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Welcome charging order has been sold to PRA Group. Please advise...


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Hi all

My apologies if this has been covered elsewhere,

I have looked but cannot find an answer.

 

A charging order was placed on my property 5 years ago by Welcome Finance,

I was not required to make any monthly payments.

 

I received a letter today saying that the entire debt has been sold to PRA Group and they are seeking to recover the debt.

 

I was under the impression that as a CCJ,

then a charging order had been granted,

that the debt was stagnant until I sold my property.

 

Could anyone offer any advice?

Many thanks in advance.

Emma

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Judgments can be assigned...with or without a Charging Order.Seems strange that you were not required to make any payments towards the judgment?

 

Andy

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You may or not be aware that Portfolio Recovery Associates (PRA UK) and Aktiv Kapital are now part of the same group, the PRA Group of companies.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Thank you for the reply. When you say assigned, what does that mean?

As the debt has been sold, does that mean the charging order is still in place?

When the charging order was granted, Welcome sent a statement every month but did not ask for any repayment.

Emma

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Assigned / sold......hence their letter...they may not be aware that a charging order is already in place as security...hence their comment " they are seeking to recover the debt ".

 

The judgment has already been executed by way of the Charging Order......a claimant has 6 years to execute any judgment and has various options open to them.

 

Charging Order....Attachment of Earnings ...Third Party Debt Order or even Bankruptcy...it may be advisable to respond and inform them of the charge...if they are already aware of the charge then you may need to enter into a payment arrangement.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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why did you not contest the original Claimform

 

 

90% of welcome debts are vastly inflated with unlawful PENALTY Fees

and all manne of insurances

 

 

all of which can be reclaimed at their int rate

 

 

tell us about the debt please

 

 

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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