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I need help ! CCJ/Interim Charging Order


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Hi I am a newby, but have been looking at this site for a couple of weeks now - now I need your help !!! My job will be gone if I get this CCJ against me, I have decided to defend this by going for an Application to Set Aside, but I think I've just blown it by informing the baddies of my intentions and why I think it will be granted. Also they have put an interim Charging Order on me. God, I feel sick with worry !!!!! Taken the day off work today as I feel too stessed and can't concentrate on anything :? Has anyone out there been granted one of these and how did they do it.

My plan is to say that:



1. My job will be jeopardised (have wirtten confirmation of this)

2. Awaiting details on the Subject Access Request submitted to them.

3. Change my mind since original Original Claim for was signed and that

I now wanted to defend both the Loan and Overdraft.

4. Am already in a DMP whereby other creditors have agreed (apart from

MBNA - rejected, FirstPlus - still pending).

5. Have Multiple Sclerosis and wasn't thinking straight at the time (don't

really want to throw that one in just yet case they think I'm a woos).

6. Mr Bank Manager didn't perform a proper credit check, nor did he look

at my account to see if I could "sustain the account until the end of the


7. Wasn't treated fairly when informed them I was having difficulty.

8. Agreement was on the proviso that my credit limite to slashed to

£1,000 which it never was. Kept at £5,000

9. They opened up a nice new "Private Bank Account - Natwest" with all

the nice loans, insurances etc., - irresponsible lending.

10. Have no copy of my signed agreement.



Interim Charge on my Property


1. My illness

2. Haven't informed other creditors.



Can you guys think of anything else. ????

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