Hello All,
it's been a while since I used this site but I have a little issues I need you help with. Back in 2005 I took out an unsecured personal loan with Norther Rock, in 2006 I got in diffulties with the payments and NR took me to court and got a ccj.
Wallers Solicitors in Newcastle...

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...

I have ~3k debt on a restriction. We'd like to change mortgage to a different provider, and they are saying they cannot with the restriction in place...
(crazy that a 3.4k+ debt can stop a remortgage on a 280k house!)

What amount do you think i will need to remove it? - the original...

Didn't know where to post this , but my husband asked me to post this .

I'm suffering severe anxiety panic phobias and agoraphobia , i am receiving treatment and therapy from professionals.

This CCJ in my name is being paid back at £3.89 a month , yeah i know it isn't a lot...

I have a charging order from 2013, for 3.5k..
The final charging order from the court states:-

The interest of the judgement debtor Mr xxxx in the asset described in the schedule below stand charged with payment of the sum of £3xxxx. the amount now owing under a judgement or order...

Now I know this is a problem that has been posted before, but I thought I would rant on a little more on the subject.

Our property is jointly owned, but I have a charging restriction for a credit card debt. We are finally getting a few viewers to see our house, and I thought that it was...

Hi I have a CCJ and BW legal have an interim charging order. I have a payment plan by direct debit but now I have been summoned for a final charging order. The debt is only in my name but the house and mortgage are in joint names

Looks like I did 38mph in a 30 zone last week. Police want driver details not sure of the fine yet but could be 3 points and 60 quid. I'm hoping it's a speed awareness course though! Sneaky copper was hidden with a gun.

Just got the chance to getting back on my feetMy ex wife and i own a property with a 5 acre field, I have fought tooth and nail against all of my creditors for nearly 8 year to hold on to it in the hope to eventually gain planning permission
I have now got a very strong indication it will get...

Ok, I am hoping some of the clever people on here will be able to give me some guidance on this!

In 2000, I was starting a new job and with a lower salary for the first 2 years was struggling. My bank (Lloyds) offered me two things, a loan of £4000 and a credit card with a limit of £3000...

How useful is it to offer a voluntary charge on your property while trying to make an offer pre court, especially when in actual fact it will only be a Restriction (single debt, joint owners)?
Is it wise to do this?
Can it help with negotiating a lower amount owed?

Does anyone...

Hi guys,


Me and my partner have had a mortgage in principle agreed, but I just have one sticking point at the moment basically the finance agreement for my car is in my dads name and he wants it transferred to me before I leave the area, so basically I just wanted to see what the...

Hi all. In the past my OH has not been in a position to get a mortgage. My mortgage is in my name only. I am in a lot of debt and although I have managed to stave off debt collection with the help of this site, I always worry about the possibility of charges on the property. My OH has recently changed...

Hi everyone,

I'm putting together a studio audience for a live Channel 5 TV discussion about the state of personal debt in the UK.

I'd love to hear from anyone who's got anything to say about any type of debt.
The studio audience will be comprised of people who have past...

I read an interesting link somewhere which I can't find but am hoping somebody may know about it. In essence the lawyer/writer was saying that there are different types of charges that can be placed onto a property and the wording of the charge is crucial. With one type of charge the creditor automatically...