I typed a long post regarding my current situation. I usually copy and paste before "clicking" but it seems to have gone up "in smoke"
In a nutshell, I have been on a DMP for three and a half years. My biggest creditor, who issued a Summons when I missed a payment, (redundancy) have transferred the matter to my local CC, I have now receved a notice they are applying for a charging order, reason they have stated is the (extended) length of time for the repayment,. I am joint owner of a modest property. My partner did not know I had the debt. I am not far off retirement, in view of the tone of the new "summons" I am worried this may be the first step in applying for sale of our house!! I am not very happy with reagrd to the way the DMP firm have advised me (ha ha!) and also I am unaware taht I was given a default notice in the first place, but I will need confirmation from DM company (they have all the paperwork. this has caused me several sleepless nights. I dare not tell my wife about this development. I think the creditor ( I will be namimg them!) are spiteful, vindictive, and what hope have people who have advised, owned up they have got into debt, tried to sort it out, then, virtually out if the blue, receive this sort of treatment. Or am I a moaner???
In a nutshell, I have been on a DMP for three and a half years. My biggest creditor, who issued a Summons when I missed a payment, (redundancy) have transferred the matter to my local CC, I have now receved a notice they are applying for a charging order, reason they have stated is the (extended) length of time for the repayment,. I am joint owner of a modest property. My partner did not know I had the debt. I am not far off retirement, in view of the tone of the new "summons" I am worried this may be the first step in applying for sale of our house!! I am not very happy with reagrd to the way the DMP firm have advised me (ha ha!) and also I am unaware taht I was given a default notice in the first place, but I will need confirmation from DM company (they have all the paperwork. this has caused me several sleepless nights. I dare not tell my wife about this development. I think the creditor ( I will be namimg them!) are spiteful, vindictive, and what hope have people who have advised, owned up they have got into debt, tried to sort it out, then, virtually out if the blue, receive this sort of treatment. Or am I a moaner???
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