Charging Orders in Northern Ireland

warmhands.coldheart

Is the Credit Card bill a large amount ? are we talking a high thousands???

Do you have a Credit Union near you or family who could possibly bail you out for a while.... There is no place for pride or burying your head in the sand in situations like this... you just have to swallow it and do what needs to be done !!

pepper33

I worry night and day about debt, my debt is only over £5400, which is a small amount compared to mortgages etc. All my other bills are up to date. I will go to the credit union later on today, but I doubt they will help, as they go on the principle of your ability to pay. But I will ask them for advice, as they are the only people who are sensible when it comes to lending.

rolo1_2

Do you have any other credit cards that you can transfer the debt? -I am sure you may have already thought of this.

It seems a shame that for the "relatively" small amount you are being chased for can bring so much worry. Keep your head up and good luck.

warmhands.coldheart

pepper33 wrote: »

I worry night and day about debt, my debt is only over £5400, which is a small amount compared to mortgages etc. All my other bills are up to date. I will go to the credit union later on today, but I doubt they will help, as they go on the principle of your ability to pay. But I will ask them for advice, as they are the only people who are sensible when it comes to lending.

I know in the past (Now things may have changed since) a friend got help from the Credit Union.... They got a friend who was also a member of the same credit Union who had a bit of savings with them to act as guarantor for the loan. would something like this be possible. Go speak to them, it would be a good start..

pepper33

My sister belongs to the credit union, I could ask about someone being guarantor.
Do credit unions let you secure your loan on your house?

warmhands.coldheart

pepper33 wrote: »

My sister belongs to the credit union, I could ask about someone being guarantor.
Do credit unions let you secure your loan on your house?

Don't think they work like that as bank would have first dibs on house as they are the mortgage provider.

Seriously though, Speak to your sister and credit union ASAP and get something sorted.... do not ignore it ...

donnac2558

They will end up paying the court costs.

I have debt and the advice centre quite open about what and could not been done.

I have a Voluntary thing they get money every month. No matter what they threaten they will not take you to court as it will cost them too much money. That is what I was told. They stamp their feet and act big, but as long as you pay what you can and don't miss the agreed amount nothing will be done.

Usually they will sell the debt on(companies buy them up cheap), they will then contact you and try every often try to get you to pay more. But you still to the agreed amount and tell them your circumstances have not changed they will continue to take the agreed amount.

pepper33

Did you actually have to go to court? Or did the advice centre help you? Nationwide's solicitor have already paid £185 to the court for the order. I have no money to spend on anything other than my debts, and my priority debts, so they can't get as they say, blood out of a stone.

ladeeda

pepper33 wrote: »

Did you actually have to go to court? Or did the advice centre help you? Nationwide's solicitor have already paid £185 to the court for the order. I have no money to spend on anything other than my debts, and my priority debts, so they can't get as they say, blood out of a stone.

If that is for a CCJ, it might be better than where you are now. The interest will be stopped and seeing as you work it is likely that an arrangement can be made to pay an affordable monthly amount. The EJO officer will decide what is affordable for you - it can be as little as a pound. As you would be paying the court you will not get any more telephone calls, debt collectors etc and if you do, you can stop them.

Who told you that Nationwide had paid this money for an order? I would have thought that they would have passed it to a DCA to chase for them. DCA's don't usually bother with court as your credit file will already show the default.

Good info here, http://www.stepchange.org/

donnac2558

pepper33 wrote: »

Did you actually have to go to court? Or did the advice centre help you? Nationwide's solicitor have already paid £185 to the court for the order. I have no money to spend on anything other than my debts, and my priority debts, so they can't get as they say, blood out of a stone.

No, never took me to court.

I did get a cheeky b*gger try to threaten me to pay them more a while back. I just told them, 'Take me to court. The judge will see what I can afford to pay.' They backed down, then I got a call saying I was not sticking to the agreement. Told the woman to go listen to call conversation, she came back and said sorry I was sticking to the agreement. So cheeky b*gger had tried a fly one saying I was increasing my payments.

Go to an advice centre and get them to act on your behalf. They got the interest stopped straight away for me.