5 CCJ's+restriction k's - been paying 2 after order of sale attempts . **RESOLVED £52K saved - NONE PAID but on-going**

[dx100uk]

of course they are rest k's , sole debts, joint ownership. you don't have to negotiate nor tell them in most cases 

 

interesting these fleecers have tried for an order of sale on a restriction K! ..really! what fleecers.

 

i question the wisdom of selling up if you like where you are just because of these debts...unless you have other debts.

 

The court can only order a sale where:

the debt is in your sole name and you are the sole owner of the property, or
 the debt is in both the names of the joint owners of the property.
 If the debt is in your sole name and the property is in joint names, the creditor could in theory apply for an order for sale to realise their interest in the property, but it's but useless to them. Your creditor will have got an interest in your share of the property if/when the final charging order was made.

 

Lowell interim charging order from credit card debt 2009 - General Debt Issues - Consumer Action Group

 

Remortgage issue with restriction k's - Mortgages and Secured Loans - Consumer Action Group

 

Nationwide credit card CCJ and CO (Restriction k) going to sell soon **RESOLVED BY REDUCED SETTLEMENT** - Nationwide - Consumer Action Group

 

 

dx

 

 

[dx100uk]

those are all restriction k's. they do not need settling or paying if you sell.

can you put the names of the charge holder back in please (but not any of your pers details ofcourse name names don'y play secret squirrel. 

 

as for your all the other debts, are you blindly paying any other DCA's on very historic debts ? because you are now wrongly afraid of them?

 

list who you pay and what..you could very well be being cash cowed here. they really do have ZERO legal powers on ANY debt - no matter what it's type.

 

i was just reading your line about the 2 ones you are paying.. did the judge set these payments or were you conned by having a little chat with the fleecers rep before you went it each time?

[dx100uk]

all that needs to happen is the home buyer sols simply writes to each restriction k owner after the sale saying my clients now own the property.

 

any sols already knows this process you don't have to do or say a thing, but beware just like scamming lying DCA's there are sols out there that will try and earn money by not doing what is required by law.

 

these debts you are still paying...

i will gather northern rock is an old loan? they still own it still?

 

can you add to you list 

 

the type of each debt

the original credit

when taken out.

outstanding balance

 

 

[dx100uk]

you keep confusing yourself

you don't need to do or say anything with regard to the restrictions....

 

10 minutes ago, gtn said:

No disposition of the registered estate is to be registered without a certificate signed by the applicant (the buyer) for registration or his conveyancer that written notice of the disposition was given to X care of X Solicitors.

 

after the sale...

[dx100uk]

5 minutes ago, gtn said:

Why would it be after the sale though?

 

because that what the restriction states...

 

5 minutes ago, gtn said:

Surely the buyers conveyancer will be looking to have these restrictions removed prior to or at completion and therefore write to the vultures in time to have these cleared before or at completion?

not if they know how to deal with restrictions properly...

[dx100uk]

as with all debt charities they are financed by the banking and debt industry.

 

so your no.1. is the answer.

[dx100uk]

41 minutes ago, gtn said:

You're likely to find in practice that the creditors will refuse to release the restriction unless they are satisfied that their debts will be settled to their satisfaction.

 

total BS the creditors have no say whatsoever and do not ever legally have to be informed of the sale until it's done, too late for the fleecers..

 

sorry but you got done over by the debt buying system, believed everything you were are are being told, and got had blind. 

they are all restriction k's.

 

now stop looking for ways to get mugged and move.

 

as for your other debts, you've yet to answer my questions, cause i bet as sure as eggs is eggs none of the debt buyer hold any enforceable paperwork, which is why the original creditors sold the debt on and wrote them off. cause if the did they'd have crushed you in court..buy they sold the debts for 10p=£1..funny that eh?.... cash cowed blind on every debt i bet.

[dx100uk]

trying to scam you

any home visit ofcourse is not by a bailiff, those only come via a court after you lose a case

a DCA is NOT a BAILIFF

and have 

ZERO legal powers on ANY debt, no matter what it's type.

 

if they do appear film them on your phone, do NOT engage simply say leaver my property and never rtuen else i'll call police 101

 

dx

 

[dx100uk]

none...

[dx100uk]

53 minutes ago, gtn said:

I'll need to reassure my wife who is fearful of door stepping and/or further recovery actions.

 

Any advice on potential follow up from the DCA's and how to manage it greatly appreciated.

 

a DCA is NOT A BAILIFF

and have 

ZERO legal powers on ANY debt - no matter what it's type. regardless to a CCJ existing or not.

 

1. a ccj does not expire.

2. there is.

3. never were .

4. most probably

5. once a court claim is issued the SB clock stops unless the claim is latterly disontinued.

 

as these CCJ's were never attained by the current DCA's debt owner, i doubt very much ANY paperwork now exists.

stop payments , if you are aware of who the current owner is AND you have moved and never informed them of your correct and current address IN WRITING do so to each one.

 

let see where they go.

 

dx

 

 

 

 

[dx100uk]

yes by royal mail just use their debt ref number.

state nothing else..other than please note my correct address as above re our mutual business.

 

you must NEVER run from debt

always inform debt owners of your correct and current address if you last used/paid a source of credit in say the last 7 years, else you risk backdoor CCJ's

 

dx

 

[dx100uk]

2 hours ago, dx100uk said:

yes by royal mail just use their debt ref number.

state nothing else..other than please note my correct address as above re our mutual business.

 

you must NEVER run from debt

always inform debt owners of your correct and current address if you last used/paid a source of credit in say the last 7 years, else you risk backdoor CCJ's

 

dx

 

 

[dx100uk]

it doesn't matter who the claimant was really for a CCJ's of this age.

 

as for this arrows one, it might well be the only one to possibly keep paying on, but i'd certainly drop the OD one whereby the OC got the CCJ and a DCA bought the debt.

 

[dx100uk]

I question your wisdom on paying the od ccj esp to a debt buyer.r

 

for an od for that period i bet the original sum would have undoubtedly been 90% unlawful penalty fees that if were questioned at the time could well have been removed.

 

pers i would not be paying it, if they wish to try and enforce payment, that would give you cause to have rhe sum reinvestigated. Might pay you to sar the original creditor if you dont have every statement from day one now in preparation if the dca does try anything.

 

Dx

[dx100uk]

1.yes

2.yes

3.let it run

 

you never did list the full debt info.

so how many CCJ's exist?
you said 2

1 od

1 hsbc CC

 

this is another

OC/claimant was YB, debt latterly sold to the cabot group.

whats the debt type?

 

 

[dx100uk]

you are getting a wee bit confused here.

a rest k (which can be called a charging order) cant be obtained without a CCJ being awarded first.

 

all 5 rest k's are now dead. gone parrot, even the fact they existed means nothing going fwd. neither does the orders for sale.

so it makes all your 7 CCJ's the same now, just outstanding CCJ's.

 

2 you are paying. which 2 from your list.

 

as for number 7 yes let it run do nowt.

 

[dx100uk]

only time is the ultimate healer here.

which is why i say see where each one goes, and what sort of willy waving they wish to do.

 

the bottom line is paying or not, paid or not, a CCJ is removed from public record after 6yrs regardless.

 

they cant become statute barred, however the longer one exists without payment, the more difficult it becomes to enforce it, esp after 6yrs.

 

and as most have already been enforced by useless restriction k's.......pigs might fly.

[dx100uk]

Can't hurt, yes to all of them 

 

Dx

[dx100uk]

well how are things...

 

did you stop paying everyone.

 

just as a side note as i've a little side project going on.

how much money (debt) got wiped out in total.??

[dx100uk]

you need to be writing to each simply informing them of your correct and current address

never run from debt.

 

as for the resolvecall visit well done.

 

dx

 

[dx100uk]

then why are letters being redirected that arrived at your old address?

[dx100uk]

excellent update.

 

dx