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    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject.   My original  CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  So at a loss as to why the sudden loss of response from them.   Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.  
    • whats the court claimform for? return of goods order? please complete this:  
    • std DWF letter. typically £157 something. lots of them here already doesn't say WILL anything. read it properly dx  
    • Have you read our upload guide [click on the word] for advice on how to post up documents? Pdf files are best, jpegs won't be accepted. HB
    • Sunak's already had enough of travelling like the little people. Rishi Sunak flies back from Devon by helicopter after gushing about 'great' train travel - Mirror Online WWW.MIRROR.CO.UK Rishi Sunak told broadcasters: 'The train was great, I've been taking lots of pictures and videos' - but he skipped the 3-hour, £55 train home in favour of...  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi all;

I have a mortgage from Nram :mad2: & an unsecured loan with them also (together mortgage), & a secured loan with Black horse which Nram agreed to. I was made redundant 3 times in succession & I'm working now & hubby works also, we never got straight. Went on interest only & reduced payments, but now they say they cant help us any more. We got a repossession hearing & went to mortgage rescue so it was stopped but mortgage rescue fell through at the last minute due to repair costs. The advisor at mortgage rescue told us to stop paying everyone & find somewhere to live because they would start repossession proceedings again now. Found a house to rent but cant get it because our credit rating is worse than bad & we havnt a guarantor. the council wont rehouse us. got a letter from Nram saying they want to send an advisor out to discuss, if we dont agree they will charge us (is that lawful?). Im happy to see the advisor but dont know what they will do, they refused to extend our mortgage term as hubby is 52 now. we can meet the mortgage but not the secured & unsecured. If we get reposessed they will between them lose about 60k, its mad.

dont know what to do :sad:

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Nram send out their 3rd party "field agents" usually for two reasons. Either they had limited or no contact from either one or both borrowers or there looking at the final stages leading up to the repossession process. What's the arrears balance total, I'm assuming you account as not yet been to a hearing.

Edited by rockbusters
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Nram send out their 3rd party "field agents" usually for two reasons. Either they had limited or no contact from either one or both borrowers or there looking at the final stages leading up to the repossession process. What's the arrears balance total, I'm assuming you account as not yet been to a hearing.

 

Hi; no not yet. Arrears is around £6k; they are looking at repossession. Who is the 3rd party? Is it better to meet them away from home & can I tape record what they say?

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You can't record anyone without their permission if your intention is to play it back to other people besides yourself. If only YOU will listen to the recording, then you can record it if you wish; however, it is unethical not to inform a person that you are recording what is deemed to be a private conversation.

 

The agent is not likely to want to meet you away from your home.

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