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Help with eversheds/sainsburys and charging order


mazj28
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Please can someone help I have a court hearing next week to decide if Sainsburys should continue to have a charging order my home for £1500.

I got this credit crad around 5 years ago when I was asked to sign up whilst shopping in sainsburys! i was fine until got into trouble with debts when had my second child and was on maternity money, then could only go back part time to my job, eventually this debt got passed on to debt collection agencies and I arranged to pay sainsburys by standing order I got it down from £5000 to the £1500 but trouble started when i changed banks beginning of the yr and lost the SO details to pay, I rang a couple of times and paid on card asked for SO details and was told they would be sent out I never received them, next thing a couple of mths later I got a letter from court stating that eversheds and sainsburys had judgment against me and I had to pay forthwith.

i couldnt afford this and so wrote many times and emailed Sainsburys to arrange a way to pay in monthly installments, i then got letters from eversheds that sainsburys were happy to accept a payment arrangement but they were applying for charging order and would accept payment once they had the charging order.

I have sent SAR to Sainsburys and Eversheds and also asked for copy of my credit agreement as I cant ever remember signing one just the application form in the Sainsburys store, also PPI was added onto this account and lots of late payment/overlimit charges that I want to claim back, but is it too late now that they have the ccj and charging order and is there anything I can send or take to the court next week to stop it being made??

The last time I heard anything was a few month ago now when eversheds wrote to me and asked for a list of all my creditors so they could write to them and inform them of the charging order, to which I did not reply.

 

Please can someone help??? thanks

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I will move your thread into legal issues.

Have you another thread with more background into this ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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