Land registry

charlie1970_2

I have an outstanding debt with Sainsbury’s Credit Card. I have a debt arrangement plan but Sainsbury’s weren’t happy with this and issued me with a CCJ and now they have contacted Land Registery who have written to me with “Notice to a registered proprietor of an applicatin to enter an agreed notice”. Basically they want interest in my property for a debt of £2,000 which I owe them!!

I don’t know what to do, can anyone help me please?

CLAPTON

it looks as if you are trying to register a charge on your property with your agreement... refuse... they can take you to court but its unlikely a judge would make an order for this amount... I assume you are paying the CCJ at a rate decided by the court.

charlie1970_2

thanks. I havent heard from the court since the CCJ so haven't paid anything since then. Should I contact Sainsburys and make arrangements for a payment plan? Eversheds are representing them as their solicitors but not once has sainsburys contacted me and asked for money, they've just gone straight to the court and I'm really angry that they've taken this route.

Troubled_Joe

There's no reason the court wouldn't allow a charging order at that amount. I've obtained them for less before.

If they have to make an application to court rather than you consenting then they will add costs of approx £210. On the plus side interest doesn't run on secured judgment debts under £5,000 therefore you can leave it registered for as long as you want until in 20 years time it's about enough to buy a packet of crisps.

It is highly unlikely that an order for sale would be obtained on a debt that size.

John_Pierpoint

There is a thread on here somewhere with advice for creditors.
This is a favourite, together with other exotics like garnishee orders.
Sainsbury obviously think it makes more sense to hang onto an interest in your property than try and make you bankrupt?
One of my neighbours has one of these, stuck on his property by his estranged wife.
BTW I have an account with Sainsbury, now let me know, why is it that you think you can hang onto some of my money ?

CLAPTON

charlie1970 wrote: »

thanks. I havent heard from the court since the CCJ so haven't paid anything since then. Should I contact Sainsburys and make arrangements for a payment plan? Eversheds are representing them as their solicitors but not once has sainsburys contacted me and asked for money, they've just gone straight to the court and I'm really angry that they've taken this route.

what was the decision of the court?

charlie1970_2

I dont know, they wrote to me saying I had incurred a ccj but no other word about paymetns was mentioned.

If I ring sainsbury's and arrange a payment plan with them, would that be the best idea. I cant afford to pay the full debt all at once

Troubled_Joe

If you didn't respond to the claim form then they will have applied for judgment by default and requested immediate payment. No payment terms would have been considered if you made no such representations.

Sainsburys will most probably still be willing to arrange a payment plan but thereis no real incentive for them to do so having already obtained judgment. They could quite easily get a warrant of execution and send bailiffs round.

bethanyrayne

Troubled_Joe wrote: »

They could quite easily get a warrant of execution and send bailiffs round.

Are those the same as the friendly people you see on television who claim to be just trying to earn an honest living?

Troubled_Joe

The very same.

They are just acting on instructions though and generally act within the law.

I appreciate that some won't but that is no different to any other walk of life.

charlie1970_2

If I borrow the full amount and just pay them off can I do that instead? Will I have to ring sainsburys to pay it off or contact the court?

This is making me feel sick.