CCJ Received - Are they having a laugh??

peachyprice

Reevesie76 wrote: »

Yes we do own our house peachy. Thats the one thing I am worried about, any of the creditors getting a charging order.

Call my cynical, but that could be why they've made the payments so high knowing you'd probably default :rolleyes:

tigerfeet2006

davetheman wrote: »

I was also thinking of asking for a copy of my CCA to delay things

Dave what sort of letters have you had at the present?

davetheman

Had a couple from RMA who have taken my debt over from MBNA, so far only asking for payment

penguin83

Hi Reevsie - I would almost definately say that your bankruptcy date will come well before the redetermination date - esp if the case is currently at the CCBC in Northampton as there will be a small delay while the case is transferred - the first available date for a redetermination hearing is unlikely to be before March because the lists are so full.

The courts will have set the repayment high because the expenses that we can allow are very strict so even if one of the debt charities have prepared a budget for you we wont be able to include a lot of it unfortunately.

Hope all goes well for you on the 9th x x

tigerfeet2006

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Had a couple from RMA who have taken my debt over from MBNA, so far only asking for payment



Then I probably wouldn't waste my energy as you have a court date for bankruptcy.

I would just keep my head down and ride it out till you petition. If they up the ante and start court action then get back to us.

Concentrate on filling your forms in and getting your fees together.

davetheman

Thanks, I am justing ignoring the calls, some are getting me at work which is a pain

Forms are about 50% done online, I am waiting for my experian report to get the dates for my credit

Reevesie76

peachyprice wrote: »

Call my cynical, but that could be why they've made the payments so high knowing you'd probably default :rolleyes:

How sneaky is that, fingers crossed we can stump them and supply our BR number, that will shut them up!!

penguin83 wrote: »

Hi Reevsie - I would almost definately say that your bankruptcy date will come well before the redetermination date - esp if the case is currently at the CCBC in Northampton as there will be a small delay while the case is transferred - the first available date for a redetermination hearing is unlikely to be before March because the lists are so full.

The courts will have set the repayment high because the expenses that we can allow are very strict so even if one of the debt charities have prepared a budget for you we wont be able to include a lot of it unfortunately.

Hope all goes well for you on the 9th x x

Thats good to know. To be honest we haven't included hardly any expenses as we don't have the surplus for them, so I am hoping that what we have included will be allowed. I'll post a SOA nearer the time to make sure its all ok. We go away on Friday for two weeks so will see what is waiting for us when we get back.

fermi

penguin83 wrote: »

The courts will have set the repayment high because the expenses that we can allow are very strict so even if one of the debt charities have prepared a budget for you we wont be able to include a lot of it unfortunately.

I thought they were at about the same level, or at least not radically different. Explains a thing or two.

Still a bit harsh though (not your fault), considering that the amounts allowed by CCCS etc are already very strict.