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Ccj help please
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Ftbnewbie
Posts: 50 Forumite
I received a ccj claim against me today for £1750.
I’ve been searching for advise online and I’m so worried about a charging order statement I read on a debt site.
My husband owns the property , I am not on the deeds or mortgage at all, it’s solely in his name. Can they still put a charge on the property if they refuse my offer of instalments? I can’t afford to pay it in one go.
I’m going out if my mind .
I’ve been searching for advise online and I’m so worried about a charging order statement I read on a debt site.
My husband owns the property , I am not on the deeds or mortgage at all, it’s solely in his name. Can they still put a charge on the property if they refuse my offer of instalments? I can’t afford to pay it in one go.
I’m going out if my mind .
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Comments
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Please can anyone advise if a charging order can be made against me if I don’t own the property and it’s solely in my husbands name?0
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So they can’t put a charge on the property if I don’t own any part of it? Oh god I hope that’s right, thank you.
I am proposing £30 per month instalments. Do you think they will accept this on the amount I owe? It will be tight but I can manage it.0 -
So they can’t put a charge on the property if I don’t own any part of it? Oh god I hope that’s right, thank you.
I am proposing £30 per month instalments. Do you think they will accept this on the amount I owe? It will be tight but I can manage it.
Ok, let’s calm things down a notch.
You make your offer of payment based upon what you can afford, supported by a copy of your budget as evidence.
Charging orders can only be made against homeowners, if you were a part owner, then a simple restriction would apply, as you are neither, these options are not open to your creditor.
So stop worrying.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thank you so so much xxxxx0
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Thank you so so much xxxxx
What is the debt for, And is it actually yours ?
What exactly have you received, an actual claim form, or a letter before claim ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
It sounds like a claim, and £30 would clear the debt in 5 years so yes it's at the bottom end of a reasonable offer if justified by the income and expenditure.
we can look at the income and expenditure if you want to post it.0 -
It is my debt. It’s a capitol one card I had and then fell behind with. I buried my head on the sand over it all and now it’s got to a claim. X0
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