Hi All
Any advice much appreciated, my wife and I are finally taking are head out of the sand and trying to deal with all of the debts we have had (and some we haven't but are being chased for anyhow !!)
This debt is a bit of a messy one that my wife didn't deal with, at the time she was going through an unfair redundancy case and wasn't coping!
Anyhow I have just opened a letter addressed to her from Horwich Farrelly Solicitors on behalf of Robinson Way (the creditor is described as Robinson Way Ltd ex HBOS)
The debt was originally for a HBOS credit card which there was ultimately a CCJ placed against, sadly we never dealt with it the. To make matters worse there has according to the letter been a judgement debt and a charge against our property for this debt. My wife has a vague recollection of some paperwork ages ago but can't remember any details.
The letter it self states that they are considering what further enforcement action may be taken to recover the judgement debt, mentioning possible further costs and mentioning the property a couple if times.
The amount owed is a little more than £6000, however I am pretty sure that a large proportion of this is made up of fees fro the credit card and possibly insurance. So really not sure what to do.
Any advice much appreciated, my wife and I are finally taking are head out of the sand and trying to deal with all of the debts we have had (and some we haven't but are being chased for anyhow !!)
This debt is a bit of a messy one that my wife didn't deal with, at the time she was going through an unfair redundancy case and wasn't coping!
Anyhow I have just opened a letter addressed to her from Horwich Farrelly Solicitors on behalf of Robinson Way (the creditor is described as Robinson Way Ltd ex HBOS)
The debt was originally for a HBOS credit card which there was ultimately a CCJ placed against, sadly we never dealt with it the. To make matters worse there has according to the letter been a judgement debt and a charge against our property for this debt. My wife has a vague recollection of some paperwork ages ago but can't remember any details.
The letter it self states that they are considering what further enforcement action may be taken to recover the judgement debt, mentioning possible further costs and mentioning the property a couple if times.
The amount owed is a little more than £6000, however I am pretty sure that a large proportion of this is made up of fees fro the credit card and possibly insurance. So really not sure what to do.
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