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Hi All,
Hoping for a little advice,
We got into difficulty back in 2011 and our car was repossessed. Long story short Mercedez benz via Blake Lapthorne took the car back, we tried to negotiate installments but they wouldnt accept what we could afford, and we were send court forms to attend a hearing.
We did not recieve the usual county court papers (the blue ones that you fill in accepting or defending the case), that we could fill in and defend, it was just for a hearing, we did not know what this hearing was for at the time, but we turned up anyway. At this hearing a interim charging order was granted, we were a little bewildered to be fair and neither me or my husband didn't really know what was happening, no body spoke to us before, it was a scary time and we were totally out of our depth.
After the hearing, we were taken into a room by BL solicitor (who was a local solicitor and only instructed the day before) and we were told that the £65 we could afford to pay would now be accepted and we should make sure we pay it every month. The interim charging order was granted in April 2012, we can see it on the Land Registry.
And although we disagree with the amount they say we owe (another story) we just want to pay it and get it off our backs, after checking our credit files with all agencies there is no CCj on our file. We also searched the register and it isn't their either. Is this correct that we should just have the interim charging order on our land registry file for the property or should a ccj have been entered aswell ?
If it is an over sight what will happen after we pay the charging order off ? will the register be updated to so a satisfied CCj ? or will the charging order just be removed and our credit files updated as a satisfied default ?
Hopefully someone can offer some words of wisdom, we just want to make sure that we are paying it off correctly.
Thank you for taking the time to read this and hopefully some one can shed some light
Yorkshire Grey
Hoping for a little advice,
We got into difficulty back in 2011 and our car was repossessed. Long story short Mercedez benz via Blake Lapthorne took the car back, we tried to negotiate installments but they wouldnt accept what we could afford, and we were send court forms to attend a hearing.
We did not recieve the usual county court papers (the blue ones that you fill in accepting or defending the case), that we could fill in and defend, it was just for a hearing, we did not know what this hearing was for at the time, but we turned up anyway. At this hearing a interim charging order was granted, we were a little bewildered to be fair and neither me or my husband didn't really know what was happening, no body spoke to us before, it was a scary time and we were totally out of our depth.
After the hearing, we were taken into a room by BL solicitor (who was a local solicitor and only instructed the day before) and we were told that the £65 we could afford to pay would now be accepted and we should make sure we pay it every month. The interim charging order was granted in April 2012, we can see it on the Land Registry.
And although we disagree with the amount they say we owe (another story) we just want to pay it and get it off our backs, after checking our credit files with all agencies there is no CCj on our file. We also searched the register and it isn't their either. Is this correct that we should just have the interim charging order on our land registry file for the property or should a ccj have been entered aswell ?
If it is an over sight what will happen after we pay the charging order off ? will the register be updated to so a satisfied CCj ? or will the charging order just be removed and our credit files updated as a satisfied default ?
Hopefully someone can offer some words of wisdom, we just want to make sure that we are paying it off correctly.
Thank you for taking the time to read this and hopefully some one can shed some light
Yorkshire Grey
