Hillesden/dlc/Alpins - warrant of control? - old Blackhorse CCJ/CO

[Dont bank on it]

Hi

 

Am hoping someone can help.

 

Originally had a loan with Black Horse

- long story short, we hit hard times and the debt was not repaid.

(This was originally a single loan, then further on became joint loan)

 

Black Horse gained a CCJ, that was not defended, and later on secured a charging order against our property. (The property is a shared ownership).

 

Had a letter a couple of years ago saying the debt had been sold to Hillesdens.

Since then they have sent the occasional letter giving a sum of arrears etc.

There has never actually been an agreement to pay.

 

We have now received this letter from some solicitors.

 

I know we have left things to long - but has anyone got any advice on our best course of action.

[Dont bank on it]

..

[fkofilee]

Whos name is the CCJ in? Basically, who got the CCJ?

Only the CCJ holder can take legal action

[Dont bank on it]

The CCJ is in the name of Blackhorse.

 

If they sell the debt - does the CCJ not go with the debt?

What happens to the charging order?

[dx100uk]

whats the date of the CCJ please?

 

 

dx

[Dont bank on it]

It's a few years old. I will search for it out tomorrow for the exact date.

 

Does the date have any bearing?

[dx100uk]

in a way yes

 

 

read this too:

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?430545-MBNA-CCJ-CO-Aplins-Hillies-am-paying-but-they-are-going-for-a-Warrant&highlight=aplins+warrant+of+control

dx

[Andyorch]

They only state " they are about to issue ".....ring them up and inform them that the judgment has already been executed by way of a charging order...but I would also make offer of some kind of payment plan.....otherwise they will keep chasing you and there are other options of execution apart from the above at their disposal.

 

Andy

[Dont bank on it]

Hi DX - thanks for the link - will read up on it.

 

The original CCJ was 2009, if that makes a difference.

 

Andy thanks for your input - it's a long the lines of what we was considering, but i wanted to be sure of our position first.

 

Reading through the site i think it may be time to look at claiming back charges too maybe?