Can I do this online?

So_Sad_Angel

Sorry....did`nt mean to scare you!!!! I don`t think its likely but thought I`d mention it just in case! I`m in similar situation & never had any callers!

A Company called RMA did send a card saying they would `call` but never did...whether they meant call round or ring was uncertain. Also Picture offered to send a mtge adviser to see if I wanted to remortgage.....yeah fat chance of that happening when Im in negative equity!!!

Pleeeese don`t have nightmares!!!

Angiexx

fermi

Real bailiffs can only become involved if you have a court order that you have failed to pay the ordered payments on.

Even then, you should have notice and can avoid them happening.;)

hannah9000

pheeeewwww! ok i'm calm now, and trawling though the BR form online.

dynamite comes in little packages...

This is true, however, whilst i'm happy to lump my ex, i'm not prepared to stand up to a couple of bailiffs!!

lisamummytoarchieplusbump

hello hannah as so sad angel said dont answer the door,

but its unlikely they will come to your present address if the debt is at your prievious but heres a few tips if they do

i know its freezing outside but make sure windows are shut aswell as they could try gaining entry through a window. they are within the power to do that but they are not allowed to forceable break into your house. if they do turn up with police dont worry you will not be arrested for not letting them in its just to scare you and to protect you really as the police will make sure they are following the rules.

they will try tricks to get in like can i just use your phone to ring the office or use your toilet blah blah. if they do say they have a warrent get them to post if through your letter box and contact the court its supposeable issued from. do not ring the number on the letter as it may be a dummy number.

if you own a car park it away from the house not on your drive.

took from the cccs website

What are County Court Bailiffs allowed to do?

Bailiffs are only used as a last resort, they have the right to seize goods to the value of the debt - plus costs. They will not take basic household goods but they may take your car if it is parked nearby.
You do not have to let the bailiffs in. However, they can legally enter through any open door or window.
They can break in only if:

• They have entered previously for that particular debt or;

• They are recovering debts owed to the State (e.g. Income Tax or VAT)

Even when bailiffs call, it may still be possible to negotiate satisfactory terms for payment with them. Or you can use Court form N245 to request that the Warrant be suspended and to make an offer that you can afford (there is a fee of £30 which you can apply to have waived in cases of hardship using Court form EX160).

hope it helps

hannah9000

Hmm, I'll just set the dogs on them..

I don't think it will come to bailiffs to be honest. I'm not financially struggling right now, it's just when they repossess the house and sell it there will be a hefty shortfall which I won't be able to afford. Hence the BR.

So_Sad_Angel

I would imagine that if any of the above were to happen then there would be plenty of letters beforehand so it would not be a surprise visit anyway. As Fermi says they need court order etc etc

.....I`d just be out!!

maxmycardagain

hannah9000 wrote: »

Hmm, I'll just set the dogs on them..

I don't think it will come to bailiffs to be honest. I'm not financially struggling right now, it's just when they repossess the house and sell it there will be a hefty shortfall which I won't be able to afford. Hence the BR.

if i was you, and the house shortfall was the only/main problem, id wait and see what happens

we lost a house 15 years ago, it was sold at a £12,000 loss
eventually we paid £50 a month for 6 months and then £1500 to settle up.

theres was a £8000 indemnity insurance they wanted us to pay back! told em to go and make love somewhere else

hannah9000

I've had professional opinions and the house is very much in negative equity now, and when they sell it will be a very hefty shortfall. So i'm preparing myself.

maxmycardagain

when my shortfall notice came the lenders rang me "we could make you bankrupt"

hollow threats, costs em £1200 and they know they wont see any money.

County Court Judgements

A creditor may decide to take legal action in order to recover a debt owing to him. The action will take place in the County Court and the procedures, depending on which 'track' the case is allocated to, are set out below.
The Small Claims Track
Claims that have a financial value of not more than £5,000 will be allocated to the small claims track. The court may adopt any method of proceeding at a hearing that it considers to be fair. Hearings are informal, the strict rules of evidence do not apply, the court need not take evidence on oath, it may limit cross -examination, and it must give reasons for its decision. No expert evidence may be given except with the court's permission and no solicitor's costs may be recovered.
Over £5000 and the case has to go to a full/high court