any advice please !!1

[JunkiMunki]

OH was self employed as a subcontractor, and was struggling to get work,received a tax demand was unable to pay and being rather naive took out a loan for £4,000 from a loan company as a secured loan, repayments were £84.00 per month for 180 months (yes yes I know didn,t realise the amount we would be paying back ), but to cut a long story short, paid all payments up to last £2,000 when OH had to sign on sick with a health related condition, kept demanding their money until I received a court letter in 2005, have got the letter from the court which states:

"Upon neither party attending"

IT IS ORDERED THAT

The Claim be struck out dated 2005, never heard another word from them until 2007, when a letter came stating that no payments were being made re: the account and kindly arrange contact with them to discuss the outstanding indebtedness, never contacted them regarding this as far as I was concerned the court letter stated that the claim be struck out, and I thought that the judge had sympathised with us after paying the loan for 13 years, and decided that we had paid way over the £4,000 originally borrowed,have now found out they are stating we owe £39,000,and are still showing as secured by way of a restriction against the property, obviously thinking a mistake had been made I contacted them and stated as far as I was concerned the debt was finished as of the court letter, THEY stated not the case and that the debt now stands at £39,000.

 

Which means £4,000 borrowed : 13 years @ £1,008 per year = £13,104 Paid , leaving a balance of £2,016 approximately at court date now stating has increased by £37,000 + although have never received any correspondence from them since letter dated 2007 , any advice please !!!!!

[Gbarbm]

Hi,

I note you say OH was engaged as a subcontractor was this within the construction industry ? Did he have any insurances? Was he paying class 2 and/or class 4 national insurance contributions?