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Help!!!! First ccj

13

Comments

  • Culater_2
    Culater_2 Posts: 105 Forumite
    The only letter I had after A&L requested money was from Shoosmiths saying they were instructed by A&L to get payment as I had failed to make agreed payments with their client...
  • Culater_2
    Culater_2 Posts: 105 Forumite
    Thanks Sarah understood - you are so helpful!!

    Im in a blind panic as never been in this situation before although Im learning fast to think that if I dont have it they cant take it!!
  • Culater_2
    Culater_2 Posts: 105 Forumite
    A&L sent letter saying that they have instructed their solicitors to pursue me - no mention of shoosmiths from A&L anywhere tho
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    Culater wrote: »
    A&L sent letter saying that they have instructed their solicitors to pursue me - no mention of shoosmiths from A&L anywhere tho

    That will be it, Culater - Shoosmiths actually trade as 'Shoosmiths Solicitors' https://www.shoosmithssolicitors.co.uk
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • Culater_2
    Culater_2 Posts: 105 Forumite
    ahh ok then in which case they have informed me in a roundabout kinda fashion!!
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    Culater wrote: »
    ahh ok then in which case they have informed me in a roundabout kinda fashion!!

    Yes - Debt Collection is 'cunningly disguised' as 'recoveries' in their website - but it means the same thing.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • Culater_2
    Culater_2 Posts: 105 Forumite
    lol guess I will just send all my stuff to payplan and see what happens then
  • Culater_2
    Culater_2 Posts: 105 Forumite
    See they offer "Strong Collection Techniques" too!!! ooooooooooo!!!
  • moneybuster
    moneybuster Posts: 313 Forumite
    i dout if they payment is the true factor to be taken into account here it's the ccj if like me you have equity in your home thats what they will be after with a charging order on your home do you have equity in your home or negitive equity ??????


    regards moneybuster
    three things for the life ahead
    Faith Hope and plenty of Charity
  • Culater_2
    Culater_2 Posts: 105 Forumite
    well I prob have about 5k in reality - I bought in 2007 when prices were high and two doors away have had theirs for sale now for nearly a year!
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