Restons - Charging Order

[Never-In-Doubt]

Re: Restons - Charging Order

If they get a restriction put on the house does that show up as a CCJ? Really appreciate your help and reply to my thread

They'll issue a claim and IF you didn't defend it and IF they got judgment they'd have a ccj and they'd follow it straight up with a charging order.

However, you've found us so don't worry. Send the s.78 request off ASAP though. If there is no dca then send it to Restons (get proof of postage / signed for service).

[Never-In-Doubt]

Re: Restons - Charging Order

No they haven't. The letter states ' they are to issue proceedings and to apply to secure the debt against your interest in your property by way of a charging order'

Ok well don't worry. Have you ever sent a CCA request? If not send one ASAP. Like tmw - send to the dca aka whoever Restons call their client (or if none send to Restons direct) - and remember the £1 fee.

You must send it ASAP registered post as it will help us to help you stop getting a ccj if they issue a claim. Restons are bullies and will issue so the CCA request is urgent.

--> http://forums.all-about-debt.co.uk/s...l=1#post495038

[MellyJ]

Re: Restons - Charging Order

If they get a restriction put on the house does that show up as a CCJ? Really appreciate your help and reply to my thread

[MellyJ]

Re: Restons - Charging Order

No they haven't. The letter states ' they are to issue proceedings and to apply to secure the debt against your interest in your property by way of a charging order'

[Never-In-Doubt]

Re: Restons - Charging Order

Do they already have a CCJ against you?

???

[Never-In-Doubt]

Re: Restons - Charging Order

Do they already have a CCJ against you?

If it's a joint mortgage & a sole debt they cannot add a charge. They get a restriction instead. Basically means you have to pay before remortgage / house sale.

ps Hi & welcome to AAD

[MellyJ]

Hi, I have been paying Restons £25 a month for ages against a credit card debt of about £5,000. I have now received a letter saying that they are applying for a charging order, what should I do next, I had returned and I & E form to them and offered to increase my payments to £30. I have a joint mortgage and am retired so they can't ask for an earnings attachment. Any help would be much appreciated.