Thanks for replies.I have had letters relating to "going to" & "it may be are intention" but this one given the history of this account states that this is what they are going to do. I agree a charging order can only be placed on a property once a CCJ is in place,but that is exactly what they say they will do! Thanks,my questions still stand

Hi My wife & i have been holding our own with DCA`s since 2009,mainly with help from this forum. Today however i have received a letter from a DCA which i presume will be the next chapter or more of same to come. It reads "We are unable to accept your recent payment offer as it is unrealistic in comparison to the balance outstanding. It is our intention to issue a County Court Claim against you with a view to obtaining judgment for payment forthwith,then applying for a charging order on your interest in the property.This is because the payment of your debt is likely to take many years and we need to obtain some form of security. We feel this is entirely valid but we can assure you that the charging order is required as security only and there is no intention to seek an order of sale or use the charging order as a lever to force you to make payments you cannot realistically afford. If you are in a position to settle the account by making an immediate payment then telephone us on ............" My questions are for the moment, How should i deal with this? What other doors will this open in the future for example the force of sale? What affect will this have on our other 7 creditors? Does this add more monies to the debt? Is bankruptcy an option? As far as i can see it wont make us pay anymore as we cannot afford it & i have no intention of moving out of my home while i can afford to pay my mortgage.It just make me wonder that they cannot accept my payments so they seek to make it a secured debt & everything still ends up the same except if they intend to do something once the debt has become secured. Any thoughts much appreciated

Thanks for your reply ims. Interesting reading on BCOBS. My employment takes a great deal of time from me(7 days a week) at the moment but hopefully will get things moving over christmas as i have christmas day & boxing day off.Ha Ha Will post back if i get stuck or i get any info of any relevance. Thanks

Hi Thanks for reply. Question 4 still remains.How do i start the ball rolling so to spaeak. Sar? Then calculate all charges & enter to spreadsheet. Do i do as before with bank charges in regards to Prelim Then LBA? Also i know this is not the issue here but i did mention bank charges earlier. I remember seeing BCOBS.Can you give me a brief on this.Is it to do with hardship? Cheers

Thanks for both replies. Thats interesting info.Thanks Can i please get some more answers then. 1.My Black Horse loan finishes late next year & i have already racked up 600 odd in charges,although i have not physically paid any of these charges,they are listing them as arrears.Do i tackle this now or do i wait until the loan has completed? 2.The mortgage charges are added to my mortgage i guess as i dont physically pay these either but as long as i make my monthly payment i have no arrears.Do i claim on these. 3.Why can these charges be reclaimed & not bank charges. 4.How do i go about claiming these charges.Under what guise.Are there templates in library. I probably have more questions but this will give me a start. Thanks for your time

Also dx100uk I am being charged by blackhorse for late payments & my mortgage company for late payments @ £40 a throw. Although i have conflicting guidance from my mortgage company who say as long as i pay within the month that the payment is relevant to it dosnt matter. For example if my payment is due on the 10th of the month & my funds become available on the 24th then i should not be charged or should i & if charged how much. My finances changed for the worse some time after i took out my loan & mortgage yet although i pay (not always on the due date but within the same month) i get penalized for this. Hope this makes sense & thanks for your replies

Thanks for reply. Yes i was hoping that it might include a group as i have had 3 finance deals from Black Horse. Yes i ccad all my credit card accounts but came up with all sorts. I didnt have the time at the time to keep a close eye on this & with information i received back & what was being advised on here i didnt proceed any further. I also have a niggling thought with bank charges. Although i reclaimed a large portion back from my accounts, one bank stonewalled me on a test case that was going through at the time & this proceeded no further. Can i ask what is the situation with bank charges now? I know this bank repaid charges at the time mine was rejected. Thanks

Just a thought. Do i have to SAR all my credit cards. I sent SARS to these some time ago about legality of contracts but cant remember anything to do with PPI. Also what i received back was a load of well poor photocopies of bumpf. As far as i can remember it costs a tenner a chuck. So you know when you stop at at service station or you pick up a slip that falls out of a mag you fill it in and send it away & the following week you end with a credit card & a limit would you have even been involved with PPI? Cheers

Thanks Just about to start a SAR as i had/have two other loans from this company. This is on a different subject but whats really eating me is the charges i am racking up for missing payment date,although its within the month.I must owe 3 extra months payments now just for a few letters! Anyway cheers

Hi Something that has been bugging me for some time now. I bought a car which was arranged through Black Horse Finance. During filling out the agreement/contract my mind keeps thinking of an additional box with an amount on the right hand side of the agreement which was not spoken about but was included in the left hand side when tallying up the amount repayable .I am sure it was to do with payment protection. I might still have original documents but if i havnt how could i obtain these? Also after reading through some posts i have read about credit cards & bank loans. Is ppi hidden within calculations or blatantly obvious when you sign up. thanks

I have 7 creditors total & this is the largest. Also will try to merge pdf files tonight after work

I have scanned & converted all letters could you tell me how to get it into a single posting or i will be here all year. Cheers

A test sample to see if i am uploading image. Full page print.pdf

Thanks for this.This was my opinion as wording of letter "intention" & "view".Threat ,threat but you cant be to sure as i have some interestingly worded letters from DLC.Will try & post up all letters tonight. Thanks for everyone's input so far.

Thanks for both replies will try this evening

I will post up tomorrow eve all letters that are rel.Thats if i can remember how to do it. Thanks to all for input.

No not a settlement.

Yes half price at a shade over 3000

Only 1 letter i can find.Looking at a letter dated 15/3/2011 States "We can confirm the following payment plan has been agreed. To start from:15/3/11 Number of instalments :1 Frequency:Single Amount:£5 Also original MBNA is from 2002

Sorry for not saying Credit Card.Have no PPI taht i know of.Claimed charges from all creditors back in 200?. CCA`d all creditors back in 200? but didnt have the knowledge to know what to do with it.Resided myself to slowly chipping away at my debts with what i could afford my way.Everybody happy until i receive a letter quoted in my original post.

I will not be speaking to CCCS until next week as i have only just received this letter this morning so did not put any emphasis on this situation. Basically when you take a credit card under the impression it is unsecured dont be fooled as this can soon become a secured debt.I also have a secured debt & i took this knowing full well.

I have stuck with this since 2009 in the assumption that at some point i would be in court. Can i get back to original wording of letter & how i should deal with this or is this just scaremongering again from DLC as i have found an older letter on file worded slightly different. "It is now our intention to commence legal proceedings against you for non payment of this account.Once a County Court Judgement has been obtained, a further application will be made to secure this debt against your financial interest in your property by way of a Charging Order". This letter was dated march 2010

Yes you can.I know as they know that based on my payments this will take some time to clear.The debt is for just a shade over 6000.00 but i have 7 other creditors to satisfy. Can you say that if i go to court to answer the claim & it is awarded to the claimant & the judge accepts £10 p/m can the claimant there and then apply for a Charging Order & on what basis given my last 2 years of on time payments. Cheers

Thanks for that reply Son the wording seems to be in "forthwith" & what circumstances sways the courts approval. Hope im not being thick here. Cheers What does this mean &

Have been dealing with CCCS since September 2009 and have followed their advice & has been pretty good.I have kept to everything that i said i would do as advised in my letters to these people.I have increased my payments as my circumstances have improved.I do not dispute i owe the money & i am not trying to get out of what i owe but i will not be threatened. Also i will go to court. I dont like allowing a Charging Order restricted or not it seems like another set of claws.It may sound like a long stand off but its ammunition. Thanks for reply