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Hi Niddy,
Hope you're well.
Just wanted to let you know how things were going and something that I've just discovered.
On your advice I withdrew my defence against Optima and let them get the CCJ against me.
I applied to the court to ask them to help me set up a manageable amount to pay each month. I have a redetermination hearing on the 27th April.
Optima also in the meantime went for an interim charging order on the house. I didn't even know that they had - I just received a letter one day from the court saying that the interim charging order had been obtained on a date in March with a date again of the 27th April.
The order is for the value that's outstanding plus says they're going for the interest as well.
I was checking about this as I didn't think they could continue to add interest onto the amount on a credit card debt like that.
On the (supposed) reverse of the agreement that they sent me it says that:
"We will charge interest on a daily basis before any judgement"
Yet on the terms and conditions leaflet that were supposedly in force when I signed the agreement it says:
"We will charge interest on a daily basis both before and after any judgement"
Just a bit concerned about the apparent mismatch. Surely if they've insisted that the terms are on the back of the agreement I signed they can't then decide to go by the terms that they have included as a leaflet?
Also, on the national debtline site it says that if they intend to charge interest on the amount they have to include a specific statement on the default notice. There's definitely nothing on my default notice about charging interest after any judgement.
I know this is last minute again, but I was ready to accept what was going to happen on Wednesday lunchtime at the court, but now I've found that I'm really mad that they seem to be lying about the leaflet being the correct terms and conditions - it's almost as though they've made them up so that they can specifically add on the interest if they do take someone to court.
Any advice would be really appreciated.
Thanks,
P.
Hope you're well.
Just wanted to let you know how things were going and something that I've just discovered.
On your advice I withdrew my defence against Optima and let them get the CCJ against me.
I applied to the court to ask them to help me set up a manageable amount to pay each month. I have a redetermination hearing on the 27th April.
Optima also in the meantime went for an interim charging order on the house. I didn't even know that they had - I just received a letter one day from the court saying that the interim charging order had been obtained on a date in March with a date again of the 27th April.
The order is for the value that's outstanding plus says they're going for the interest as well.
I was checking about this as I didn't think they could continue to add interest onto the amount on a credit card debt like that.
On the (supposed) reverse of the agreement that they sent me it says that:
"We will charge interest on a daily basis before any judgement"
Yet on the terms and conditions leaflet that were supposedly in force when I signed the agreement it says:
"We will charge interest on a daily basis both before and after any judgement"
Just a bit concerned about the apparent mismatch. Surely if they've insisted that the terms are on the back of the agreement I signed they can't then decide to go by the terms that they have included as a leaflet?
Also, on the national debtline site it says that if they intend to charge interest on the amount they have to include a specific statement on the default notice. There's definitely nothing on my default notice about charging interest after any judgement.
I know this is last minute again, but I was ready to accept what was going to happen on Wednesday lunchtime at the court, but now I've found that I'm really mad that they seem to be lying about the leaflet being the correct terms and conditions - it's almost as though they've made them up so that they can specifically add on the interest if they do take someone to court.
Any advice would be really appreciated.
Thanks,
P.
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