt they were talking about. They refused to talk to me as i couldn't prove who I was and they returned the monies and wanted a signatures on paper. As I didn't know what the debt was for at this time I was very hesitant on providing this information, all I wanted to know is where the debt had come from. A day ago I received the court forms for the CCJ from Restons and from that I have established it is the debt from British Credit trust which is a charging order on the property. So.... my question is ...... now what the debt already had a CCJ and attached to my property and they are going for a second one? I cannot afford any real payments towards this debt as I have arrears on mortgage second mortgage, council tax (however payment plans in place for all and working well). If I could sell my property to clear all debts etc I would but I have been advised against it as my mortgage payment even with the arrears payment is really small compared to a rental agreement. I have a feeling Restons doesn't know about this history.... what do I do? Help! ps. thank you in advance.