Advice regarding old debt.
simmian
Posts: 29 Forumite
A few years back we found out we had 2 charging orders on our property. I wont go into all the details because it would take hours. Lets say they came as a shock to me when I found out.
It still makes me so p**ssed off that an unsecured loan, bank charge and a credit card bill can be changed into a charging order? I mean isn't that the difference between a secured loan and a un-secured loan? In that if you don't pay a secured loan they can claim via your property? I will end up ranting.
I just need to know if there is anyone I can speak too regarding one of the charging orders. The main one was with First Direct. It was a combination of an unsecured loan, bank charges, and a credit card bill. The problem for me is that it was around 13 years ago that I originally lost my job and could not pay my bills. A CCJ was issued and I entered into a Debt Management Payment. I lost my job again and I buried my head. The First Direct account was closed prior to all this happening.
I only found out last year about the charging order when we tried to re-mortgage. I requested a Request for Information pack from First Direct which was sent to the wrong address and opened. This is being dealt with separately. I found among my paperwork that I had payment protection insurance which I tried to claim for when I lost my job but because I was dismissed was unable to claim.
Fast forward to late last year I claimed for being miss-sold PPI which was a success.The question I am asking is as follows. I successfully claimed PPI . When I originally tried to claim PPI at the time many moons ago they told me I could not claim and this is what got me into debt to begin with. If I would have been able to claim PPI I would not be in this position!
My problem is because its so long ago I cannot get help from the financial ombudsman and just wanted to check if there is anyone i can talk too or anything I can do? Especially regarding the bank charges! Any help would be appreciated
It still makes me so p**ssed off that an unsecured loan, bank charge and a credit card bill can be changed into a charging order? I mean isn't that the difference between a secured loan and a un-secured loan? In that if you don't pay a secured loan they can claim via your property? I will end up ranting.
I just need to know if there is anyone I can speak too regarding one of the charging orders. The main one was with First Direct. It was a combination of an unsecured loan, bank charges, and a credit card bill. The problem for me is that it was around 13 years ago that I originally lost my job and could not pay my bills. A CCJ was issued and I entered into a Debt Management Payment. I lost my job again and I buried my head. The First Direct account was closed prior to all this happening.
I only found out last year about the charging order when we tried to re-mortgage. I requested a Request for Information pack from First Direct which was sent to the wrong address and opened. This is being dealt with separately. I found among my paperwork that I had payment protection insurance which I tried to claim for when I lost my job but because I was dismissed was unable to claim.
Fast forward to late last year I claimed for being miss-sold PPI which was a success.The question I am asking is as follows. I successfully claimed PPI . When I originally tried to claim PPI at the time many moons ago they told me I could not claim and this is what got me into debt to begin with. If I would have been able to claim PPI I would not be in this position!
My problem is because its so long ago I cannot get help from the financial ombudsman and just wanted to check if there is anyone i can talk too or anything I can do? Especially regarding the bank charges! Any help would be appreciated
0
Comments
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Hi,
Are they full charging orders, or just restrictions ?
House in joint names or just yours ?
The bank charges boat has sailed long ago i`m afraid.
You only have 6 months to take a complaint to the FOS unfortunatly.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
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