1st Credit: CCJ + Charges. CCA?? Help!!

ents

Sometime ago I got into financial difficulty and 1st credit acquired a debt in my name from Nat West.

I understand that 1st Credit pay approx 8p in the £ for acquiring debts (eg: they would pay £800 for a £10,000 debt but would still chase for £10k plus charges and interest!!)

They very swiftly managed to get a judgment and then a charging order over our property - including the exorbitant charges and interest over and above the original debt, which they paid peanuts for originally! i think this has been done illegally, and they are now threatening further action!

I understand that I can write to 1st Credit using a "CCA template" in order to obtain all of the original documentation and history, for the sum of £1?

Please can someone provide any help and guidance with doing this. Many thanks for your help in this matter.

PNPSUKNET

no what you require is a SAR, at a cost of £10. However once a ccj was issued / charging order CCA route will not work.

ents

Many thanks for the response. Once we issue a SAR letter to the creditor, what's the next step. What do we do then? Thank you!

Sparklyfairy

Why didn't you fight the CCJ? Did you attend court for the charging order? I'm afraid that once judgement has been made you won't be able to "go back" to stage one - which is verifying the CCA. Is the debt your own? Do you jointly own your home? If so, you'll have a restriction (if in England)..take a look at this thread which explains it all...hth