Court order for house sale - help!

Anon1234_2

I’m posting on here in the hope that any legal people can advise me on the following matter.

About 6 years ago I got made redundant and got into arrears with several credit cards.
With the exception of one I’m now paying back my creditors on a monthly basis.
The other credit card debt was eventually sold to a debt collection agency who last year obtained a charging order against my house. I appealed against his decision and lost on the grounds that I waited too long before making an appeal (my current work keeps me overseas for months on end so it’s difficult to try and sort things out. I currently owe about £14k. Up to now I haven’t made any payments against this debt because I was out of work for a long time and any money I did manage to save has been spent on healthcare for my Father who was dying of cancer and most recently his funeral costs.
The debt collection agency got impatient for their money and was recently granted a court order to force me to sell my house, which kicks off early next month. My appeal against this decision was refused on the grounds I had no new evidence since my last appeal. If the house is sold soon, once the mortgage is paid off there will be practically nothing left as there’s no equity in the house at the moment (this was pointed out to the court but seemed to fall on deaf ears). I have recently written to the creditor several times asking them what they will consider a realistic and fair offer in full and final settlement of this debt but have had no reply. I have no other assets.
The last thing I want to happen is to lose the house as I have nowhere else to go and this was supposed to be an investment for my pension.
Is there anyone who can provide advice on if it’s still possible to get this decision reversed and if so how?
Many thanks in advance.

pelirocco

Are you in the UK?

Ineedaname

It sounds like the OP resides in the UK and perhaps works for a UK company that sends him/her overseas regularly for contracts.

debt_doctor

Hi,

Orders for sale are legally complex and you need to seek urgent advice from a specialist Housing caseworker / solicitor. Contact your local court to ask if they have a Duty Solicitor, and on what day(s).
You could also try a CAB (IF they have a Housing Specialist), a law centre or indepenent advice centre. Your local council may be able to inform you of the advice provision in your area.

Good luck, and dont delay.

DD