Main site > MoneySavingExpert.com Forums > Essential Money > Debt-Free Wannabe > CCJ without my knowledge...HELP please! (Page 1)

IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
CCJ without my knowledge...HELP please!
Closed Thread
Views: 704
Thread Tools Search this Thread Display Modes
# 1
Fading_Star
Old 07-03-2011, 3:29 PM
MoneySaving Convert
 
Join Date: Feb 2011
Posts: 22
Default CCJ without my knowledge...HELP please!

Hi everyone, I'm really hoping that someone can help me with this, I'm so scared!
I stupidly got into two catalogue debts back when I was a teenager. When I went off to Uni I stopped answering the letters, and they eventually stopped writing so I stupidly thought that I was off the hook. One catalogue had an original balance of something like 150, but went up to 500 with late charges etc. The second one had a balance of 100, but went up to something like 223 with charges.
I recently was contacted by Bryan Carter solicitors, demanding payment. I agreed to pay, and they would only accept a minimum of 30 a month. I can't really afford that as I'm currently caring full time for a relative and on a very low income.
After reading advice from here, I wrote to them asking to see the CCA. I also gave them an income and expenditure rundown and told them I could not afford the 30 a month, and offered to pay half that until I could afford more. They told me today that I had a county court judgement! Apparently the claim form was sent in May last year to my home address.....I received nothing! They said that the court had ordered me to pay 50 a month, and that they were doing me a favour in allowing me to pay 20 on the debt with the CCJ. I was given the case number and told to ring the court. I'm just gobsmacked as it's the first I've heard of it! What should I do? Any advice gratefully received.

Last edited by Fading_Star; 07-03-2011 at 3:50 PM.
Fading_Star is offline
Report Post
# 2
nottoolate
Old 07-03-2011, 3:38 PM
Serious MoneySaving Fan
 
Join Date: Jul 2007
Posts: 1,228
Default

was the ccj granted before or after you made the cca request?
nottoolate is offline
Report Post
# 3
Fading_Star
Old 07-03-2011, 3:49 PM
MoneySaving Convert
 
Join Date: Feb 2011
Posts: 22
Default

Quote:
Originally Posted by nottoolate View Post
was the ccj granted before or after you made the cca request?

After....the CCJ was apparently made in May last year, but at that time, I wasn't even receiving letters from Bryan Carter! I certainly didn't receive a claim form/anything regarding a CCJ (I'd def know if I did cos it would've scared the life out of me!:P) The first thing I heard regarding making payment was late last year, and I made the CCA request about a month ago.
Fading_Star is offline
Report Post
# 4
king100
Old 07-03-2011, 4:00 PM
Serious MoneySaving Fan
 
Join Date: Feb 2007
Location: Suffolk
Posts: 1,522
Default

Quote:
Originally Posted by Fading_Star View Post
Hi everyone, I'm really hoping that someone can help me with this, I'm so scared!
I stupidly got into two catalogue debts back when I was a teenager. When I went off to Uni I stopped answering the letters, and they eventually stopped writing so I stupidly thought that I was off the hook. One catalogue had an original balance of something like 150, but went up to 500 with late charges etc. The second one had a balance of 100, but went up to something like 223 with charges.
I recently was contacted by Bryan Carter solicitors, demanding payment. I agreed to pay, and they would only accept a minimum of 30 a month. I can't really afford that as I'm currently caring full time for a relative and on a very low income.
After reading advice from here, I wrote to them asking to see the CCA. I also gave them an income and expenditure rundown and told them I could not afford the 30 a month, and offered to pay half that until I could afford more. They told me today that I had a county court judgement! Apparently the claim form was sent in May last year to my home address.....I received nothing! They said that the court had ordered me to pay 50 a month, and that they were doing me a favour in allowing me to pay 20 on the debt with the CCJ. I was given the case number and told to ring the court. I'm just gobsmacked as it's the first I've heard of it! What should I do? Any advice gratefully received.

These guys are the bottom of the pit, they generally buy debts that are unenforecable or SB.

Check your credit file to see if you have a CCJ on it.

Do that 1st.

See if BC are telling the truth, which I would be surprised if they are.

How can the court order 50 a month, they would need you to fill out an income and expense form to make this decision.

Do not call them again, write to them, keep everything in writing.

Personally knowing of these guys from other forums they are the blind leading the blind.
I all have learnt is from others on many sites.
Seek legal help if unsure.
Dont pay Private Parking tickets - they are mere invoices.

PRESS THANKS-------------}
king100 is offline
Report Post
The Following User Says Thank You to king100 For This Useful Post: Show me >>
# 5
kinger68
Old 22-03-2011, 11:33 AM
MoneySaving Newbie
 
Join Date: Mar 2011
Posts: 1
Default Bryan Carter

Hi,

Last year I kept recieving letters from Bryan Carter solicitors, claiming I owed Tiscali 129. I immediately contacted Tiscali, who said that I owe them nothing. My account was cancelled in 2009 but I could still log on to their website, to check online statements. Bryan Carter took me to court and got a ccj issued against me. In January I was contacted by a court baliff, to collect on the ccj. I produced six months worth of statements, showing that I owed nothing. A week later the baliff contacted me again, to tell me Bryan Carter would not accept these as proof. Even the baliff said that common sense should prevail, as a statement is issued by the company I supposedly owe money to.

I have now recieved a letter from Bryan Carter, which says that Dispite numerous attempts by the baliff, he has not been able to contact me, which is untrue. Now they are telling me I could go to prison for not paying my debt (which I do not owe). Can they get away with this sort of bullying? The whole situation is making me ill and I have had to take time off work as a result.
kinger68 is offline
Report Post
# 6
jonjamie1970
Old 22-03-2011, 12:09 PM
MoneySaving Stalwart
 
Join Date: May 2010
Posts: 477
Default

Kinger - Are you sure that the debt wasnt passed to Bryan Carter and that Tiscali are giving you the correct info ?

Check your credit report and see whats listed on there.
jonjamie1970 is offline
Report Post
Closed Thread

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 9:39 AM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 22 October 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • ED SHEERANX (DELUXE EDITION)
  • SAM SMITHIN THE LONELY HOUR (DELUXE EDITION)
  • VARIOUS ARTISTSNOW THAT'S WHAT I CALL MUSIC! 88

MSE's Twitter Feed

profile
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.