AMEX and Charging Order

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Max

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Post by Max » Thu Apr 30, 2009 10:48 am
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?
 
 

neverending

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Post by neverending » Thu Apr 30, 2009 11:24 am
Hi
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.
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Andy Davie
 
 

Max

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Post by Max » Thu Apr 30, 2009 11:34 am
Many thanks - creditor trouble is the last thing we want at present as my wif's mother is in Intensive Care in hospital at present.
 
 

tele2002

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Post by tele2002 » Thu Apr 30, 2009 11:46 am
How owuld a CCJ affect the IVA anyway? If they have been informed of the creditors meeting and persue a CCJ wouldn't they be damaging the process?
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Max

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Post by Max » Thu Apr 30, 2009 11:48 am
I have not got a clue!!
 
 

ivas4us

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Post by ivas4us » Thu Apr 30, 2009 12:18 pm
Ignore them David. Just aggressive threats yet again. Did you get the name of the person you spoke to so you can pass on to Melanie
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Max

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Post by Max » Thu Apr 30, 2009 1:07 pm
They were polite this time Paul! HSBC are landing me in trouble see post on HSBC very worried now!! If J finds out that will just about finnish her what with her Mum and now this
 
 

kallis3

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Post by kallis3 » Thu Apr 30, 2009 4:30 pm
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!
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MelanieGiles

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Post by MelanieGiles » Thu Apr 30, 2009 9:24 pm
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.
Regards, Melanie Giles, Insolvency Practitioner
 
 

David Mond

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Post by David Mond » Fri May 01, 2009 6:55 am
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.
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