Thank you.............I think I will do as you say 're mortgage .....I HAVE spoken to them on the phone and the answer was never heard of that.......a letter maybe better as they will have to check.........also I noticed a contact no in the court paperwork 're landregistrey for help so I will also try them..............kindest regards will let everyone know outcome .........

And yes there is equity on property as only 8 payments left on mortgage .......they are large payments £970 per month............property value approx£100 k...............

I submitted paperwork to Barclays and their solstice Phillips and Cohen said because the cc was in my name that effectively changed the tenancy wording of mortgage and made Terry share into an assett..........they are now passing paperwork back to Barclays collections

My husband has recently died leaving a large amount of unsecured credit card/loans debt.......we have a joint mortgage on a joint property.I am sorting out affairs and I personally have a ccj in my name secured on property.I am taking over the mortgage payments and am in process of getting my husbands debts written off as he had no sole asset over £5000...........today I am told that because I have a ccj on the property that effectively cancells the tenancy of the motgage so thereby releasing 50 % of the property into an assett for my husbands estate..................I have read the landregistrey papers etc for ccj and there is no mention of this and also have spoken to mortgage provider who are also unaware......help needed please ......there is no money and I am on a dmp ..........

Currently having problems with LLoyds TSB cc .On dmp with cccs who pay LLoyds who have agreed plan/payments last 4yrs and are now out of the blue showing arrears on monthly statements.No payment been missed , still 0 int ,when contacted say please ignore its a mistake.This fig now increasing every month and they refuse to put statemnt rightand can offer no break down. Irwin mitchell and Mercers are by far the worst though.

Oh well here we go again another re-determination hearing courtesy of Irwin Mitchell 050109, watch this space now want to secure ccj on property!

to update .............attended hearing , showed judge all correspondence etc and found in my favour......will post full details when my copy arrives. Thank you for your interest and support, no doubt this is round two and there will be more ahead:)........

thank you for your time and help, getting everything together for tomorrow docs etc ..........

sorry just found name tomterm8 !

also reading other advice think it was tom tom or similar cca does not apply to overdrafts ?????????

thanks for advice...........as Irwin Mitchell are collecting monies I presume they get the cca and sar ?

no ppi on loan.............loan was made to pay off nat west credit card .....the bank contacted me by phone with special offer ! ............part of the overdraft came from nat west continuing to take loan repayments from my acc which they would not close until o/d limit reached .................they were infd and had standard letter for cccs dmp last july...........a/c closed 1207......................and to add insult to injury keep sending me credit card cheques despite me cutting up card and sending it back (nil balance on acc £10K credit available ). No sar or cca made spoke to cccs advised against.

the debt is made up of overdraft/bank loan payments ........

ccj against me issued 130608 from northampton re Natwest application....have been on dmp with cccs since july 07 ...creditors being paid reg on usual pro rata basis and last few months seemed to have settled into some routine when Nat West xfered debt to their sols Irwin Mitchell (consisted of 2 monthly payments different acc nos ) who req one monthly payment (amalgamating 2 ).....cccs duly infd and reset comp etc and yes a hiccup and part payment sent.....next thing call centre contacts me does not accept explanation .........Irwin Mitchell letter req contact which I made and explanation not accepted.........ccj papers recd 290408 duly completed on cccs advice and retnd ( explanation included and full paymenst resumed)...............ccj issued 130608 for monthly payment £330 and sols/court fees £360... CCCS contacted and application for redetermination made which has now been set for 120808....................... The payment I have been making to Natwest has been £90 so you can see its a huge increase.................... Only advice CCCS has given is to turn up and produce dmp / income expenditure etc Court have already had these details for orig date and with redetermination application....................aany advice on what to say please or do !

glad im not the only one. Got a letter from Moorcroft last week headed pre Court division on behalf of Citicards