I've just been reading the information about how Charging Orders are going to be easier to get after a CCJ is awarded and wondered if someone could confirm that if your house is owned or mortgaged jointly, but the debt is only in the name of one person, a charging order cant be awarded, only a Restriction?...

Hi Niddy
Is there somewhere on site that I can read regarding the above as I am sure its covered.It does appear to give the OC a bigger stick to hit us with!
Greymatter

Lenders given fast-track to switch your unpaid credit card debt on to your property

This is a duplicate of the Blog Entry made on 4th October 2012 18:59.

t has become easier for credit card companies and personal lenders to recover debts from the proceeds of the house sales...

Just reading about Marlin. Interesting. Have just had one of my debts sold by MBNA to Marlin. Has a CO and CCJ in place with MBNA named. Be interested to know does the CO and CCJ transfer when assigned or am I likely to be off to court shortly looking at what they seem to be like.

Would...

Hi everyone, just joined this site and looking round to get a feel for it and for the first time in many years I feel I have hope. I am 62yrs of age and since the end of 1999 after developing a heart condition that forced me to resign from a very stressful job as a senior social worker in child protection...

Once a charge is on the house can a CCA request still be sent or is it pointless ?
can a charge be challenged or is it just final ?

Hi,

I have a debt of 3k with Littlewoods. I was struggling to pay the monthly payments as I can't work over the last 2 years due to a health condition. I have 3 children, and all the expense that comes with that, so I offered them monthly payments that I could afford but never got anywhere....

Nice to see that finally debtors will have some protection when fighting charging orders...although these changes may have come pretty late for some.......so not sure if this is good news or not as it does say that a charging order may be made even though there has been NO default in payment BUT......it...

Hi I have been reading the unenforcable threads and have decided to go down this route as I'm going to be dead and still owing money to my creditors .usual story started off good then ending up with depression (not using this as an excuse) but when I spent I felt a little bit better ,I have nothing...

I have recently asked for a report on experian and was amazed to find a CCJ which i knew nothing about. The strange thing is that it was a joint judgement as it was a joint debt with my partner and it does not appear on my partners report which was requested at the same time. I am also sure that during...

Hello. Having been reading all about this site, (which was recommended to me from Martin Lewis Forum) and various threads regarding debt matters I have summed up the courage to post this thread. I have to say though the more information I have been reading the more I am confused as to what route to...

Appeal Transcript:...

sorry if in wrong place, but couldnt find where to put this question

a few of the DCAs that contact me often state that if we don't continue paying our reduced payments we MAY be taken to court (not happened yet)
If a CCj is awarded, they may apply for a charging order on the house...

Hi

can any one help with finding this case and its relevence to charging order sought by Creditor

Cut a long story short

had a forthwith order september 2010, made application for a variation to the order .
Novemebr 2010 had a reddeterminaton hearing (creditor...

Hi all, just thought i would get peoples opinions on being a home owner (ie: mortgaged) whilst on the UE route.

Has anyone experience here of this? Do the dca's come after you harder knowing they could go for a charging order even without an agreement. ( I know that they need...