Just had a telephone call - very polite I have to say (this time) asked what was happening - I told them Melanie has arranged for a creditors meeting on 5th May - they did not know that - at least that is what was said. I was "advised" that they could obtain a charging order without going to Court for a CCJ. That shook me a little since they said I could lose the house as a result. Can they do this that quickly or was it an implied threat to get me to pay something? Can anyone advise me please?
It is a threat and they will not have the time to place a charging order before your IVA meeting. At that time they will be bound by your IVA acceptance and can't do take any further action.
Don't worry about it at all - they cannot get a CCJ between now and next Tuesday - it's just bullying tactics again.
Get Max to screech down the phone to them if they call again!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
This is standard procedure for Amex - who do like charging orders where they feel that there is equity to go after. I would not worry about the call at all - we are nearly at the creditors meeting point after all.
David (elv5) love the picture by the way - stop worrying, ignore bullying tactics and have faith in Melanie and her team - they will not let you down - that I am sure.
Not long now.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.