in2deep's UE Diary

[billypre]

Re: in2deep's UE Diary

Hiya

You could have 20 CCJ's - but if you had nil disposable income they'd all get £0......

gh

On a pro-rata basis of course nah


Brilliant result on the above 2 accounts in2deep, well chuffed for you.

[Never-In-Doubt]

Re: in2deep's UE Diary

On a pro-rata basis of course nah

[Never-In-Doubt]

Re: in2deep's UE Diary

hi guys
got my court order this morning re mbna i must pay claimant full amount forthwith. do i make a offer to optima (mbna) or do i need to go via court? thanks

ermmm? fancy linking me to some history here? what court papers from MBNA?

[Deepie]

Re: in2deep's UE Diary

Sorry, just surprised to see that!

Ok, now that changes things - I would honestly reconsider this and seriously think about making an offer of repayment to avoid the possibility of a charging order being made. The thing is, a CO does not do exactly what some people make it out to do! It's basically a second charge that comes in line after all other charges that have been registered meaning IF and WHEN you are ready to sell the property, once all other charges have been repaid, they would then take their claim from any left over proceeds.

So if you have a house worth £100k, have an £80k mortgage and a £20k secured loan - if you sold up then you'd repay the mortgage and the loan, meaning the CCJ/CO creditor would get bugger all because their charge was last and there were no funds to repay - in such a case the CO is worthless.

Hope that explains a little bit for you - also bear in mind they need a CCJ before a CO can be granted ;-)

sorry niddy just think you rembered but you see hundreds of posts everyday

[Deepie]

Re: in2deep's UE Diary

Ok can you confirm what you received today? if possible please scan and email me.... I need a copy of the N1 (claim form) and POC (Particulars of Claim) if possible please....

hi niddy
just sent them again to your new email did not see that it had changed

[Never-In-Doubt]

Re: in2deep's UE Diary

ok niddy
sent you mrs in 2 deeps claim form /deafault notice /cca there was no termination notice
thanks

Hiya, unfortunately this is sound! Not much we can do with the one you sent, worth checking but it does actually comply - check for yourself here: ---> UPDATED - Defaults, The Law & Removal

[Deepie]

Re: in2deep's UE Diary

Hiya, unfortunately this is sound! Not much we can do with the one you sent, worth checking but it does actually comply - check for yourself here: ---> UPDATED - Defaults, The Law & Removal

thanks for looking
whats my next step, do i just sit tigth or make an offer. thanks

[Never-In-Doubt]

Re: in2deep's UE Diary

thanks for looking
whats my next step, do i just sit tigth or make an offer. thanks

Have they not been in touch yet? if not then sit tight til they do......

[Never-In-Doubt]

Re: in2deep's UE Diary

ok niddy
sent you mrs in 2 deeps claim form /deafault notice /cca there was no termination notice
thanks

Hiya

If this is the £12k loan from HBOS - the friggin DN is invalid lol so this is good news for you, they gave you only 9 days to remedy the breach! Ahhh shame, they must have forgotten that it changed from 7 days to 14 days eh?

For the record, things changed 2 years earlier in 2006 - see this: ---> http://forums.all-about-debt.co.uk/s...41&postcount=5

Has this been CCJ'd? I now need you to list in date order, everything that has happened with this account so we can sort it and get the ccj/default/debt wiped.

[Deepie]

Re: in2deep's UE Diary

Hiya

If this is the £12k loan from HBOS - the friggin DN is invalid lol so this is good news for you, they gave you only 9 days to remedy the breach! Ahhh shame, they must have forgotten that it changed from 7 days to 14 days eh?

For the record, things changed 2 years earlier in 2006 - see this: ---> http://forums.all-about-debt.co.uk/s...41&postcount=5

Has this been CCJ'd? I now need you to list in date order, everything that has happened with this account so we can sort it and get the ccj/default/debt wiped.

thanks niddy for the news
HBOS loan taken out June 2007
stopped paying 6th Nov 2008
Default notice 20th Dec 2008
Have been on a repayment arrangement ever since with HBOS this has not been ccj d. They are happy with the repayments. I did miss 1st Jan payment got phone call they said if i pay next mounth there would be no further action.
thanks

[Never-In-Doubt]

Re: in2deep's UE Diary

thanks niddy for the news
HBOS loan taken out June 2007
stopped paying 6th Nov 2008
Default notice 20th Dec 2008
Have been on a repayment arrangement ever since with HBOS this has not been ccj d. They are happy with the repayments. I did miss 1st Jan payment got phone call they said if i pay next mounth there would be no further action.
thanks

I would probably continue repaying it being you've done so for over 2 years now.......

[Deepie]

Re: in2deep's UE Diary

I would probably continue repaying it being you've done so for over 2 years now.......

thanks for replay
if i did stop paying and it went to court could they do anything if the DN is invalid

[Never-In-Doubt]

Re: in2deep's UE Diary

thanks for replay
if i did stop paying and it went to court could they do anything if the DN is invalid

Well if the DN is invalid they could not obtain judgment cos you'd be using the fact the default was defective as part of any defence meaning no judgment can be obtained.

[Deepie]

Re: in2deep's UE Diary

Hiya

If this is the £12k loan from HBOS - the friggin DN is invalid lol so this is good news for you, they gave you only 9 days to remedy the breach! Ahhh shame, they must have forgotten that it changed from 7 days to 14 days eh?

For the record, things changed 2 years earlier in 2006 - see this: ---> http://forums.all-about-debt.co.uk/s...41&postcount=5

Has this been CCJ'd? I now need you to list in date order, everything that has happened with this account so we can sort it and get the ccj/default/debt wiped.

do i need to write to them or just stop paying ?

[Never-In-Doubt]

Re: in2deep's UE Diary

do i need to write to them or just stop paying ?

Neither! I thought above I suggested you continue with what you're doing, being you've been paying for the last 2 years anyway.....

Why would you now run the risk of trouble if previously you were happy paying? Bear in mind it is enforceable isn't it?