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My Debt Experience - Learn from my pain

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  • #121
    Re: My Debt Experience - Learn from my pain

    Mate then do that, stop payments and try and save as much as you can for F&F - worth a try, surely...?

    They won't jump in with legal action straight away, especially if every so often (ie upon nasty threats) you pay £20 or summat.....

    Sure we can work something out..
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    • #122
      Re: My Debt Experience - Learn from my pain

      Originally posted by SaltnVinegar View Post
      I'm not sure, thats why I'm asking for sensible heads

      I am thinking that it would normally take many months to get to a CO point, so I was going to put aside the DMP payments I am making as a 'slush fund'

      I thought that after a few months I may be able to put in F&F offers @ 10/20% of the debts.

      Or, alternatively, if things did get as far as court, then I would (hopefully) have enough money to pay to avoid a CCJ or CO.

      Trouble is that on occasion DMP payment has almost come before the mortgage as things have been so tight, which I know is wrong. All of my creditors have now received way more than was ever borrowed initially, and in the case of Lowell and the Shop Direct debts, the amounts were almost doubled through interest and charges.
      Hi SNV,
      Vitually same as you paid dmp 4 years then decided UE route,
      once Niddy had seen ccas started to pay enforceable ones token payments and UE well you can guess what they get. I have had 1 take me to court (it was enforceable) affordable payment set 15 years to clear that 1 so go for it I know the enforceable ones will be a problem later but who cares I live for the present some of the enforceable ones write and ask for more I just ignore and contiue to pay what I pay all interest has been stopped.
      ps I have been to court for a C/O but the DJ refused as long as we keep up the payments on CCJ, also when threatened with C/O and usual crap from creditors/ dcas if it is me or other half not joint, I write and tell them they will only get a restriction and thats a waste of money.
      Last edited by helmsman; 14 July 2012, 18:19.

      Comment

      • #123
        Re: My Debt Experience - Learn from my pain

        Originally posted by helmsman View Post

        Hi SNV,
        Vitually same as you paid dmp 4 years then decided UE route,
        once Niddy had seen ccas started to pay enforceable ones token payments and UE well you can guess what they get. I have had 1 take me to court (it was enforceable) affordable payment set 15 years to clear that 1 so go for it I know the enforceable ones will be a problem later but who cares I live for the present some of the enforceable ones write and ask for more I just ignore and contiue to pay what I pay all interest has been stopped.
        ps I have been to court for a C/O but the DJ refused as long as we keep up the payments on CCJ, also when threatened with C/O and usual crap from creditors/ dcas if it is me or other half not joint, I write and tell them they will only get a restriction and thats a waste of money.

        you had an understanding judge the one we saw granted a charge for £5600 which was a credit card, hopefully all of our debts will come back UE i refuse to speak negative
        _______________________________________



        Comment

        • #124
          Re: My Debt Experience - Learn from my pain

          Are the debts joint or individual names?

          Niddy, is it correct that COs aren't worth the paper they're written on if the house is in joint names but the debts individual names?

          Comment

          • #125
            Re: My Debt Experience - Learn from my pain

            Originally posted by Drowning Not Waving View Post
            Are the debts joint or individual names?

            Niddy, is it correct that COs aren't worth the paper they're written on if the house is in joint names but the debts individual names?
            Not sure if your question is aimed at me ,but i will answer anyway

            the credit card which is now a charge on the house is in my husbands name only, the mortgage is in joint names .
            _______________________________________



            Comment

            • #126
              Re: My Debt Experience - Learn from my pain

              Originally posted by Never-In-Doubt View Post
              Mate then do that, stop payments and try and save as much as you can for F&F - worth a try, surely...?

              They won't jump in with legal action straight away, especially if every so often (ie upon nasty threats) you pay £20 or summat.....

              Sure we can work something out..
              Thats what I was thinking, just wanted to make sure there were no other risks I hadn't thought about.

              I'll start keeping a diary on what happens, as its likely things will get a little nasty but I can deal with the threat-o-grams!

              Best
              SnV
              "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

              The consumer is that sleeping giant.!!


              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

              • #127
                Re: My Debt Experience - Learn from my pain

                Originally posted by helmsman View Post

                Hi SNV,
                Vitually same as you paid dmp 4 years then decided UE route,
                once Niddy had seen ccas started to pay enforceable ones token payments and UE well you can guess what they get. I have had 1 take me to court (it was enforceable) affordable payment set 15 years to clear that 1 so go for it I know the enforceable ones will be a problem later but who cares I live for the present some of the enforceable ones write and ask for more I just ignore and contiue to pay what I pay all interest has been stopped.
                ps I have been to court for a C/O but the DJ refused as long as we keep up the payments on CCJ, also when threatened with C/O and usual crap from creditors/ dcas if it is me or other half not joint, I write and tell them they will only get a restriction and thats a waste of money.
                Thanks Helmsman

                I hoping that by the time that things even got that far I would be making F&F offers anyway. None of the debts are joint debts (with the exception of the mortgage) so they would only get a restriction not a full CO as far as I'm aware.

                Best
                SnV
                "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                The consumer is that sleeping giant.!!


                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment

                • #128
                  Re: My Debt Experience - Learn from my pain

                  Originally posted by Spent2much View Post
                  you had an understanding judge the one we saw granted a charge for £5600 which was a credit card, hopefully all of our debts will come back UE i refuse to speak negative
                  Sorry to hear that! I know thats a risk, but I'm hoping that I can head things off before it gets to that point.

                  Best
                  SnV
                  "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                  The consumer is that sleeping giant.!!


                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #129
                    Re: My Debt Experience - Learn from my pain

                    Originally posted by Drowning Not Waving View Post
                    Are the debts joint or individual names?

                    Niddy, is it correct that COs aren't worth the paper they're written on if the house is in joint names but the debts individual names?
                    All the debts are individual names, they were never taken jointly.
                    "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                    The consumer is that sleeping giant.!!


                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #130
                      Re: My Debt Experience - Learn from my pain

                      Originally posted by SaltnVinegar View Post
                      Sorry to hear that! I know thats a risk, but I'm hoping that I can head things off before it gets to that point.

                      Best
                      SnV
                      you will too , when this happened to us we never had any support , but now we have this forum and freinds who help we will avoid as best we can, the sad thing is , that we sent off for a CCA request from eversheds and we wrote the wrong account number on the letter , so they went for the charge and got it, but thinking now that account was still in dispute .
                      Last edited by Spent2much; 15 July 2012, 08:24.
                      _______________________________________



                      Comment

                      • #131
                        Re: My Debt Experience - Learn from my pain

                        Originally posted by Drowning Not Waving View Post
                        Are the debts joint or individual names?

                        Niddy, is it correct that COs aren't worth the paper they're written on if the house is in joint names but the debts individual names?
                        HI,
                        I know you asked Niddy but the answer as by what I have read yes they are worth something, but a solicitor that knows about these restrictions means you can sell your house get the money then tell who ever has the restriction you have sold it. The problem is finding a solicitor that understands.

                        Comment

                        • #132
                          Re: My Debt Experience - Learn from my pain

                          Originally posted by Spent2much View Post
                          Not sure if your question is aimed at me ,but i will answer anyway

                          the credit card which is now a charge on the house is in my husbands name only, the mortgage is in joint names .
                          It should just be a restriction

                          Comment

                          • #133
                            Re: My Debt Experience - Learn from my pain

                            Originally posted by helmsman View Post
                            It should just be a restriction
                            thats good then, i am confident that when we find out which of our debts UE (all of them in faith) then we are going to concetrate on saving a bit back it may be a little but the business has picked up now so this is our aim and then offer fairfax/evershods full and final to get rid
                            _______________________________________



                            Comment

                            • #134
                              Re: My Debt Experience - Learn from my pain

                              You may all be interested in the following article in relation to charging orders/restrictions......

                              Best
                              SnV
                              Attached Files
                              "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                              The consumer is that sleeping giant.!!


                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

                              • #135
                                Re: My Debt Experience - Learn from my pain

                                Originally posted by SaltnVinegar View Post
                                You may all be interested in the following article in relation to charging orders/restrictions......

                                Best
                                SnV

                                so its useless the one they have on our property as it a joint mortgage and the debt is only my husbands.
                                If i'm reading it right then there is nothing to worry about
                                _______________________________________



                                Comment

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