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Lloyds TSB Mortgages - in court tomorrow - need urgent help!!


gideonssword
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PLEASE HELP ME ,

 

i had a ccj against me in 2006 for £17.5k and with interest plus court costs it came to about £21k

 

i was told to pay £40 per month but then i got made redundant i could not keep up payments

 

i panicked and did a runner {I know i could go to prison} - no you cant!!

 

i got a letter from HL Solicitors acting on behalf of Lloyds TSB who said fill in attachment of earnings order

and make an offer of repayment or they will enforce the suspended attachment of earnings which was £40.

 

My question is can i go back to the district Judge and ask him to lower it again or even write the debt off as i only work part time doing 2 shifts a week,

 

£40PCM does not even cover the interest on this the debt is growing by at least £100

and i cannot physically do anything about it,

 

Please advise me what to do my fellow caggers.

Edited by dx100uk
dx
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Hi gideon

 

Who said you could go to prison, it's not illegal do be in debt anymore mate so put that thought away for a start

 

As I understand it you can ask to go back to Court and explain your circumstances openly and ask for a redetermination

 

In the long run the Courts are not there to do anything but help, they may slap your wrist but that's about it

 

Those with more experience will no doubt be along but in the mean time try not to worry

 

Good luck

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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I just telephoned the court

 

i cannot get a redetermination done as that as to be done within 8 days of ccj

but i can fill in N56 and apply to have it lowered which i think is the same or similar,

 

as i said i only work part time i suffer with Arthritis

so my job prospects will not really improve in the long run i will put a letter in with my N56

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I just telephoned the court i cannot get a redetermination doen as that as to be done within 8 days of ccj but i can fill in N56 and apply to have it lowered which i think is the same or similar, as i said i only work part time i suffer with Arthritis so my job prospects will not really improve in the long run i will put a letter in with my N56

 

 

Well you've started the ball rolling now gideon

 

Another good thing to look at is the fact that by approaching the Court you're showing that you're trying to help sort this out and will go in your favour should HL get snotty

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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is it possible to have a Judgement set aside because my job and my health have changed since the original Judgement?

 

Due to severe arthritis in my feet i can only work part time now and my doctor said this would spread to my knees and elbows in time. as i work part time the only payments i can afford to make do not even come anywhere near the interest let alone reduce the debt, in just 2 years the debt has grown from 21000 and is now 25000

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yes we had our home repossesed and the district judge said we must pay £40 per month

but the solicitors acting on behalf of the creditors said they would check my income every 6 months

but i was Made redundant in 2009 i am alrmed that they are still piling on thousands of pounds in interest

 

what do they hope to Achieve by this i am a council tenant i have no equity, no savings and as i said i been diagnosed with severe arthritis in my fooy

t which will eventually affect my knees and elbows so my long term job prospects are not good either,

 

i am 43 and work part time i cannot stand for long periods without being in agony if i go for a walk i end up in agony.

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To be honest, given your circumstances it may be worthwhile considering bankruptcy. At least after a year you won't have this millstone around your neck.

they are still piling on thousands of pounds in interest what do they hope to Achieve by this
They can only add interest if the court order specified they can.
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no i dont think it matters.

 

have a look in the legal forum

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

I am in the county court tomorrow regarding this

 

can i ask for a Judgement to be Varied

does anyone know if i can ask the judge to look at the interest as well as the creditor is putting interest on every month at 8%

when the Bank of England base rate is 0.5%

 

this was for a mortgage shortfall of £17k the debt is now £25k because of the interest.

 

help?

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4 threads megred

please keep to one thread per debt

so's we can see the history of advice given

 

dx

siteteam

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 11 months later...

i was taken to court in 2006 by HL Solicitors acting on behalf of Lloyds TSB over a mortgage shortfall.

 

i foolishly did not defend it at all so i was ordered to pay £16k plus £8k in charges and interest.

 

As the house was repossesed in 1999 i was told to pay £40PCM to clear the CCJ.

 

I was made redundant in 2009 and foolishly again stopped paying.

 

i eventually found employment last year and offered to pay so much a month

but they were still applying interest

so i asked them back to court and they practically begged me not to go back to court to look at the court hearing from 2006.

 

They froze the interest and when i think back the house i was living at in 2006 they released the charge that they put on the property.

 

My question is What are they hiding? is there a way i can find out what they do not want discovered?

 

The guy at the citizens advice was looking into it last year but he said some papers from the original hearing had gone missing from the court {sounds dodgy}

 

I cant help but feel in my gut that a great injustice has occured.

 

It will take me 4 and half years to pay this off but curiosity is killing me... i am desperate to know why they were pleading with me not to go back to court.

Edited by ims21
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Hi

 

I've formatted your post for easier reading. Please use paragraphs and punctuation as it makes it so much easier to read.

 

The guys will be happy to advise as soon as they are available

 

ims

 

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I telephoned the Court yesterday afternoon and explained i wanted as much information as i could get regarding the original hearing and they said if i send in a letter they will release transcripts and other things regarding the case to me.

 

I know this is a long shot but at the original hearing the address concerning the mortgage shortfall was spelled incorrectly i know its only a minor blip it should be Moore avenue but they put Moor avenue, would this make any difference in getting the CCJ struck out?

 

kind regards.

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thank you for your kind responses i am very grateful,.

 

i have checked a factsheet by national debtline in accordance with the council of mortgage lenders,

which states that a lender has 6 years to get the interest applied to the debt after the sale of the house,

 

well the house was repossessed in February 1999 and sold early 2000

yet they did not take me to court until August 2006

i now believe that is why they did not want me to go back to court because this would be exposed.

 

my question now is how do i right this wrong i will have to take the Lender back to court if i win and the interest was taken off it was shave 2 years off the repayments.

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