HFC/TBI and charging orders- please help!

Well, from a moral standpoint, you have long since paid them off. They cant just keep chasing you for years until you die, that's ridiculous.

Its up to you, but after so long and so many payments, I would simply stop paying them and let them take me to court. When in court, I would tell them what you have told us. Its just obscene to be honest, I cant believe they think they can just keep up with this forever.

Hi - I was in a similar situation with HFC/TBI a few years ago. Was paying £20 pm, they wanted more, I offered £40 but it wasn't good enough so they went for a CCJ and were demanding a higher amount and a charging order on our house plus interest on the debt at 8% (as it was then).

I made my case in front of the Judge - incomings, outgoings and debt repayments - and can truly say that he was very considerate of my circumstances. He could see that the £20 I was paying was really all I could afford and chided TBI for refusing the £40 I offered. He then made the order for the original £20 pm. He threw out their charging order and the request for 8% interest.

Stick to your guns. If they don't like it, let them go for it. So long as you can pay it off by the time you retire (which is what the Judge said to me) it will be over and done with and they cannot come back at you again (so long as you keep up the payments).

Hope this helps and I wish you luck.

Stella xx