joint BC debt - DCA got CO - help

[hoganknowsbest46]

Hey all I really need some advice.

I got into some debt with my barclaycard (i was a secondary cardholder with my mother being primary acct holder) a few years ago and then things build up they defaulted.

 

The debt was passed around a couple agencies but was stupidly ignored by me until a certain agency got their hands on it.

Thy took a chrage on my mothers property.

Im trying to settle with them but cant get anywhere -

any ideas?? (debt stands at roughly 17k at the min)

 

Also can I do anything abt removing the charge!?

[citizenB]

Thread moved to correct forum *Debt Collection Industry*

[dx100uk]

so you've been to court or had a CCJ that you failed to pay?

 

dif you know about the CCJ?

 

moved to legal forum.

 

dx

[hoganknowsbest46]

Yes ccjs were put in place but as it was an insecure debt I just ignored it. I know I made a lot of ignorant mistakes here but wondering if there's any way out?

[citizenB]

Not sure what you mean by "is there some way out".

 

As they have a charge on your property then they have secured an unsecured debt.

 

What were the terms of the judgment.. do you have an installment plan in place or is it a forthwith judgment (where you are required to pay the full amount) ?

[hoganknowsbest46]

No plan is in place. I want to pay off the whole lot in one full payment but am struggling with 2 things. Firstly if they offer me a small discount ( and they have ) what's stopping them coming back and saying u owe us the difference. Secondly I obviously want to achieve the best deal possible and also advice on how to remove this charge legally once I have settled. I thought there were companies out there who could negotiate all this for u. I found a company abt 4 yrs ago and they said yes we can do this but 10k into our acct - we will settle debt 17k and keep diff as out fee. Sounds great. Just need to put the money into there accts. They didn't look dodgy in any way. They had proper offices etc. - six months later I hear they are in administration. So is there a way out? Is there a way of gaining the best deal for this situation for me?

[dx100uk]

you have to pay whatever is in the judgement box

 

there is something VERY fishy if

whomever is in the judgement box offers you a discount.

 

dx

[citizenB]

You would write to them with an offer, asking them to confirm that once the money has been accepted that they will no longer pursue you for any balance nor will they pass it on to a third party for collection.

 

If the judgment has just been handed down then if you pay either the full amount or an agreed discounted amount, I think it is as though the Judgment hasnt been awarded.

 

Perhaps speak to National Debtline and confirm this.

 

http://www.nationaldebtline.co.uk/england_wales/page.php?page=35_options_for_dealing_with_your_debts