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Hi. I had to attend a hearing at the High Court and it was for a debt
No, nothing at all.
Yes. The 'debt' is for about £20K. After the hearing I was visited by an Enforcement officer, apparently with a Writ of Execution; although I never saw the official court paperwork relating to this. I applied for a Variation of an Order and at the hearing the Judge ordered that I pay £10 per month, due to my financial situation - I have a copy of this General Form of Judgement.
Having moved house, the creditors are now applying for a Charging Order. The letter was received on the 2nd and they say they are forwarding the application to the court on the 7th; which obviously does not give me much time.
This was a contested claim
The debt was contested (by myself, couldn't afford solicitor etc.) and I lost the substantive claim.
Ok - well the fact that you were there means that you know about it
If you have not had the Court order is a good thing because you have a CCJ but it is not registered at Registry Trust
If you say now you do not have it, you run the risk that it is entered and your credit is ruined.
But as it stands there is a debt but its not registered.
As you attended the hearing you can't say you didnt know about it
As for the charging order, case law shows that even if you are not behind a creditor can apply for an order to be secured.
You can of course ask the Court to order that it can not be enforced on condition you pay £x per month
In this case you pay £10 a month.
But are they entitled to a charging order - yes
But nothing can happen with that charge if you pay on time
It simply secures the debt
Can I clarify anything for you about this today please?
The debt has not been registered, as I appear to have a good credit rating! Anyway, many thanks for your advice and opinion