Court Judgement

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craigdaddy

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Post by craigdaddy » Fri Sep 17, 2010 7:57 pm
Hi All,

My IVA was approved on 20th July for F&F.

My letters are still coming though not as much as before but I carried on ignoring them which perhaps in hindsight was not the correct thing to do.

However, I'm now extremely worried because I got home and opened a letter which turned out to be County Court Judgement from Norhampton by Bank of Scotland.

I have 14 days to reply otherwise they will record a verdict in my absence. I am worried sick now as I thought under my IVA I was protected from such practices, but now I am confused and anxious.

Is there anybody who can guide me on this please?

In the meantime I emailed Melanie Giles but it was after hours so probably won't get a reponse till Monday. [:(]

Thanks

Craig Daddy
 
 

kallis3

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Post by kallis3 » Fri Sep 17, 2010 8:17 pm
You will now be protected by your IVA and I'm pretty sure a CCJ will mean nothing now.

I know Mel is about and as soon as she gets on the forum she will put your mind at rest.

You are protected - the letters mean nothing and you are covered with the IVA.
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
 
 

craigdaddy

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Post by craigdaddy » Fri Sep 17, 2010 9:52 pm
Hi Kallis3,

I really hope so. I find the whole court thing worrying as it's all come in official paperwork too.

I really don't want that kind of stuff on top of me right now in addition to appeasing the creditors with the F&F offer that they agreed to.

Regards

Craig Daddy
 
 

kallis3

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Post by kallis3 » Fri Sep 17, 2010 9:55 pm
There was a problem earlier with the forum. Hopefully Mel will pick up on this tonight.
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
 
 

craigdaddy

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Post by craigdaddy » Sat Sep 18, 2010 9:55 pm
Hi Kallis3,

Yeah I think there was.

Nothing yet from Mel so will have to wait till Monday I guess.

Thanks for the reassurance though.

Regards

Craig Daddy.
 
 

Shining

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Post by Shining » Sat Sep 18, 2010 10:55 pm
I'm sure if one of our professionals are about they'll advise. Although worrying and I know I'd be the sam try not to worry x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

plasticdaft

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Post by plasticdaft » Sat Sep 18, 2010 11:26 pm
The CCJ is meaningless given that the IVA has been approved. Pretty much a waste of time by the bank of scotland!!

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
 
 

MelanieGiles

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Post by MelanieGiles » Mon Sep 20, 2010 2:29 am
I've not received your e-mail Craigdaddy. Could you send it through again please.
Regards, Melanie Giles, Insolvency Practitioner
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