Jump to content
  • Tweets

  • Posts

    • Not sure about the lease read through all the documents i have and couldnt find anything about parking. Contacted the management Office to get a copy sent to me. When i complained to them about the ticket they told me to appeal so they clearly don't care.      and yes it's a gated underground parking area with key fob entry. 
    • The coronavirus pandemic has thrown many countries into recession - but what exactly is it and how could it affect you? View the full article
    • Oh and before bed   Officially leaked statements about a PHE report claiming that a UK study will say there is little evidence of children transmitting Covid.   Leakers stats look impressive until you realise he's on Johnson's SAGE so makes you think - huh - hows that then when all the science I've seen says different, and there are a number of reports of spreads in schools across the world from schools that had opened.   Then, little as the information 'leaked' is, you see   "largest studies in the world on coronavirus in schools" and then "The study was carried out in 100 institutions in the UK and is expected to be published later this year. About 20,000 pupils and teachers in 100 schools across England were tested to monitor the spread of the disease up to the end of the summer term – which runs from April-July in Britain."   Then you click. That averages 200 pupils and staff per 'institution' checked We dont know what these institutions are, but I think over 200 is the average for infants schools. Other schools tend to be FAR larger. Did they test everyone at each institution, or just some ??? we don't know yet - they are choosing not to leak that - Wonder why?   We currently understand that younger children (pre teenage) seem to present few/less symptoms  (statistically) but large increases in teenager covid has been reported as lockdowns ease and they start to meet more.   I know my OH's grandson (mother a nurse) has remained at school in classes one third or less that normal, with the majority of kids having front line worker parents - so well aware of the discipline and hygiene necessary. We know the schools maintain distancing, monitoring and maintenance which would be IMPOSSIBLE in normal class sizes.   So in a lock down situation, with class sizes significantly lower than normal (highly aware front-line workers kids mainly), increased distancing and cleaning made possible by SIGNIFICANTLY smaller class sizes - Has maybe resulted in no great evidence of covid spread perhaps?   Well Whoopy do. Lets ramp the class sizes back up to 30+ and see what happens ..     Lets let the mail lead the way Coronavirus infection rates are rising in ALL age groups under 65, Public Health England data shows with biggest surge in under-fives which 'should be watched very carefully' https://www.dailymail.co.uk/news/article-8615423/Coronavirus-infection-rates-rising-age-groups-65-Public-Health-England-data-shows.html     and the ONS stats showing how similar the stats are (a statistically significant  difference can be very little actual difference)   https://www.ons.gov.uk/peoplepopulationandcommunity/healthandsocialcare/conditionsanddiseases/articles/coronaviruscovid19infectionsinthecommunityinengland/july2020     Notes: These statistics refer to infections reported in the community, by which we mean private households. These figures exclude infections reported in hospitals, care homes or other institutional settings.  
    • i understand and agree you should write a formal letter of complaint about the email by royal mail.   i also think you should totally dispute the arrears balance, esp as it goes back so long   send them an sar and add to the text in it that you want statements/bills dating back to the gb energy a/c.
    • When you see the reports coming out that serco was involved from the earliest stages apparently to give expertise   and that resulted in 18 million plus people coming back into the UK untested from hotspots .. and then even the general advice to self isolate after they had travelled across the UK home being withdrawn in the run-up to the lock down   That went well says cummings      
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
scetch72

Help Required - Charging Order

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3614 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

This is the first time I have ever written on one of these forums. The more I read about charging orders, the more upset i am getting. I originally had a loan with Nationwide, I was under the impression that it was paid off with the sale of my last house, direct debits to nationwide, stopped, so i just presumed the loan had been paid off. On 23rd June I received a letter from Shoosmiths, saying there was a debt which was now Arrow Global and they were seeking for it to be paid, i stupidly went with DFH Financial Solutions who said they would sort it out for me, but ultimately I ended up paying around £400 before i realised they had done nothing. I received CCJ claims form last week, and spoke to Shoosmiths again, they stated they would "accept nothing less than £336 per month in order for no further action" - however when speaking to them again they were still going for judgement, which I have now accepted. I completed the CCJ form and also sent in copies of income and expenditure to Shoosmiths which they asked for, I also sent a covering letter confirming and clarifying the situation of "no further action". The standing order had been set up on the phone with Shoosmiths, to begin 1st Sept, I had a horrible phone call today from Shoosmiths saying that their client wanted security for the debt and would be going for a charging order, and that they were not accepting £336 per month without any security - Ive read more and more on charging orders, and the thought of going to a court fills me with utter dread, do i just accept the charging order, or do i have any rights, as the CCJ Claims form has only just been received, how can they go for a charging order if I haven't even been given the chance to start paying back the debt. Your help and advice is very much appreciated, I just ffeel like crawling under a rock and letting this all happen to me.

Share this post


Link to post
Share on other sites

i think that is rather naughty of SS

they cannot do that

as yet, they have no CJ, so they cant have a CO either.

 

your mistake is talking to these fledcers on the phone...

 

you should NEVER EVER do that

 

and SS have NO LEGAL RIGHT to know you financial in/out either

only a JUDGE can demand that.

 

something smells here.

the legal side of things is not my strong point, but i think i'm correct.

 

when did the loan start & when did you think it was paid off.

 

can you give us some more history about the debt.

 

also . please try and use line breaks

 

it make things much easier to understand.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I do apologise about the line breaks, im just typing away in absolute tears of frustration.

 

I took the unsecured loan with Nationwide around 5-6 years ago. I maintained payments riht up until my

 

house sale around 4 years ago, i thought there was something strange going on because direct debits were

 

maintained to at least 18 months ago, but then they stopped. So I just presumed the loan had finished,

 

I had never missed a payment. I decided to speak to Shoosmiths, because I was getting nowhere with

 

DFH who I had originally spoke to who apparently had set up a debt management plan, but Arrow were

 

unhappy with the instalments, DFH told me Shoosmiths would only accept £336 for "no further action"

 

so i phoned Shoosmiths, they said the same, however I have no evidence of either conversation I had,

 

thats why i decided to write a letter, so i could have something in writing. Surely, I have to have the

 

chance to pay back in instalments, and they can't go straight to charging order, i've upped the

 

payments to what they said they wanted to avoid this. Many thanks for listening, I'm at my wits end

 

and as a teacher im trying to concentrate on getting back to school on Thursday, but this is just going

 

to take over.

Share this post


Link to post
Share on other sites

can i ask what ACTUAL paperwork from the COURT you have had.

 

something smells here.....

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

All I have had is the CCJ Claims form, which I have sent back, the date on the claims form is 12 August

Share this post


Link to post
Share on other sites

Please someone help! Im having a complete breakdown, i don't know anywhere else to turn, can they take my house off me?

Share this post


Link to post
Share on other sites

NO!!

 

they haven't even got a CCJ yet!

 

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

So do i wait for the court's answer on the CCJ? The shoosmiths solicitor told me they would get it as my defence (I had not seen all these legal type letters on this site) was

 

"laughable" and had nothing to do with Arrow Global as they had bought the debt from Nationwide - my defence was an a4 paper stating about the debt being unknown to me, and

 

not knowing anything until I received the initial letter from Shoosmiths on 23rd June. In the defence I stated what shoosmiths told me in the first place that £335 was the required

 

amount, i said this in the defence and that I had already set up the standing to begin on 1st Sept, I have no idea why I am now dealing with a different person at Shoosmiths, and

 

why they have been so nasty, shouting down the phone, that the debt is due FORTHWITH and they will only accept instalments with a charging order attached.

Share this post


Link to post
Share on other sites

Hi , welcome to CAG

 

More help will come.

 

Shoo's may be a solicitor, but they do not act with any integrity or honesty. They are not interested in your circumstances, only in extracting as much money as possible, & in order to do this causing maximum upset.

Sit down, & take a deep breath. As a consumer you have rights. And both Shoo's & Nationwide had an obligation to adhere to certain procedures & protocols. Which it would appear they have ignored.

 

I was under the impression that it was paid off with the sale of my last house, direct debits to nationwide, stopped, so i just presumed the loan had been paid off.

 

Send Nationwide a DSAR. Request copies of all statements & all other documents referring to this account.

 

I had a horriblent thing is to record your calls.br /br /span style=\'float:right\'a style=\'padding-left:20px;text-align:right;font-size:80%;\' href=\'http://www.autolinker.com?ref=www.consumeractiongroup.co.uk\'AutoLinks by http://www.autolinker.com/a/span/div', BGCOLOR, '#63DD78', BORDERCOLOR, '#C9678E', BORDERWIDTH, '1', WIDTH, '-500', TITLE, 'Record your calls', SHADOW, '1',FOLLOWMOUSE, 0, OPACITY, '95', FADEIN, '300', FADEOUT, '300', CLICKCLOSE, true,FOLLOWSCROLL, true,CLOSEBTN, true, PADDING, 0); microAjax('autolinker/autolinker_stats.php?uid=196512&fid=170&t=v&kw=phone call', function (res) {;});" style="font-weight: bold; font-style: normal; text-decoration: underline; text-transform: none; font-size: 100%; color: rgb(0, 0, 0); font-family: Gill Sans;"> phone calllink3.gif today from Shoosmiths saying that their client wanted security for the debt and would be going for a charging order,

 

These are nasty nasty people. DO not speak to them on the phone. From now on all corresponce is in writing. All letters sent recorded.

 

On 23rd June I received a letter from Shoosmiths, saying there was a debt which was now Arrow Global

 

This would indicate that Nationwide nolonger own the debt. If they have sold it on. You should have recieved a "Notice of Assignment". On the POC who has issued the claim.

 

When you say you have responded to the Court papers , have you aknowledged or have you admitted the claim ?

 

DEbs x

Share this post


Link to post
Share on other sites

Not knowing what to do, I just thought I was in the wrong and to stop anything else happening, and just deal with it, I sent the Claims form back admitting it all, I just presumed I was in

 

the wrong. Can you tell me what a DSAR is? I only ever received a letter from Shoosmiths on 23rd June, I had nothing from Nationwide in regards to the debt/loan for 4 years. I know

 

Ive probably gone the wrong way about this, but I thought by admitting it, it would get it sorted and out of my hair in 3 yrs, Shoosmiths had said 36 payments of £336.82 would settle the debt.

Share this post


Link to post
Share on other sites

esp if a mug is willing to cough up i bet they will be happy.

and admit to owing that too in a court of law

i still say something smells here.

we'll get there.

 

now the [D]SAR

 

if you scroll up you'll see library

hit that and look for SAR under bank charges

that will do.

 

dx

when was your last financial transaction


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Last transaction with Nationwide was the direct debit which was set up to pay the loan for £225 per month, that was around 18 months ago, then they stopped, and I heard nothing from Nationwide from that day to the shoosmiths letter on 23 jun

Share this post


Link to post
Share on other sites
SS have NO LEGAL RIGHT to know you financial in/out either

only a JUDGE can demand that.

 

 

If a debtor admits to the debt they should send the I&E to the Claimant's representatives with their details and an offer, even if they send it to court they will just forward it to the claimant. There is no way around it if you admit the debt.

 

scetch72, have you already replied to the court forms? It sounds to me like your already have a forthwith judgment against you? Is that right?

Share this post


Link to post
Share on other sites

they haven't even had judgement yet!

 

p'haps you could help the OP with their problem, better than i can

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
Not knowing what to do... I sent the Claims form back admitting it all.

 

 

dx100uk, I think the OP has a CCJ already.

Share this post


Link to post
Share on other sites

I have not received any notification of ccj or any type of judgement, i have sent the ccj claims form so far and that is it

Share this post


Link to post
Share on other sites
Ive probably gone the wrong way about this, but I thought by admitting it, it would get it sorted and out of my hair in 3 yrs, Shoosmiths had said 36 payments of £336.82 would settle the debt.

 

If judgment hasn't already been gained by Shoo's, is there anyway that the "Admission" can be retracted ?

Share this post


Link to post
Share on other sites
I have not received any notification of ccj or any type of judgement, i have sent the ccj claims form so far and that is it

 

 

You might do, the courts can be slow at drafting orders once they are made.

 

Call the court tomorrow to find out.

Share this post


Link to post
Share on other sites

ok, i will call them tomorrow, it will be yet another sleepless night, if i get the ccj - fine, but im worried about this charging order, i have offered what was asked for, i just cannot get over that they can go for a charging even before i have had the chance to pay anything back

Share this post


Link to post
Share on other sites

they cant its all bull!

 

sadly this is what comes through talking on the phone to them

you BELIEVE what they tell you.

 

i bet they would NEVER repeat that before the judge, he'd go loopy!!

convicted before he's even heard the case!!

 

 

tnx db and gm for helping here.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

When did you send in the Admission ?

I would recommend speaking to the courts first thing tomorrow. I have always found the court staff to be very helpfull. They will be able to tell you at what stage your case is at. If your case hasn't been finalised, if judgment hasn't been given. Explain the situation, you were bullied & intimidated by Shoo's into admitting this debt. You want to retract your admission & defend the claim in full. Get the name of the person you speak to, you can Fax your ammended response direct to them, and get confirmation they have recieved it.

 

Debs

Share this post


Link to post
Share on other sites

Perhpas again in hindsight i shouldnt have phoned them, but i thought i was doing the right thing- DFH who were meant to be a debt management plan, had basically done nothing, so i thought i would make the offer to shoosmiths, in order to not to pay even more through dfh because of their 50 pound per month, it was the lesser of two evils

Share this post


Link to post
Share on other sites

I sent the admission last wednesday - the claims form was dated 12th august so i was told to get the form in for 31 aug

Share this post


Link to post
Share on other sites
DFH who were meant to be a debt managementlink3.gif plan

 

You will deal with this, to establish what they have done, you may want to start a seperate thread.

But your priority is to prevent this CCJ. You sent it last wednesday, they recieved thursday maybe later, remember this is a bulk handling office, and a bank hoiday weekend. This is probably sitting in an intray.

Phone them tomorrow. Don't be frightened or intimidated by Shoo's. Hindsight is a wonderful thing, but atleast you have found this sight before they got a CCJ.

 

Goodnight. Let us know what the courts say tomorrow. And we'll help with the SAR & the CPR 31.14 tomorrow.

 

Debsxx

Share this post


Link to post
Share on other sites

Thank you for your advice, do i just call northampton crown court and ask for the person that deals with ccj's? This is how naive i am.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...