Thank you I will do this now, I am so worried they will increase the amount and drag it back through the courts. I just could not go through that experience again, I know some people can but the stress was too much for me. Do you think it is possible they will do this, as to increase the payments I would need to go to court again I assume. To be honest I would rather sell my house I am at an advanced age and terrified of it all starting up again. I will write to Incasso now. thank you for you time it is very much appreciated Clare

Hello please could someone advise me....After a long and stressful period 3 years ago which lead to me having a nervous breakdown Tesco Finanace managed to secure the outstanding balance of a loan against my house - I went to court and they now have a charging order on the property for when I sell. I have kept up the payments religiously as ordered through the court - This is paid through Incasso LLP. Last week I was contatcted by DWF to say my account has been transferred to them and I was to pay them direct, they also want to contact me to discuss future re payments etc... what should I do? I cannot face the horrid calls and aggression I was put through before so should I just take their word for it and change the payments to them? Please advise anyone. Thank you Clare

Thank you do I ask the debt collector who is dealing with this or the original lender for the T&C? How is it est to word this to the Judge? or is it worth mentioning? Many thanks

They added it on I did not ask for it. Thank you for explaining about the SAR If I send this to the people taking us to court (which is in 2 weeks) how does this alter the court hearing, what do I need to say to the DJ? I am objecting to the CO on several grounds a) we are in negative equity b) I thought I had made provision for the possible loss of earning with PPI Which i have paid out almost £2000 over 3 years c) the debt is in my name and not my partners d) We have 4 other creditors who we owe more too and they have accepted a token payment and frozen interest and charges Do you think I have a case and how should I add this SAR to my list of objections? Many thanks Clare

Sorry reposting as I was in the wrong place...We have a small family run business that has been hard hit by the recession and seen our income reduce by over 50%. I have 5 creditors who I have communiacted with at all times regarding our situation and with the help of the CCCS we have set up a token payment for them all, in fact 2 have put us on a severe hardship scheme. Only one of them wanted to take this further and took me to court for a ccj, (strangly enough it is the one we owe the least too just £5,100) this was awarded and I was told I must pay an increased amount of £18.00. I have paid this religiously and have all the receipts since that court case. They then went for a redetermination: We had a court hearing and I was asked could I pay in full I told the judge this was impossible, and I feared any further increase would upset our others creditors and the arrangement we have in place with them. The DJ said 'i sympathise but you can see these people cant wait 30 years for their money' He agreed to them applying for a charging order. This is due to be heard in 2 weeks and I am scared. The loan was taken out over 5 years ago and what I neglected to tell the judge (due to nerves) is that for the first 3 years I paid £50 a month payment protection plan to safeguard myself, almost £2000 for nothing!. As soon as things fell into hardship I applied for help with the PPI and was told it was no longer appropriate as I was no longer paying the full ammount?? (I had never missed a payment before that) This cannot be fair?? I now know I should have not admtted to the full amount at the first hearing but in times of stress I dont think I knew what I was doing. I also have this loan in my sole name and my partner is joint owner of our home, which is in negative equity. I just would like some help on how to approach the hearing and what, if anything to send in advance, Some one suggested sending a SAR is this possible just 2 weeks before having originally admitted the debt, which I regret but didnt understand. Many thanks

Yes I did admit the amount originally as I took advice from the CCCS, I did not explain to them about the PPI . Please could anyone advise with regard to the SAR can I do this so near to the hearing and what should I say to the judge about this?

Many thanks for taking the time to read my woe..Can I ask for a subject access request as im am so close to the hearing date? how will obtaining this help me? thank you in advance

We have a small family run business that has been hard hit by the recession and seen our income reduce by over 50%. I have 5 creditors who I have communiacted with at all times regarding our situation and with the help of the CCCS we have set up a token payment for them all, in fact 2 have put us on a severe hardship scheme. Only one of them wanted to take this further and took me to court for a ccj, (strangly enough it is the one we owe the least too just £5,100) this was awarded and I was told I must pay an increased amount of £18.00. I have paid this religiously and have all the receipts since that court case. They then went for a redetermination: We had a court hearing and I was asked could I pay in full I told the judge this was impossible, and I feared any further increase would upset our others creditors and the arrangement we have in place with them. The DJ said 'i sympathise but you can see these people cant wait 30 years for their money' He agreed to them applying for a charging order. This is due to be heard in 2 weeks and I am scared. The loan was taken out over 5 years ago and what I neglected to tell the judge (due to nerves) is that for the first 3 years I paid £50 a month payment protection plan to safeguard myself, almost £2000 for nothing!. As soon as things fell into hardship I applied for help with the PPI and was told it was no longer appropriate as I was no longer paying the full ammount?? (I had never missed a payment before that) This cannot be fair?? I now know I should have not admtted to the full amount at the first hearing but in times of stress I dont think I knew what I was doing. I also have this loan in my sole name and my partner is joint owner of our home, which is in negative equity. I just would like some help on how to approach the hearing and what, if anything to send in advance, we still have our youngest daughter at home too and I honestly spend most of my night in tears. I would be so grateful for any help thank you

The debt is £4,900 and we are currently paying £21 a month ?

Thank you summerbreeze You really have made me feel a lot better about the situation! I will let you know how it goes!! Ganymede Please could you tell me 1. What is a forthwith judgment and how do I best respond to this 2. If they ask for the CO to run alongslide, again what do you suggest we say? Apologies all very new terminology to me!

Thank you both for your reassuring words!! I cannot tell you how good it is to know I can speak to others in the same boat. I can honestly say debt is a very lonely place! Thank you If there is anyone out there reading this that could tell me to expect the charging order to be brought up tomorrow and what I should say/do please let me know I would like to be prepared. The debt is in my name and the mortgage in both our names I wondered if this made a difference?

Thank you for that, How can I ask others to respond to this message this evening? Oh and thanks for listening! Clare

No we have payment plans with them - No other CCJs I would like to think we could handle it, mind you feel physically sick at the thought of tomorrow at the moment!!

Can they request this at the hearing tomorrow? Can we object to this? Do you think the very fact that all the other creditors have accepted our offers (which is far less than theirs) will be in our favour?

we do have a property but we have very little equity left in