Bailiffs

[lankeela]

http://www.direct.gov...ndArrears/DG_10034289

[another-view]

What is your question?

[factor-fiction]

I think lankeela was responding to the question immediately below this one from pink kittens

[TReader]

Hello All

I am new to this so bear with me. The links are interesting - I have also come here to look for advice about a CC card debt. I realise that yes, I used the card I need to replay them, but what if I just cannot manage to? I am out of work right now, have been struggling to keep up mortgage repayments alongside other vital household bills and my CC is the last one on the list. The CC company wont listen, they are not sympathetic at all and now its (apparently because I received no paperwork for court hearings etc) been through the court system and bailiffs will call.

If they are never allowed in what exactly can they do?

[ummmm]

Depends who you have the CC with. If it's a bank they may put a charge on your house.

How come you didn't receive any paperwork?

[TReader]

Thats a good question and one I would also like answered, but it appears no one knows - yes its a bank, Nationwide

I wish they would put a on the house. In all honestly it does not look as if I can continue to pay the mortgage anyway although the Abbey are being exceptionally good about late/missed/half payments - I think my best bet may be to sell it. However, any profit will most likely be just enough to cover the fees etc

[ummmm]

Have you offered to put the debt on your house. Nationwide done this with my Ex. I knew nothing about it until we sold.

How much is it? Have you claimed housing benefit...which you can do after a certain time.

[craft1948]

.I used to work as a debt collector for BT and once, because of the extreme circumstances, and size of the debt, and all other avenues failing, I put a charge on someone's property...it is not just a bank who can do this...

[TReader]

Can I claim housing benefit? I was under the impression I couldn't becaue the house is mortgaged not rented?

To be completely honest, I'm not sure they would - Naitonwide have sold the debt on now which is why the baliffs are threatening to call. I didn't think debt recovery firms would do this? It's one muddle after another right now

[TReader]

what would happen if I did sell up and rented? would it be better to let them put a charge on the house and then sell? There would be nothing for them to have after fees etc so they would still be owed money

Baliffs dont want £10 week for the rest of my life do they? THe debt is £5,500

[craft1948]

are you saying you have less than £5,500.00 equity in your house?

[TReader]

Thank you for all your help

And yes, there is probably no equity on my house at all in fact - I've not looked at how much I can sell for but certainly not enough to cover more than solicitors costs and fees etc

[ummmm]

TReader. You will be entitled to help with your mortgage. They will pay the interest for you. Go and talk to your mortgage lender and see if they are willing to wait for the payments. I think you have to on JSA for 39 weeks before they start paying towards your mortgage (don't quote me on that though)