Watch Out - Charging Order Rules May Be Changing !!!

[angel_1]

hiya all

 

we have 225 signatures, but what has surprised me this week there have been over 2000 views on this thread alone so far, are we all hoping the next person will go and sign the petition? or those who are not in debt thus cannot see our dilema?

 

human nature i guess ive learned so far in my debt journey is that if it dont affect them it dont matter,

 

come on guys give us a bit of support - one day i will be debt free but the lessons im learning along the route is very humbling and my compassion has grown no end, as i have seen other people in far more serious situations than myself.

 

However, having faced repossession of my house this year, and still being monitored by my lovely mortgage company, at least i avoided the courts with me being pro active and now have to deal with unsecured creditors only

 

my debts are my responsiblity i know before anyone shouts at me,lol

 

peoples circumstances change and loss of job,illness, other factors come into and those who have not the experience - count yourselves very lucky - i envy you but at the same time , looking back on this year, im glad ive learnt what ive learnt from my journey, i believe its made me a stronger and more compassionate person towards other human beings

 

have a good day tomorrow the sun was shining today, lets be kind to someone this week, nothing much to ask hey?

 

ciao laters maz

[Yeats]

Signed the petition a couple of days back...

won't buy the Sun though!

Can't believe the apathy of Forum users, only 225 signatures and 2000 viewers, come on ye lazy *&%£$

yeats

[angel_1]

Signed the petition a couple of days back...

won't buy the Sun though!

Can't believe the apathy of Forum users, only 225 signatures and 2000 viewers, come on ye lazy *&%£$

yeats

 

 

Yeats

 

i admire your gumption lol

 

i was trying to be diplomatic, and encouraging,,,, and cool,,,,,hahaha:cool:

but yeah thanks for the nod

 

ta for signing too, much appreciated

pls spread the word around and give out the petition address to your friends, family, and everyone you think would appreciate also knowing about it,

 

a lot of us have contacted our MP;s about this and i do know a couple of people have got contacts with a couple of the national papers, maybe they may run a cover story for us and thus we can get the petition signed up even more

 

 

ciao laters maz;)

[citizenB]

Signed the petition a couple of days back...

won't buy the Sun though!

Can't believe the apathy of Forum users, only 225 signatures and 2000 viewers, come on ye lazy *&%£$

yeats

 

 

I think that each time someone links to this thread they are clocked up as one view. So I could say visit 10 times but I am only one person IYKWIM. It doesnt mean that there have been 2000 individuals visit the thread.

[angel_1]

I think that each time someone links to this thread they are clocked up as one view. So I could say visit 10 times but I am only one person IYKWIM. It doesnt mean that there have been 2000 individuals visit the thread.

 

 

yeahhhhhhhh of course, penny just dropped thanks citizen, anyway lets hope to get more signatures,

 

my brain is a little slow this evening, apologies,

 

ciao laters maz:cool:

[loopyjuice]

Signed.

 

Some people have mentioned that there are good parts to this new act, can someon explain them to me?

[excel1]

Regulated Debt management plans, debt relief orders are some good points.

[propjoe]

just a thought but at no point did i sign a credit agreement which said "your home maybe at risk if you do not keep up repayments on it "

should all credit come with that warning from now on if this regulation goes through ?

[babybear39]

Excellent Point!!!!

[citizenB]

just a thought but at no point did i sign a credit agreement which said "your home maybe at risk if you do not keep up repayments on it "

should all credit come with that warning from now on if this regulation goes through ?

 

Excellent Point!!!!

 

Propjoe, FunkyFox makes exactly that point in his letter in the last two bullet points. If you able, please email or post a copy of this letter to your MP

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/160126-watch-out-charging-order-4.html#post1726603

[propjoe]

I posted this in my original petition thread, thought I'd double up here.

 

Now up to 144. Nice work. Big thanks to everyone who promoted this on MSE it seems to have made a big difference. Thanks

 

If you do feel compelled to write or email your MP feel free to use the attached letter which I sent today.

 

You can find your MP's details here UK Parliament - Find Your MP if you email remember to include your name and address.

 

Feel free to chop, change and amend as required. Sorry for any spelling or typos, I'm rubbish at proof reading.

 

 

sorry i didn't read this before posting but this letter will be winging its way by hand tommorow morning to my mps local office

nice one !

[hawk1979]

Thats a great point i missed that too

[hawk1979]

Moorecroft are even saying in a letter i received today that there intend to Apply for a charging order on any property you may own or are purchasing under a mortgage.

[babybear39]

Moorecroft are even saying in a letter i received today that there intend to Apply for a charging order on any property you may own or are purchasing under a mortgage.

 

They're (NOT) clever then, 'cos they have to have a CCJ first to go for a charging order

[hawk1979]

Even though i dont own the property lol let them try haha. There shouldnt be chasing me as this account is in dispute and NDR sold it when i wrote to them asking for the copy of a signed credit agreement. Looks like there all passing it on, not to worry there cant do a single thing or i will take them to court

[sequenci]

just a thought but at no point did i sign a credit agreement which said "your home maybe at risk if you do not keep up repayments on it "

should all credit come with that warning from now on if this regulation goes through ?

 

You need to consider that the charging order has little to do with the original credit agreement in the sense that it is a method of enforcing a money judgment. The original agreement would have been terminated due to the debtor not being able to meet the terms of the agreement that they agreed to, this means that the loan terms are no longer in place and the amount has become a sum due in one instalment.

 

I would also like to add that currently the vast majority of judges are granted forthwith judgments rather than instalments anyway so these changes are not going to cause a vast amount of difference anyway.

 

my 2c.

[tosh1]

we currently have around 233 signed people. lets not stop now and try and get as many as we can. email it to all your freinds.

 

 

Petition to: Control the use of Charging Orders as a means by which lenders are routinely securing unsecured debts against peoples property. | Number10.gov.uk

[tosh1]

Hi Everyone

 

It's currently stands at 233.

 

I ams sure we can get more.

 

Petition to: Control the use of Charging Orders as a means by which lenders are routinely securing unsecured debts against peoples property. | Number10.gov.uk

[tosh1]

Got A Reply From My Mp This Morning Who Has Passed My Query To The Rt Hon Cariline Flint Mp Who Is The Minister For Housing.

[stripper]

Petition signed and letter to MP emailed.

[Pathway]

Hi Tosh

 

We will have to wait and see - but dont see how Minister for Housing is connected with legislation for charging orders - save that the charge is on a property!?

[tosh1]

currently stands at 242.

[hawk1979]

Received a telephone call today from a Counceler i emailed about the charging order. He was not aware of this legislation and said he would look into it.

[saviour1263]

ive got a charging order on my house , due to a car i bought in approx sept/oct 2002 and sent back repossesed in may 2003 ,i had a nervous breakdown after my wife died in aug 2002 , i was living in a council house at the time and i wasnt told that if i bought a house the debt could be transfered to a secured loan , i found out in dec 2006 ,first they put a ccj against my name then a charging order so it means if i sell the house they get first dibs , the car showroom first wanted 50.00 a month even with the charge on the house , i think he is waiting for either house to be repossesed or remorgage .he recently said that when the ccj runs out he will get it renewed i wonder if it is possible to fight it then coz i didnt have chance too when they first did it in the courts i had a week to prepare as the papers didnt turn up till a week before ,i sent a letter off but it was ignored and sent to the car showroom ,the letter included the bits where i shouldnt have been granted credit as i was unemployed and my kids being disabled etc and my nervous breakdown ,it was so unfair as the letter was for the courts not the car showroom.

but now i am worried as so far all i have read is my house could go if the car showroom press for it.

[tosh1]

i am sure someone on this site could assist you.

 

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