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cag and charging orders,Egg and MBNA Europes


essemsea
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Hi to everyone ,just wondered if I can get some urgent help and info as I have just sold my house and it will complete in six weeks .

I have 3 charging orders on my house totalling appx £20,000 of which £5000 credit card debt is to MBNA Europe ,handled by Restons solicitors and £10,000 to Egg Bank for a loan and another £5000 credit card debt to Egg Bank both handled by Drydens solicitors .

I am going to send them letters about the credit agreements where they have 12 days to reply . If they do not reply or the agreements are invalid how do I proceed next to stop them taking the money from the point of sale .If they proceed would they have broken the law ?Can I reclaim later ?

The solicitors I guess are not independent of these banks so how do I deal with them as also they have increased my debt by £1000 with their charges.Do I write to them or the Banks ?

This is a bit of a tricky one and any suggestions greatly appreciated plus anyone who has dealt with these banks and solicitors who can tell me of the outcome.

Best regards to you all :cool:

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Hi Essemsea

 

I think it might be helpful if you provide some information on how the charging orders were achieved. Surely there has some form of legal action already, did you contest this?

 

I don't know if you can overturn a judgement after the event even if there is no/unenforceable credit agreement. Can anyone else help here?

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