charging order

[GlobalC]

Re: charging order

I had to pop out earlier, but Andrew did contact me, hopefully I can get this sorted out tomorrow, think I need to just establish what the correct amount owed is first then get Andrew to speak with bank on my behalf. Hoping to get an idea of what to write in letter back to Ascent Legal so I can fire that off tomorrow. Thanks all for your advice

[Never-In-Doubt]

Re: charging order

I think he has been busy and not been able to have a proper look at it all yet.

Hmmm, he'll pop in soon and then clarify. I've just let him know you've replied.... sit tight for an hour

[GlobalC]

Re: charging order

I think he has been busy and not been able to have a proper look at it all yet.

[Never-In-Doubt]

Re: charging order

Speak to Andrew....!! I'm flabbergasted you're trying to do it alone!

I've asked him to come in and contact you.

[GlobalC]

Re: charging order

Hi Guys,

The time has come for me to respond to Ascent Legal. I haven't managed to get an action plan sorted with Andrew yet, so here is what I'm thinking of sending, bear in mind the amount stated that I owe is roughly 10x what I think it is!


Thank you for your letter dated 25th October. Firstly I would like toquestion this debt of £xxxxx.xx. I have no knowledge of owing a debt of thisamount. I would also like to point out that to date I have been paying towardsan overdraft facility from a failed business, which had left me with seriousfinancial problems. I have been on a Debt Management Plan with all my creditorsfor the last year and I have offered payments in line with money that isavailable. I have maintained payments to service this debt with NatWest and myoffer still stands and payments will be made.
I would like you to send me details of the account that you think I am indebtedtoo as this amount shown does not correspond with my paperwork.

What do you think?

[ATW]

Re: charging order

Got it. Thanks. Will have a look this afternoon.

[GlobalC]

Re: charging order

Did you send direct to Andrew?

our email system is playing up at the moment. We're trying to resolve it so mails/alerts/etc may not be delivered on time.

I sent them direct, having problems myself trying to scan documents right now wont scan full page does it in 2 pages with missing bits !!

[Never-In-Doubt]

Re: charging order

Did you send direct to Andrew?

our email system is playing up at the moment. We're trying to resolve it so mails/alerts/etc may not be delivered on time.

[GlobalC]

Re: charging order

It seems a tad heavy handed by them if you are already paying!! Why "no longer" accept. Whats made them change their mind?

Forwarded on relevant documents, They ( natwest ) just said that the offer was unacceptable for the amount outstanding and as such would seek to get a CO!

[ATW]

Re: charging order

It seems a tad heavy handed by them if you are already paying!! Why "no longer" accept. Whats made them change their mind?

[Never-In-Doubt]

Re: charging order

Hi Guys,

Hope everyone is keeping well. Unfortunately there has been further developments with regards to the above. I have received a letter today from Ascent Legal with regards to the business overdraft. The letter is headed with bold " Letter before Court Proceedings" basically saying I have 14 days to pay up or they will take me to court to get a charging order.

So what do I do now?

Brief summary of events,

I have maintained payments to service this debt for the last 6 months, which Natwest will no longer accept
I am on a self managed DMP


Any advice on how to respond greatly appreciated

Formally referred to Andrew - he will be in touch asap

Try and not worry too much about this, just see what Andrew says

[Never-In-Doubt]

Re: charging order

Hold fire - thought we were asking Andrew to come in and look? I'll remind him now

[GlobalC]

Re: charging order

Hey Guys,

Just wandering if anyone else has any words of wisdom before I send off a reply?

[PlanB]

Re: charging order

the ultimate goal for me with this is to avoid a CO so the longer I can keep all creditors at bay the better chance I will have to make FF payment offers but this is likely to be at least a year away.

That makes sense. Keep 'em talking to keep it out of court

[PlanB]

Re: charging order

Josie never got back to me to say whether there was anything that could be done, only that it looked good on the face of it.

There's always something which can be done As Elsa says wait until ATW takes a peek at your situation.