www.iva.co.uk

Posted: **Sat Jul 12, 2008 2:01 pm**

Hello everyone
just been notified that one creditor has obtained a ccj by default. the question i need to be answrerd if anyone can advise is will the court grant a charging order against my property for this ccj effectively giving this creditor preferred treatment above the remaining 12 creditors.Any advice would be appreciated. Thanks.

Posted: **Sat Jul 12, 2008 2:08 pm**

Hello unsure.

I'm not an expert, and am not sure of the answer to your question, but can I just ask if you are in an IVA or not?

Posted: **Sat Jul 12, 2008 2:13 pm**

Hi Kallis
iva is not set up now and i am not sure how this will affect it. I will speak to someone on Monday

Posted: **Sat Jul 12, 2008 2:18 pm**

Yes, I think it would be a good idea to speak to whichever company you are using to set up your IVA.

I don't know anything about CCJ's at all.

If one of the experts is online, they might be able to answer the question for you.

Posted: **Sat Jul 12, 2008 3:21 pm**

With judgement issued the creditor can now apply for an interim charging order which will be granted if left undefended.

Its not an automatic process - it requires the creditor to make application for such.