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movin on
Average Member
United Kingdom
946 Posts |
 Posted - 02 October 2008 : 11:56:47
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I received a nasty letter from M&S today so i called to let them know i am going BR and what date my appointment is.
Just before putting the phone down he asked me if i was still a homeowner and i asked why he wanted to know - he made up some ridiculous story about me struggling then he can give me a number for advice on mortgage arrears. i told him this had nothing to do with my loan and made it clear that i do not pay the mortgage and it was only my debts that were causing problems.
Has anyone else had this from crediors and it sounds like they are going to try and put a charge on the house ???????????
Jenny
xx
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 02 October 2008 : 12:01:56
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Also....how long does it take to put a charge on the house ??
Im very worried now
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 02 October 2008 : 12:17:20
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Hi Jenny ,
Dont worry , there is not enough time for them to put anything on your house . From what i understand they have to give you notice of default and give you time to pay , then it goes to a court who then give you time to reply to them ( think 21 days but dont quote on that ) , so as you se no time at all .
Hope this helps ,
Andy .
1 more day to go for us --- BR tomorrow !!! |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 02 October 2008 : 12:30:00
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Hi Andy
Thanks for the reply - so how you feeling for the big day?
Im very worried and ashamed that i cannot afford to pay back, however feeling quite relieved that it is all going to be over soon. i am sure this time tomorrow you will both feel a little lighter!!
I didnt realise there was a process they had to go through first - i thought they could just apply (and seen as im going BR on 13, then there really isnt time - i hope)
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 02 October 2008 : 12:31:55
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Hi MW
I would not worry it can take a few weeks to get a charge in place.
They dont have the time now as its only 11 days.
Good luck to you and keep posting.
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 02 October 2008 : 12:34:32
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Hi Jo
Thanks very much - i really thought it was an immediate thing.....big sigh of relief......
I think i just had a massive panic for no reason, but yet again there is always someone here to turn to
Thanks again
Jen
xx
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 02 October 2008 : 13:02:33
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hi ya MW
I am so glad that your starting to get there. It will all come good in the end. Honestly and just ask away.
LoL
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Marks & Spencer - What are they up to !!!
