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    • 1. Range 2-14 days is not “incubation period is 14 days” that you keep banging on about, any more than it’d be accurate to say “incubation period is 2 days”.   Not only do I understand range, median, mode and mean, but distribution (e.g. normal distribution), and standard deviation too ..... having mentioned these previously.   2) I still don’t believe there are 3 authorised labs holding smallpox stocks. Which 3 labs? (You may find that it was always 2 authorised labs, even if it was stock transferred from one to a different one in the USSR, only ever 2 at any one time), but still waiting on you clarifying which 3 so I can see if that is the explanation for your mistaken belief.   3) The smallpox vaccine target didn’t mutate and that was one of the key features in its eradication. It didn’t mutate over centuries. Seems little point in me repeating it again, so this is my last try on that point.
    • This is all I got from Northants.    THIS CLAIM IS FOR THE SUM OF £ xxx. Xx IN RESPECT OF MONIES OWING UNDER AN AGREEMENT WITH THE ACCOUNT NO.xxxxxxxxxx4899 PURSUANT TO THE CONSUMER CREDIT ACT 1974 (CCA). THE DEBT WAS LEGALLY ASSIGNED BY HOIST PORTFOLIO HOLDING LTD (EX BARCLAYS) TO THE CLAIMANT AND NOTICE HAS BEEN SERVED. THE DEFENDANT HAS FAILED TO MAKE CONTRACTUAL PAYMENTS UNDER THE TERMS OF THE AGREEMENT. A DEFAULT NOTICE HAS BEEN SERVED UPON THE DEFENDANT PURSUANT TO S.87(1) CCA. THE CLAIMANT CLAIMS 1. THE SUM OF £ xxxxx. COSTS     My phone was unable to record the call due to Google and android 9 stopping it. I have installed a new recorder for future use.    They also told me that the case had been sent to a different dept to attempt an attachment of earnings order which being self employed won't happen. They are still using the wrong address.    Robway emailed to say my complaint has been forwarded to Barclays Partner Finance and is on hold. I don't hold any hope that BPF will uphold the complaint.    Should a set aside be the next step?  While I wait for the CCA. 
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Charging Order Advice

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I currently have a CCJ from Shoosmiths/Nationwide, it was taken out in December and is 'forthwith', I am making payments through payplan which were rejected by shoosmiths, the debt is about 4800 pounds. I have not heard from the courts or Shoosmiths since December.

 

I think that they will go for a charging order next as Nationwide told me that's what they do before we entered the whole legal process.

 

My house is currently being sold, it is at the stage where a surveyer has been and they will be doing all the land registory checks, there is currently no chatging order but the exchange date may not be until June as we have a tennant in there, we moved to the Netherlands, the mortgage is with the nationwide so they know we have the house.

 

at what stage do they check for the interim charging order, is it at the stage we are at or could it be when it is exchanged and would that stop the sale?

 

If I get notification of a interim charging order is there anyway I can speed the whole process up to get it out of the way with?

 

I don't want to ring Shoosmiths as I gave them a PO box in the Netherlands so don't know if they are thick enough to just believe us and not check we still own the house so don't want to do any thing stupid.

 

If I've posted this in the wrong place let me know and I'll move the thread.

 

Thanks

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Hi there.

 

You could consider making an application to vary the terms of the judgment so that you cna pay by affordable instalments. Whilst you're up-to-date with instalments a creditor shouldn't be able to secure a charging order as you'll be able to challenge the order being made final on the grounds that you're not in default of the new court order.

 

You can make an application for a variation on a form called n245, the fee is £35.

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Hmmm - I think you should contact the land registry to see if there is an interim order. Normally when going for a forthwith judgement the creditor will also apply for one. The Land registry then send out a letter to you advising that this has happened. An interim order should not have any effect on the sale - but I wouldn't hang about if I were you. Once a forthwith judgement is given then the debtor (you) would either cough up the lot or request a redetermination - where it is decided how the debt will be paid. At this hearing the interim charging order is made into a full monty charging order and monthly payments are agreed - a quid pro quo.

 

If there is no interim order then your clear and the proceeds of the sale are all yours!

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That could be one way of delaying it but the problem is that Shoosmiths rejected the offer from Payplan and then the original CCJ told me to pay 400 pounds a month so I appealed and it came back forthwith so I don't see how they would consider affordable installments when it's clear that the judge is on their side and they just want me to fail the payments so they can put a charge on the property, they told me that's what they are doing so I'm resigned to the fact it's going to happen, I just want it not to interput the sale of the house so need to know the stages the land registry is checked at and if I'm in the clear after the initial checks.

 

I wonder how long it might delay them though but I sort of also don't want to remind them incase they've misplaced it or something.

 

Do you know how long the n245 form would take to process and if it's in progress would this stop an interim charge on the house?

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DuffNCustard, thanks, I'll contact the land registry, but I have had no letters from anyone to say that this has been done, this is the problem I have, I'm waiting as I know they will do it, it's just when. The insolvency website says that you cannot sell your house while an interim charging order is on until it is made full, that's why I'm a bit worried about it.

 

Thanks

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