This is a great forum, and I need just a little clarification on CCJs with Charging Orders, which I cannot see elsewhere.
A few years ago the recession made a hole in my life and I ended up in thin air without any money. Having a couple of credit cards I took on more 'easy finance' to pay for necessities and had not means of paying. Naively I did not ask for CCA etc, but was eventually taken to court, fluffed it and a CCJ was awarded. Having no money to pay even a nominal amount per month, the judge, at the hearing, asked the claimant to put a Charging Order through. The judge did explain what a CO was and that it would be unlikely that a sale would be forced. I did not challenge as I expected to be able to find my feet again and satisfy the CO.
So I have a CCJ with a CO and I am not making any payments. Over the years, the legal torturers (solicitors) for the creditor have been sending threats of bankruptcy, forced sale etc.
Recently, the debt was sold on. They have sent 3 letters 1) announcing the new assignment, 2) threatening if I don't pay what I should be paying (a £0 was agreed in court - hence CO), 3) offering a once only opportunity to settle with a full and final settlement, or start a payment plan - ending with a threat if I don't.
Although the debt was on Noddle,it appears to have been removed. There is no CCJ reported, and never has been, but the CO have been recorded at the Land Registry, although I am not sure if it is only a restriction, as the house if jointly owned.
I hope to be able to see a time in the future where I can settle, but not just now. So for the moment I am incommunicado.
So the query is - what is the likely next step? Can the new creditor enforce any payment or sale order?
A few years ago the recession made a hole in my life and I ended up in thin air without any money. Having a couple of credit cards I took on more 'easy finance' to pay for necessities and had not means of paying. Naively I did not ask for CCA etc, but was eventually taken to court, fluffed it and a CCJ was awarded. Having no money to pay even a nominal amount per month, the judge, at the hearing, asked the claimant to put a Charging Order through. The judge did explain what a CO was and that it would be unlikely that a sale would be forced. I did not challenge as I expected to be able to find my feet again and satisfy the CO.
So I have a CCJ with a CO and I am not making any payments. Over the years, the legal torturers (solicitors) for the creditor have been sending threats of bankruptcy, forced sale etc.
Recently, the debt was sold on. They have sent 3 letters 1) announcing the new assignment, 2) threatening if I don't pay what I should be paying (a £0 was agreed in court - hence CO), 3) offering a once only opportunity to settle with a full and final settlement, or start a payment plan - ending with a threat if I don't.
Although the debt was on Noddle,it appears to have been removed. There is no CCJ reported, and never has been, but the CO have been recorded at the Land Registry, although I am not sure if it is only a restriction, as the house if jointly owned.
I hope to be able to see a time in the future where I can settle, but not just now. So for the moment I am incommunicado.
So the query is - what is the likely next step? Can the new creditor enforce any payment or sale order?
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