Concerned about Halifax cc

pagenotfound2k

My Halifax cc debt has been with a dca (Eversheds) for a couple of years, and either through mis-communication or my own fault, my standing order has twice (to my knowledge, that I have counted) failed to reach Eversheds. Once because I got dates mixed up, another was my own sillyness.

I'm worried, because have they got me if I forget a standing order again? When I say get me, I mean will they issue me with a CCJ and ask the court to make me clear the balance by means of bailiffs? Or would it be returned to Halifax, for them to make a decision?

I don't intend to 'forget' a future SO, but with me transferring one account to another I need to be sure of what could/will happen.

Thanks for any help or advice. If this needs to be moved, would the admins kindly do so.

GeorgeUK

Even if you had a payment agreement set up with a company and never missed an payments, they could take you to court for a CCJ. There is never a guarantee that they will not do this. The reason tehy don't do this all the time is that the judge would look at you available funds and decide on a fair repayment structure - which is probably what you are doing right now. There have been cases though where people have got a CCJ and been ordered to pay less that they were before.

Bailiffs would only get involved if you did not stick to the terms of the court judgement.