HElP!!! CCJ and Property Charge

Suzee100

This site is brilliant; I am a newbie so am hoping someone may be able to give me some advice.

In 2005, I defaulted on an AMEX corporate charge card; AMEX wrote a number of times but to be honest I was going through some personal stufff and ignored them.

After some time, the debt got passed to Steven Drake Solicitors who requested a CCJ / Default Notice and within a very short space of time a charge came through from Steven Drakes to be applied on my home.

The charge included late fees and interest i'm assuming.

Since the charge I have been paying £1000 per year for the last 4 years; Steven Drakes have never offered a settlement but I want to know now how much of the charge they believe is remaining.

I also want to ask the court to review the CCJ as from reading posts on this site a charge card should not be under the CCA.

I also want to dispute how the amount of the charge has been calculated and the allocated time given to me by Steven Drakes to respond to the DN.

I am not sue of my rights but I know that I have paid most of this charge and its about time for it to be removed.

Any ideas on how I should go about this? Or am I being too optimistic

Sparklyfairy

I'm assuming you have a charging order? If so, how much was the total amount?

As for contesting the default notice - too late (also very hard to convince a dj to see any faults on dn's lately from what I've read anyway) - this could have been defended when you originally received the ccj paperwork. Also, a charge card (credit card? - not sure what the difference is) IS covered under a CCA but again, one judgement has been made via the ccj, its very hard to get it set aside...

However, you can ring the creditor & ask how much is still owed & send them a full & final offer (I'd start with 20-25% of the remaining monies due) and see what they say...they can only say no but you can always work your way up if you like. Once they accept make sure you get everything in writing, I know there is a great template someone on here has..but make sure it's stated that they inform the credit agencies, etc & it's a FINAL settlement, not partial as they like to do. Also make sure to follow up that they have informed the Land Registry that the charge has been paid. Hth & good luck!