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    • 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
    • 12,455 Posts
    • 11,853 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 volunteer to help get your forum questions answered and keep the forum running smoothly".
    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
    • 12,455 Posts
    • 11,853 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 volunteer to help get your forum questions answered and keep the forum running smoothly".
    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
    • 12,455 Posts
    • 11,853 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 volunteer to help get your forum questions answered and keep the forum running smoothly".
    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
    • 11,525 Posts
    • 8,658 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.
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