Attachment order (Scotland)

Binky_2

Hi all,
This is my first post so please be patient:-
In March 2007 I was taken to court by a Solicitors working on behalf of a Debt collector, (£900 ) they obtained a C.C.J. against me and I agreed with their Lawyer to pay £30.00 per Month in the meantime they took out a Inhibition against my home.
I paid the £30 for 7 Months and stopped because a Local Council debt advisor HINTED!!!! that I was wasting my time (he said he couldn't advise me to stop payments) but I got the hint. (I couldn't afford it anyway)
MY Debt Advisor say's the inhibition was way over the top for such a small amount of money.
I never heard a thing until October 2010 when their Solicitor sent me a letter threatening further action, I again asked my debt advisor who said they were just "fishing" to see my reaction and not to respond.
Today I came back home and there was a hand delivered letter from Sheriff Officers "charge for payment of money" and the amount now including fees is £1100 that's after my £210 payments is taken off.
They warned that future action could be an Attachment order.

1. What happens now?
2. What do I do?
Any help or advise would be very much appreciated.

Binky2

niccatw

My understanding is that if it is a CCJ then you do have to pay it back (even if it might have been excessive for the amount).

But was a CCJ issued by a judge or did you agree amount with the solicistor outwith that procedure? If you have a CCJ against you, it'll show up on your credit file, so check that.

But if it is a CCJ then my understanding is that interest cannot be added.

I'd perhaps double check the legalities with one of the debt-charities and not necessarily rely on the advice of debt advisor alone (just in case).

Personally I'd get in touch with my local Citizen's Advice, but you can also check CCCS and National Debtline.

Sorry I can't be more concret in my answer and I hope you can sort it out soon.

PS Welcome to the forums

PNPSUKNET

I would worry about the sheriffs letter, its like our cab they wont tell you all the time whats right. If the money was owed they will want it