help needed with loan charging order, please

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wx_hammer

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Hello. I defaulted on a personal loan at the end of 2006 and was taken to court by the loan company (i`d changed bank accounts and asked the loan company to change my direct debit details, which they didn`t and after three missed payments they started legal proceedings. I assure you that i wrote to them on several occasions with my new bank details). In November 2007 we went to court and i agreed to pay the sum of £130.00 per month to the loan company`s solicitors (this was the same amount as my original direct debit payments) for three years.

In March 2008 i was sent a letter from Northampton county court informing me that the claim "has been transfered to the Edmonton county court for enforcement".

In may 2008 i was sent a letter (general form of judgement or order) stating that "Before District Judge ****** sitting at Edmonton county court""Upon reading a letter from the claiment, it is ordered that 1. interim charging order be discharged".

Then in August i recieved a letter (general form of judgement or order) stating that "Before District Judge ****** sitting at Edmonton county court"" Upon reading a letter from the claiment and the defendant not attending, it is ordered that the interim charging order be discharged".

As you can probably tell that i`m not the most legally minded person and somewhat confused by what these letters mean. I`ve also started receiving statements from the loan company (even though the total amount seems to have increased) I`m still paying the monthly instalments and am more than willing to do so. I would be most gratefull of any advice or help offered.
 
Without seeing what you were sent, it's impossible to know what any of it means. Why don't you call the creditor if there is a problem? At this point you may have a problem since it's long after the proceedings and you may have to "undo" the judgment in court - which I am sure will not be so simple. My guess is the court tacked on penalties for non-payment. Good luck.
 
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