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A & L going for a charging order

melie3
melie3 Posts: 340 Forumite
in Debt-free wannabe
hi all,
i am well and truly up poo creak without a paddle aint i?

i have an alliance and leicester loan, which ive only been paying token payment to for just under a yr, due to over committment, mortgage arrears. jut struggling with 3 kids, and all the day to day living bills.
well they have said they want me to start paying £70 p/m or they are getting a charging order. now i dont know what to do. should i get my CCA from them, im not disputing the debt, i owe them the money, just never did a CCA request for them. ive read a bit about charging orders, and i think ive got gist, that they have to seek a CCJ first???
advice greatly appreciated thanks

Comments

  • 10past6
    10past6 Posts: 4,962 Forumite
    melie3 wrote: »
    should i get my CCA from them[/quote
    Yes, do it today!!!
    melie3 wrote: »
    they have to seek a CCJ first???
    Once legal action has commenced, if they refuse your initial offer, a CCJ is awarded by default.
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • melie3
    melie3 Posts: 340 Forumite
    10past6 wrote: »
    melie3 wrote: »
    should i get my CCA from them[/quote
    Yes, do it today!!!


    Once legal action has commenced, if they refuse your initial offer, a CCJ is awarded by default.
    thanks 10past6, ive done the CCA requests for my debt collectors but didnt know if you can with the OC.
  • 10past6
    10past6 Posts: 4,962 Forumite
    melie3 wrote: »
    10past6 wrote: »
    thanks 10past6, ive done the CCA requests for my debt collectors but didnt know if you can with the OC.
    Send your CCA to the companies you are paying NOW, if they are a DCA send it to them, only send to the OC if you're paying that OC direct.
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
This discussion has been closed.
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