Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • helpplease2017
    • By helpplease2017 9th Jul 17, 11:11 AM
    • 8Posts
    • 0Thanks
    helpplease2017
    Using a solicitor for CCJ
    • #1
    • 9th Jul 17, 11:11 AM
    Using a solicitor for CCJ 9th Jul 17 at 11:11 AM
    Morning all,

    I was wondering what people's experiences or working knowledge are of the benefits of a solicitor in a CCJ case.

    Having spoken to a couple they appear to be offering extremely high success rates and the ability to basically pester and go after the creditor on various points of law during the process before the case gets to court.

    This seems like a great option but am I missing anything?
Page 1
    • sourcrates
    • By sourcrates 9th Jul 17, 11:22 AM
    • 11,973 Posts
    • 11,457 Thanks
    sourcrates
    • #2
    • 9th Jul 17, 11:22 AM
    • #2
    • 9th Jul 17, 11:22 AM
    Yes, you dont need a solicitor to do those things, you can defend a claim yourself with the help of Legal Beagles (web info in my signature).
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • helpplease2017
    • By helpplease2017 9th Jul 17, 11:30 AM
    • 8 Posts
    • 0 Thanks
    helpplease2017
    • #3
    • 9th Jul 17, 11:30 AM
    • #3
    • 9th Jul 17, 11:30 AM
    Thanks sourcrates.

    I've had a good look over there which is where I also noted the names of some of the active law firms in this area.

    I realise I can defend it myself but I was wondering if any knowledgeable folk were able to offer any insight into the difference using a solicitor can make?

    They all appear to have very high success rates but is that mirrored in high success rates by those defending cases themselves?
    • sourcrates
    • By sourcrates 9th Jul 17, 1:45 PM
    • 11,973 Posts
    • 11,457 Thanks
    sourcrates
    • #4
    • 9th Jul 17, 1:45 PM
    • #4
    • 9th Jul 17, 1:45 PM
    Thanks sourcrates.

    I've had a good look over there which is where I also noted the names of some of the active law firms in this area.

    I realise I can defend it myself but I was wondering if any knowledgeable folk were able to offer any insight into the difference using a solicitor can make?

    They all appear to have very high success rates but is that mirrored in high success rates by those defending cases themselves?
    Originally posted by helpplease2017
    What is the debt for, how much do you owe, and what is your issue with it now ?

    It would depend on a whole range of factors, mainly why you are disputing the debt, and on what grounds, if its a consumer credit act regulated debt, how old is the account ?

    Are you trying to ascertain if the credit agreement is enforceable or not ?
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • helpplease2017
    • By helpplease2017 9th Jul 17, 3:53 PM
    • 8 Posts
    • 0 Thanks
    helpplease2017
    • #5
    • 9th Jul 17, 3:53 PM
    • #5
    • 9th Jul 17, 3:53 PM
    It's £11500 after court fees for a credit card that defaulted in April 2011 so I am confident is statute barred.
    • sourcrates
    • By sourcrates 9th Jul 17, 5:38 PM
    • 11,973 Posts
    • 11,457 Thanks
    sourcrates
    • #6
    • 9th Jul 17, 5:38 PM
    • #6
    • 9th Jul 17, 5:38 PM
    It's £11500 after court fees for a credit card that defaulted in April 2011 so I am confident is statute barred.
    Originally posted by helpplease2017
    Then a simple :

    "An action founded on tort shall not be brought after the experation of six years from the date on which the cause of action accrued"

    Is all you need as a full defence to any claim.

    Remember the onus is on them to prove otherwise.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • fatbelly
    • By fatbelly 9th Jul 17, 7:24 PM
    • 11,234 Posts
    • 8,400 Thanks
    fatbelly
    • #7
    • 9th Jul 17, 7:24 PM
    • #7
    • 9th Jul 17, 7:24 PM
    It's £11500 after court fees for a credit card that defaulted in April 2011 so I am confident is statute barred.
    Originally posted by helpplease2017
    You don't need a solicitor for that. It's either statute barred or it isn't.

    Just make sure if you get a claim that you stick to the timescales.

    Most ccjs are issued 'in default' because the defendant hasn't responded (for whatever reason) in time.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,030Posts Today

6,767Users online

Martin's Twitter
  • Today's twitter poll: How many languages do you speak (inc Eng) with reasonable fluency (eg can have decent phone chat solely in that lang)

  • RT @iiSteveJonesii: @MartinSLewis After watching you talk this morning about me burning £300 I got on a comparison site tonight & sure enou?

  • In or near York? This Wed the @itvmlshow Roadshow" will be at the York Food & Drink Festival - do come and say hi; St Sampsons Square 11-4.

  • Follow Martin