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Charge on house is it time to panic????????


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Hi everyone,

First time on here any help would be greatly appreciated.

 

Had a credit card with Virgin , MBNA, and ended up with just under 6000 owing on it. Self employed and ended up not being able to pay monthly repayments. After debt being sold to god knows how many different companies ended up with IDR finance from Wales. Made offers of payments, all refused. Below is a time line of following events, really worried now and don't really know what to do or who to turn to.

 

SEPT 2012 sent claim form for CCJ from Northampton County Court.(admitted full liability)

OCT 2012 Judgment passed. Repayment of £20.00 PM to be paid. Standing order set up to pay, ongoing no payment missed.

DEC 2012 Letter telling me they were going to different court for a reditermination hearing.

FEB 2013 Judgement passed. Pay full amount forthwith !!!

FEB 2013 I sent in form N245 (I think) it cost £40.00 and had means test on it with my offer of £20.00 PM(filed within 14 days)

FEB 2013 Letter from IDR telling me they have applied for a charge on my house.

 

The time from sending in form to the court and receiving letter was 5 days, so they may have overlapped.

 

What will the charge do?. Can they force me to sell.:???:

 

Many thanks All :)

Edited by Mr. Edd
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I will try and find someone who can advise but I doubt they will be able to force a sale. Is this debt in joint or single names. Is the mortgage/home ownership in joint or single names ?

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they haven't got the charge yet? so could try and challenge it? anyway, orders for sale only as last resort and in consideration of the circumstances. unlikely. have a look at the charging order threads eg http://www.consumeractiongroup.co.uk/forum/showthread.php?203298-A-guide-to-Charging-Orders-amp-Orders-for-Sale%284-Viewing%29-nbsp, including post#523

http://www.consumeractiongroup.co.uk/forum/showthread.php?343089-Charging-Orders-discussion%289-Viewing%29-nbsp,

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=15_charging_orders_in_the_county_court

Edited by Ford

IMO

:-):rant:

 

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Hi all,

No charge, not got yet , just applied for. The house is in my name only, living alone with my son here 3 nights per week min. Should I see a solicitor if so what is the time frame. Also the house is 25K in negative equity.

 

Thanks all for the help :)

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