CCJ..help needed please.

[Steeley]

I had a CCJ from Natwest in 2003 for just under £10,000 combined loan and overdraft.

 

I paid the monthly payment required but stupidly stopped paying last year as a considerably large portion of the debt is in fees and charges applied when they were not authorised to make any payment above an agreed overdraft limit.

 

I' ve received a letter stating that a new firm of solicitors acting for them will be seeking a charge on property.

 

2 questions.

 

Is it too late to have the CCJ put aside due to what could be unfair charges added ? If not, then what statement to give? Can I ask that any action be suspended or the case reviewed.

 

Secondly, I am listed as a property owner but do not have full rights over a half share of the equity as my partner, by verbal agreement has, the majority through paying the mortgage and has already given me a large portion of what would be my equity leaving hundreds rather than thousands if it were sold.

 

Any help appreciated.

[linz2011]

Not 100% sure but I think it is highly unlikely that you can get it set aside as you have admitted it.

 

You could send a SAR to Natwest and this would at least allow you to claim back the charges

 

Good luck

[sequenci]

 

Is it too late to have the CCJ put aside due to what could be unfair charges added ? If not, then what statement to give? Can I ask that any action be suspended or the case reviewed.

 

have thye started the process to obtain the charge? have you received any info from the land registery?

 

you could set it aside re: charges, i think it would be a discretionary set-aside, however.

 

Secondly, I am listed as a property owner but do not have full rights over a half share of the equity as my partner, by verbal agreement has, the majority through paying the mortgage and has already given me a large portion of what would be my equity leaving hundreds rather than thousands if it were sold.

 

i'm not sure a verbal agreement will stand up, you guys should have had something formal drawn up.