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 I Have a Charging Order

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T O P I C    R E V I E W
MikeyM Posted - 24 February 2009 : 14:56:40
Hello, reading through the posts i wished i'd found the forum earlier.

I have recently had a charging order placed against my home, a creditor is chasing me for £4000 and i was paying this through my IVA company (CCCS) up until i moved into the property 12 months ago. I have numerous other creditors. This debt was passed on so payments stopped and i was never informed who it was sent to. CCCS advised me to sit tight and wait for the new company to contact me. In December, i had a letter from a company called TBI who advised that since i had not been in touch with them, they were going to press for a CCJ. I passed their details to CCCS, who duly advised they would arrange contact and payments. In January i had letters form TBI saying they would not accept payments and that they still intended to apply for CCJ (which they did) and also a charging order (which they now have as of yesterday). Thing is, CCCS have paid TBI for January and February.
Understandably, i am now worried this company will force me to sell me lovely new home, which given my circumstances took a lot of time and effort to secure. Please Advise.
5   L A T E S T    R E P L I E S    (Newest First)
MikeyM Posted - 02 March 2009 : 11:38:14
Hi Melanie,Just checked my last statement from CCCS. It is purely a DMP that i have entered into. Apologies
MikeyM Posted - 02 March 2009 : 10:07:41
just to add, have had a letter from TBI's solicitors today, explaining that the charging order has been secured and is inviting me to respond with proposals for repayment
MikeyM Posted - 02 March 2009 : 10:01:43
Thanks Melanie,
I have an IVA which i pay a set amount to the CCCS each month.
Melanie.n Posted - 24 February 2009 : 17:58:22
Hi there can you please clarify as i am a bit confused with your statement. Are you in an IVA? as you state or a DMP?

The answer has important implications as to the response i would give you

Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
Niobe Posted - 24 February 2009 : 16:31:24
Hi,

Don't know the answer I'm afraid,but just wanted to tell you that an expert will be along to give you some advice.

The glimmer gets brighter all the time

Jan
xx

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