We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Creditor left interim charging and unilateral notice on my title deeds.
Comments
-
indielad1010 wrote: »
Yes according to the national debtline I do have relevant points against a final charging order, again, my disability, and some of those include the age of the debt, and size of the debt. Though you might think it's wrong for me to contest it or they are not valid for you, again that is a for a judge to deicde.
Your disability and age of debt does not discount the fact you owe money and you want a free pass because of your disability.
The water company has rightly applied for a CCJ/ charging order as your are unwilling to pay the debt and play the poor/disability card
If you cannot pay, your house will used as collateral and quite rightly so, why do you think otherwise? You have debt, you will pay it whether you want to or not assuming you are liable for it.
Paying it later means you will likely pay more than the original amount due to court costs, fees e.t.c"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP0 -
and I'm really unclear what you are posting for here?You have a debt.
The creditor took you to court and you lost.
The court placed an interim Charge on your property to ensure the debt is eventually paid if/when you sell.
You now wish to sell.
You need to pay the debt.
The size of the debt, and your disability, are irrelevant.
Advice on what to do? - you ignore it all.
Clarification on how interim charging orders work? - you claim to know.
Touchy-feely 'poor you' responses? - not the right forum.
An opportunity to vent? - well you've succeeded there!0 -
-
Your disability and age of debt does not discount the fact you owe money and you want a free pass because of your disability.
The water company has rightly applied for a CCJ/ charging order as your are unwilling to pay the debt and play the poor/disability card
If you cannot pay, your house will used as collateral and quite rightly so, why do you think otherwise? You have debt, you will pay it whether you want to or not assuming you are liable for it.
Paying it later means you will likely pay more than the original amount due to court costs, fees e.t.c
What a hard right and preachy thing to say. Let's hope there's no such thing as karma then and you don't get in a similar position then0 -
indielad1010 wrote: »Let's hope it gets renationalised soon then.
Colour me unsurprised at the underlying reason why the bill's unpaid.indielad1010 wrote: »What a hard right ... thing to say.0 -
indielad1010 wrote: »What a hard right and preachy thing to say. Let's hope there's no such thing as karma then and you don't get in a similar position then
So you think being disabled you shouldn't pay bills? I am not disabled and I still pay bills.
What happened to equality? are you suggesting it's discrimination that you have to pay debt that YOU owe?
Equality goes both way as well
At the end of the day, why did this mess start ?
If you feel you shouldn't have to pay, contact the Citizens advice bureaux for help and claim the benefits your entitled to and fight the order"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP0 -
Your disability and age of debt does not discount the fact you owe money and you want a free pass because of your disability.
The water company has rightly applied for a CCJ/ charging order as your are unwilling to pay the debt and play the poor/disability card
If you cannot pay, your house will used as collateral and quite rightly so, why do you think otherwise? You have debt, you will pay it whether you want to or not assuming you are liable for it.
Paying it later means you will likely pay more than the original amount due to court costs, fees e.t.cand I'm really unclear what you are posting for here?
Advice on what to do? - you ignore it all.
Clarificationon how interim charging orders work? - you claim to know.
Touchy-feely 'poor you' responses? - not the right forum.
An opportunity to vent? - well you've succeeded there!
I wasn't looking for sympathy at all. I was just tlooking for advice to get out of the stalemate of the interim charging order, which nobody seees to have the intellect to know the dfference of a final charging order and an interim one.0 -
indielad1010 wrote: »I wasn't looking for sympathy at all. I was just tlooking for advice to get out of the stalemate of the interim charging order, which nobody seees to have the inellect to know the dfference of a final charging order.
Perhaps engage a solicitor to help on this matter rather than asking on a forum full of strangers who don't give you the advice you want to hear, but reality
bottom line is you owe debt, pay it or contest, the longer you leave it, the more costly it will get for you. Kicking the can down the road is not going to solve things for you"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP0 -
Perhaps engage a solicitor to help on this matter rather than asking on a forum full of strangers who don't give you the advice you want to hear, but reality
bottom line is you owe debt, pay it or contest, the longer you leave it, the more costly it will get for you. Kicking the can down the road is not going to solve things for you
Well to be fair, I thought it was a platform for advice on monetary matters, not opinions on disability rights, equality, political ideology and the rights and wrongs of debt enforcement!0 -
I can't wait for the next thread - HMRC will not accept that my legal fees over an expense incurred 5 years ago are tax deductable.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards