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Hi, Im not sure if it had a condition or not. The debt was finance on a van and it was repossessed and then the finance company applied for the charge. How can I find out if there is a condition on the debt. Thanks
You need to check the terms of the van.
If it says it can be assigned then the debt collector can collect and any charge should be amended to show this.
If the terms do NOT say it can be assigned, then NO it can not and it will be the creditor of the CCJ you pay
Can I clarify anything for you about this today please?
Thanks, XXXXX XXXXX have the original paperwork for the van so what should I ask the creditor to get a copy?
Also, can the charging order on my house be transferred to the debt collector without me being told?
You can ask for a copy under the Data Protection Act and Consumer Credit Act yes
The charge can not be transferred without you being told.
Does that help?
Yes, Thanks for your Help. Adrian