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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Unsecured Loans Now secured on property loads of interest what options now?


Big Dan
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Same old story I'm afraid.....

 

We had a loan via GE Money/Home lending for £5500 and had only managed to make a few payments on the account when i lost my job.

 

We spoke to GE and advised them of the situation, that the problems were only temporary and that we would make arrangements for the arrears to be cleared as soon as possible.

 

The call taker insisted we make a payment arrangement but as we were living off thin air I was unable to do this.

 

I offered £5 a month token payment which was refused and advised i couldnt do anymore at the present time.

 

The debt was subsequently sold to Link Financial and shortly after recieving a letter from them we received a very rude call from someone at link who advised me "We own the debt, you owe us £6600 (or thereabouts) can you make full payment now?"

 

I advised that I didnt have £6600 knocking about and that we would be able to make a payment offer but was just advised "we'll be sending you court forms" and the call was ended by them.

 

Duly the court forms arrived and unfortunately due to fighting repossession we did not attend the hearing.

 

CCJ granted and now they are going for charging order THIS FRIDAY 12th (in a court 60 miles from our nearest court!) .

 

How can i avoid a charging order? Postpone the hearing??

 

It is in our mortgage terms that if someone applies for second charge they can cancel the mortgage/sell our house!!!

 

I have just started a new job and could not get the time off to attend.

 

Any payment would have to be small due to arrears on water/elec/gas etc and we do not currently have the money to pay court fees to have set aside???

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You need to oppose the Interim Charging Order.

 

Have a look at the links below on Charging Orders and what grounds you may oppose them -

 

Insolvency Helpline

 

National Debtline

 

and this gem of a post ( Courtesy of FunkyFox ) -

 

FunkyFox post

 

and sequeci's sticky - A guide to Charging Orders & Orders for Sale

 

I know you have thought about trying to set aside the CCJ that has caused the Interim Charging Order application. Have you looked at the Court form EX160a for fee remission?

 

Some links below about Setting Aside a CCJ -

 

A Guide To Setting Aside CCJ's You Never Received

 

CCJ removal inc. step by step guide

 

Applying for a Set-aside

 

Spamalot - CCJ and interest on debt. ***WON***

 

Setting aside the original CCJ of your CCA

 

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Thanks all,

 

Rings a bell about them sending me a letter asking to return forms to them.

 

Will dig out my paperwork.

 

Unfortunately due to our mortgage company trying to reposess our house this fell by the wayside so i neither acknowlegded or defended the claim.

 

Will get the forms N241? and fee remission form filled out and fax and post them to the court. (got nothing to lose).

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I'm currently 'working' with a cagger who also had this and returned the forms to Link.

 

He ended up losing the case as Link did not submit the paperwork and they extorted the best part of 9k via a default judgment.

 

With my own letters from TS and the proof he has he's in the early stages of contacting his own TS office and informing Link, presenting his evidence and testing the water.

 

BG

- If you also have a letter from Link that directed you to return court paperwork to them and not the court that will be great.

 

Link Financial have already been confirmed of attempting to perverse the course of justice with this tactic and if the licensing section of the OFT get further evidence of this with resultant loss this could bring about the major kicking we know this company deserve.

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Not sure if anyone is about at this time of night but am not sure if any of the following are relevant??

 

1. Our GE paperwork is not signed by them.

2. The terms and conditions which state they can charge interest willy-nilly and after judgement are on the back of the application form and I/We have never seen these until just now!? These were not explained or shown to us at the time of sale.

3. Pretty sure we have had the Link letter advising us to return the forms to them but cant find it at the moment !!!

4. We were only 3 months in arrears when debt sold to Link despite us telling GE it would be a temporary problem.

5. Amount borrowed was £5850 but claim is for £6889??

6. Link have said they will charge us 21.3% interest until the debt is repaid but someone mentioned 8%???

 

Anyone still awake??

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Not sure if anyone is about at this time of night but am not sure if any of the following are relevant??

 

1. Our GE paperwork is not signed by them.

 

Can you scan this for us?

 

2. The terms and conditions which state they can charge interest willy-nilly and after judgement are on the back of the application form and I/We have never seen these until just now!? These were not explained or shown to us at the time of sale.

 

We need to show how this 'back of the form' stuff wasn't attached to the bit you signed...in an ideal world. If you look at the signature sheet is there any reference to T&C's being 'overleaf', 'on the reverse of this application' etc etc. Or, does it say the T&C's will be sent to you seperately? If we can demonstrate the T&C's were a seperate entity at the point of entering the agreement there's a chance you can dispute this extra cost.

 

3. Pretty sure we have had the Link letter advising us to return the forms to them but cant find it at the moment !!!

Please try very hard to find it. If you do please PM me, I'm gathering info on this tactic having already involved trading standards officers who viewed this tactic as an attempt to perverse the course of justice and the licensing section of the OFT have been passed the information and sample letters. The more we can show this is a deliberate tactic and not a 'mistake' the better and it will be helpful to you also, albeit indirectly.

 

4. We were only 3 months in arrears when debt sold to Link despite us telling GE it would be a temporary problem.

This is a particular problem and as far as I can see a huge no no. Typically the ICO would not even expect a default to be registered after this amount of time, let alone terminating the account and selling it on. You have been treated unfairly by the creditor. I'll post the ICO stuff on this thread after and you can have a read for yourself. Such quick termination is absurd and completely unfair. This will be a major advantage for you so use this fully ok?

 

5. Amount borrowed was £5850 but claim is for £6889??

Get them to provide a complete statement history to enable you to audit the account fully. They should provide at least 6 years and in some cases up to 7. If they can't provide this they're in breach of company law or similar, accounting and all that, can't recall the exact terminology.

 

6. Link have said they will charge us 21.3% interest until the debt is repaid but someone mentioned 8%???

8% is the statutory amount. 21.3% is high, you'd need to check what you signed.

 

Anyone still awake??

 

Unbelievable!

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BG

- Here is the ICO stuff I mentioned above about defaults and the amount of time a creditor should typically allow (in the interests of fairness) before registering a default.

 

There are variations depending on the duration of the credit to consider,

for example a 25 year mortgage you are five months behind with payments on represents a small total of the actual number of months the agreement is expected to last for.

 

In contrast an agreement that lasts for say 12 months that hasn't received a payment for two months is a much bigger deal (proportionally) and so a default could reasonably be registered after 2-3 months.

 

Given your situation I strongly feel that the speed of the creditor to effectively consider that the lender-borrower relationship is beyond repair after such a short amount of time for a relatively large sum of money is grossly unreasonable and constitutes an unfair action by the creditor. To not only default (I presume they sent you a default or you have a copy, can we see it) and sell the account is extremely poor practice.

 

Read the ICO stuff provided and you'll see what I mean. It gives you, I feel, a very strong argument and could prove very useful in court.

ICO Guide to defaults - 6 months before default should be added.pdf

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  • 1 month later...

Hi All,

 

Link didnt turn up in the end but an interim charging has been granted.

 

We are due back in court on the 31st March so will get everything we have scanned on ASAP for some advice.

 

Due to depression and being forced back into full-time work by our mortgage company I have again neglected to take any action until last minute (I know I'm not doing myself any favours)

 

I am thinking of going down the route of having the hearing adjourned again(?) on the basis that i will submit complaint to the Ombudsman/OFT which should be remedied before the trial continues.

 

all we want to do is keep our house.

 

I really dont know what options we have?

 

As I have said in other posts in June this year our mortgage payments reduce to less than half of what they are now which will free up approximately £600pm to get these paid off but not sure how I will keep going until then.

 

We cannot sell the house as it is half decorated and Link have put the Interim Charging Order on it.

 

Whats the best way forward

 

Apply to have the CCj set aside???

Edited by Big Dan
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Hi

 

You are in a similar position to me.

 

Link one a chargin order against us. With just 3 months default.

 

Frankly it was underhand and not fair. (In my opinion lol)

 

Anyway, I am now applying to have judgement set aside.

 

Its very worrying but I am sure we can prob help each other.

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  • 1 year later...

We are currently in the process of bankruptcy and have been advised that once declared bankrupt any second charges on our property will be removed.

 

We are currently in negative equity, and would be grateful if anyone can advise if this is correct.

Thanks

 

Sorry I should have said we have been advised by the company dealing with our bankruptcy that the second charges will be removed once we have been officially declared bankrupt.

 

Have searched for the answer but seems to be conflicting info with some saying the only way to remove a second charge is to pay it and others saying the property has to be sold to remove second charge??

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Hi Dan.

 

I hope the company you are using are not charging you. We can help you just as well for free.

 

In answer to your question,

 

You are not automatically discharged from a charging order once you have been declared bankrupt.

 

The debt, along with the property are transferred to the official receiver after BR.

 

They are however unlikely to be interested in the property if it is in negative equity.

 

They also must deal with the property within 3 years of your BR.

 

They could in theory sell the property back to you for as little as £1.

Its called buying the beneficial interest.

The down side to that is the charging order also has to be dealt with at some stage.

 

Before i rant on, do you have any plans for the house?

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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The charging order will stay on the property until sold or repossessed, as simple as that

 

Tonycee, as of December 2010 the IS have removed the £1 equity buy back scheme, they will now leave it 2 years 3 months before daling with the property if it is negative equity

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  • 9 months later...

Hi All,

 

We have just been declared bankrupt but it has come to light that one of our creditors has a final charge on our property.

 

I knew it had gone through court but at the time was i was in no fit state mentally to deal with it properly.

 

I wrote to the court at the time to say that we were in the process of entering into an IVA (so were insolvent) and that if the charge was granted it would prejudice the position of our other creditors but was unable to attend the hearing and the final charge was granted in my absence.

 

However no meeting of our creditors took place and I'm under the impression the first and second charges should never have been granted?

 

Am I right and is there anyway to get these reversed now they've been granted? Can the official receiver request this?

 

Thanks

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  • 6 months later...
  • 5 months later...

Quite a specialist question but I'll take my chance as I need an answer.

 

I have recently been discharged from bankruptcy but prior to filing for bankruptcy one of our creditors took a 2nd charge on our home.

 

There is no equity in the property and I am considering applying to have the order set aside.

 

However what I'd like to know is..... if or when I am successful in having the order removed from our property whether I could then ask that the insolvency service then include this in my bankruptcy thereby writing it off with the rest of my debts?

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If you're successful the debt would disappear as part of the bankruptcy.

 

When was the judgment entered against, when was the charging order obtained and why do you feel you'll be successful?

 

Without even know the situation it must be stated that set asides are very difficult to obtain unless the application is made 'promptly' - which is usually within a few weeks of the judgment being entered against you.

 

Seq.

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  • 1 month later...

After going bankrupt this is now back on with Link Financial as they have recently sent us a letter saying they will look at other ways of enforcing the judgement they have against us and the debt that they have successfully second charged to our house.

 

They are still adding 21.3% interest to the loan on a monthly basis which means the amount "owed" is now double the what we agreed when we took out the agreement and rising.

 

We have no equity in our house and if Link carry on the way they are we will never have any as the value of our home will never raise 21.3% Per Annum to match their rates.

 

Any suggestions on how i should tackle this greatly welcomed and lets see how we get on???

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Hi Dan

 

If you can get hold of the original summons and in particular he Particulars of Claim....what did they plead with regards to post judgment interest?

 

Regards

 

Andy

We could do with some help from you.

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No because they managed to get a charging order so it was secured to the house :-(

 

Hi Andy,

 

I will dig out all the paperwork i have so far and get it scanned on.

 

While i'm at it I will SAR GE Money and Link as I'm sure this info will show they have not acted reasonably.

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  • 1 year later...

Hi All,

 

After the collapse of my business when the credit crunch hit we were declared bankrupt about 2 years ago (and discharged a year ago).

 

During our money troubles I went to pot and couldn't deal with anything properly which has resulted in two of our unsecured lenders securing what we owed as second charges against our property.

 

The worst behaved of the creditors will probably not be a surprise, Link Financial.

 

When Link took over the debt we received one call from them which went like this .....

 

LINK: You owe us £6800 how are you going to pay?

 

ME: We don't have £6800 as we are having financial difficulties but I can make a token payment?

 

LINK: We will have to take you to court then. Paperwork will be in the post.

 

True to their word the court papers arrived and were filed at court

 

as part of the process I sent a statement to the court advising that we had never refused to pay but were having financial difficulties as well as suffering from depression and would be will to make whatever payments we could towards it.

 

I'm still unsure why but the long and short of it is that the court awarded a CCJ,

then secured the debt against our property

THEN gave them the go ahead to charge us 24% interest on top of a debt we already couldn't afford?????????

 

The debt has now increased by another £10k

but we would like to get straight

 

wondered what if anything we can do to return the debt to somewhere near it original amount?

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