Creditor adding solicitors fees after CCJ/CO

[FightToTheEnd]

Ok, my wife had a fixed sum loan from a leading bank which we were unable to pay. They very quickly went for a CCJ and then a Charging Order which was granted. (Actually a restriction as it's a sole debt and joint property but that's another thread!!).

 

When applying for the CCJ they added legal fees of approx £400 and this was included in the judgement debt. We have now agreed a monthly payment and this will just run I believe until we sell up in the next year or so.

 

Today I have had a further letter from the OC saying they are adding £210 of legal fees to the account. I presume this is the cost of the CO.

 

Can they do this? Surely they have a figure the court has agreed we will pay and that is that? Also, how can they add an amount to the agreement as they state when the agreement is terminated?

 

Any thoughts?

 

Thanks guys.

[Ganymede]

There is a standard amount for a Charging Order for Court and solicitors fees.

 

What is the exact wording of the Charging Order? Is should mention them on there.

[Gaston Grimsdyke]

£210 is the costs awarded by the court on the charging order proceedings. £100 issue fee and £110 fixed solicitors costs. If they ever try to enforce the charging order, they can add all of their costs unilaterally to the debt without the need for a costs order from the court at all. And if the loan is not regulated by the Consumer Credit Act and the judgment exceeds 5K, they can also add statutory interest to the charging order debt.

[FightToTheEnd]

Thanks guys, understand. It is a CCA agreement and i think pretty much zero chance of a repo so all ok i guess for now....