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Found 24 results

  1. We have a de-linked unsecured loan (part of together mortgage, but we moved mortgage) from 2006 for £29k, we have never missed a payment, the past few years we have had agreed, reduced means tested payments NRAM passed it to a solicitor who have managed to issue a CCJ against us after saying we missed six months payments..we didn't. We called the solicitor from the CAB on the morning of the court date (October 2017) and CAB manager explained we hadn't missed any payments. They agreed to stop the court action that day (in an unrecorded phone call!) CAB man
  2. Hi, My daughter aged 26 last week died an unexpected death, her case is with the coroner and it is anticipated that we will be issued with an interim death certificate at the end of this week to be able to start the process of burying her. I have instructed Funeral Directors so that I don't have to do it later on. I spoke to the Coroners office yesterday at they told me that her father (We are long divorced) has requested a copy of the interim death certificate, I cannot even begin to imagine what he wants with this, apart from burying her which is what I am doing, can any shed any ligh
  3. Hi, As the subject says I have a interim charging order from 2009 with Lowell. I have been reading online and it says that after 28 days it would automatically be made full. I checked the land registry last month and its still showing as interim is this normal? My current plan is to do a Subject access request on the 25th May (when GDPR is live) and check that my credit agreement is valid and that the correct process was followed. The debt is an old credit card and I'm also sure there are many charges on there that make up the debt. So I aim to reduce or best case have it removed for
  4. Hi there My husband has received a third party debt order for an overdraft on an account that hasn't been used for 13 years The claimant is I.N.D Limited Defendant is obviously my husband Third party is Santander There is a date for a court hearing on the document but after trying to discover exactly what this all means we are getting even more confused There is talk of the account being frozen and monies taken but this account no longer has any funds in it as far as we are aware. Do they mean that they will force him to inform them of the account he uses now and
  5. Hi, I have received an interim charging order after a judgement or order was given on the 19th January 2015 by the county court business centre. The application will be heard on the 3rd august 2015 at the county court in Kings Lynn. Is it too late for me to defend this? I received the judgement from the Nottingham County Court business centre in January, but as it was not signed by a judge and did not have my dob on the order I gave it no credence. Any advice on my next steps would be appreciated Many thanks.
  6. I was advised by Citizen Advice Bureau to just admit a debt to the court paper. During the advice session they didn’t tell me I should ask for my credit agreement paper related to the debt with the OC and the authority of the DCA regarding to this debt (I did mention I own a debt to a company but I never heard of this DCA). I was told that there would be a hearing and the judge generally would allow me to pay monthly against my income. But the truth was that, the case just went through to the court clerk without a hearing and as a result, a CCJ against me straight away. I was ordered
  7. Going through the process of remortgaging my old house, and a question has come up from the conveyancers about a charging order. The wording from the land registry is: "Equitable charge created by an order nisi of the Luton County Court dated 22 July 1996 in favour of American Express Europe Limited." I have a vague memory of once having an American Express card, it obviously must be that though a Companies House search for the company name has it ceasing to exist on the 12th June 1996, probably is the American Express and they just changed their name. Otherwise, I have no more infor
  8. Hi all I had two ccj debts with Aktiv Kapital which have now both passed the 6 year point. Both had interim charging orders on my house. I paid off one of about £3k and had the charging order removed. They very kindly also sent me a receipt to show that the other debt was clear (which it wasn't) I forwarded that to the court and had the other charging order removed. I moved house a year ago and I am still paying £20 a month to Aktiv Kapital. Any thoughts about what they could do if I stop these monthly payments? The CCJ wasn't really settled altho
  9. Hi all, my daughter has received an Interim Charging Order for a £2700 debt incurred by her sister, jointly named on the paperwork. She has no knowledge of this, and also, Lightfoots appear to have obtained this order by using Land Registry search and she has received absolutely no other communication. She has no CCJ's showing on her credit report, but we have found other defaulted loans she knows nothing about. However, TFS isn't one of them. She is paying her mortage on a house with negative equity, having been left in the lurch by her former partner, so the
  10. Hi I would be grateful for advice on this. I sold my house two years ago with a number of interim charging orders on it and purchased a new property. My solicitor advised creditors after the sale. So far, so good. I had a payment plan £32.50 per month in place with one of the creditors HFC - Mortimer Clarke - MCE Portfolio 12 months ago they stopped taking payments and I didn't think anything of it this week they have been in contact asking for an updated income/expenditure statement. When I called them to ask what this was about they were a bit put out t
  11. Hi I've scoured through the previous posts to see if anyone has the same issue as me but didn't find anything thats close to my issue. I'm about to sell my house and have obtained my Title Deeds which have two interim charging orders, one for HSBC (in 2007) which I am aware of the amount and one for HFC (2008) which I have no clue who they are or what the original debt was for. I was made bankrupt in 2010 and added all of my debts to the bankruptcy papers, I believed that this included HSBC and HFC (whoever they were at the time). I have no paper work for either of them or
  12. My husband has received an interim charging order, for a debt which is my husbands, solicitors for the bank of Scotland for approx. 9k, if I go to court to protect my beneficial interest in our joint mortgage, would they (bank of Scotland) then go for bankruptcy against my husband, if the court does not grant the charging order. Im not sure if I would make matters worse if I protected my interest, and just let them put the charge on our joint property. In short I don't think I should have my home sold to pay my husbands debt. any advice would be appreciated.
  13. Can anyone help? I have some large credit card debts on about 5 cards. I have sent a standard letter asking for a copy of the CCA and had replies back but some seem a bit dodgy. I'm no expert sp I joined the forum to see if there is any help here for me. Do I tell them that I dont think they have complied with what I asked for and put the account in dispute and pay the £10 for the SAR? Are they legally entitled to chase me for payments while the account is in dispute? I can post documents if anyone wants to have a look. Cheers
  14. Just as I thought we were getting on top of things notice of an Interim Charging Order arrived followed shortly by a notice from the Land Registry. It appears Mrs Spoon has been struggling (on her own) with nearly £18,000 of store and credit card debt and is now quite unwell. It is only because we have a joint mortgage that I became aware of the tip of the iceberg - now the rest has become clear. There are two CCJs (by default) against her and Restons have secured the interim charging order. I understand that this can only be a restriction as long as I don't agree. We
  15. Restons solicitors acting for Marlin capital recently agreed monthly payments via ccj which have been kept up to date, but now I have just recieved a letter from Restons stating an interim charging order has been obtained and they have sent me a copy of the application. Surely they can`t do this unless payments are missed? I have rang Restons and they say the letter was sent out as matter of course, and agreed no payments have been missed. But now im worried whats going to happen next. Can anyone please advise me what if any action I can take. Thank you
  16. Hi, My question is regarding the following charging order: This was granted following a CCJ against one owner of a jointly owned property. I have not been able to dig out all the documents relating to the hearings for the interim and final charging orders (I am not 100% sure there was a final hearing but it seems fairly likely). To me, it reads like this is in the interim order and that the final order was never registered (I believe this is a separate process?). Could somebody confirm this and what rights it conveys to the creditor - I think this is Form K? What does th
  17. need help asap I have a interim charging order I received through the post which takes place on Monday 13/1/2014
  18. I recently found out that there is an interim lien on my property placed there some three years ago for council tax i do not owe. Anyone know if & how i can get it removed? Thanks
  19. hi could anyone tell me where to post a new thread regarding an interim charge order being made on a county court judgement please.
  20. Hi I am new to this site, could someone direct me as to where I can post a new thread regarding ccj,s and interim charging orders. thank you http://www.consumeractiongroup.co.uk/forum/showthread.php?409508-ccj-s-and-interim-charge-orders
  21. Hi Everyone Please Please Please help! Recap 1) Had beneficial card for over 11 years - never missed a payment! 2) Last summer after 18 months without a job and marriage problems told them i couldnt pay full payments anymore. They accepted nominal payments. 3) 3 or 4 months ago Restons got involved and issued a summons thorugh court. 4) I contacted a 'cheap' solicitor and he wrote Restons a letter but fuc...ed up replying to the court summons. 5) A judgement was made against me and Restons applied for a charging order against my house. 6) My accountant w
  22. Hi all I would be grateful for advice on the following - I share joint ownership of former matrimonial home with ex wife who signed her equity over to me as part of the divorce consent order agreement. Mortgage lender has agreed transfer of title to me but she has to stay on the loan. I have interim charging orders on the property for debts that were in my sole name. They are shown as restrictions against my equity my concern is once I own the title could the restrictions easily become full charging orders? I have remarried and would like to get my new wife
  23. Hi, This is my first post of CAG and would be extremely for any help this forum could provide. Will try to keep this short and to the point as much as possible. Position: 1. I have a property which I am looking to sell which is solely owned by me. It is currently rented out and I now live in New York. 2. I have a large amount of debt (solely in my name) which I built up a number of years ago for which I have not made any payments to in several years. 3. Checked the land registry and it shows I have 5 Interim Charging orders which were registered several years ago, be
  24. Hi, I recently attended the High Court as a defendant, in a civil case concerning a restraining order which was taken out against me nearly a year ago, , I was innocent of the companies claims of intimidation etc. but lost the case as I had no money and had to represent myself as (Litigant in person) was up against a legal team of two solicitors, and a barrister. the outcome was not as bad as I had expected, and several critiscisms of the claimants behaviour were made by the judge, but the restraining order was kept in place for a further six months, and th
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