I will start by briefing you on the situation,
I purchased a kitchen from B&Q in April 2013 (unsure of the exact date as it is not actually quoted anywhere),I originally payed a deposit of £652.75 and opted to pay the rest on a fixed term loan agreement via Hitachi credit of £5400,
A couple of days later I decided I would finalise the outstanding balance of the kitchen in cash directly to B&Q AND WITHDRAW FROM THE CREDIT AGREEMENT,as I was not happy with the agreement as there were to many inaccuracies on it,
I returned to the store and the band q assistant cancelled the agreement in front of me by calling Hitatchi credit,and also sending them an email,the outstanding balance was then paid by myself by debit card to B&Q,
End of scenario, or so I thought, as a few weeks later 1 payment of £100 or so pounds was taken from my account as cancelling the direct debit had been an oversight on my behalf.
I contacted Hitatchi to state the obvious etc,and they accepted this had been a mistake and advised I manually cancell direct debit.
Roll on now to January 8 2014 ,I received a letter from Addlestone keane solicitors stating they had obtained an interim charging order on my property and that a court date was set for Feb10 were an application for a full charging order will be applied for.
It also states that a CCJ was issued against me on Dec 6 13 for an amount owing of £5983.31,which I was totally unaware of as i had not been stay at the property as it was having building work done.
I have also had a B132 notice from land registery,informing me that an equitable charge has been placed on the title,
My question is ,
Do I address the CCJ first or the charging order,
Your advice in this matter would be greatly received
I have a N 2 44 form that I have filled but now I've been advised I also need the application to set aside must be supported by evidence and best practice is to lodge a pleaded defence which complies with CPR 16
Also the date for the full charging order is feb 10 does this need to be dealt with as a separate matter to getting the CCJ set aside if so what do I need to do
Help help help please
Getting majorly confused!!!