CCJs and property restrictions

thehog

Quick question please - in respect of the £10 maximum statutory fee which I need to send with my letter to Optima - who do I make the cheque payable to please?!

RAS

Send your SAR to Optima

DebtFreeOneDay_3

Thank you thehog for your reply. This is good to know. Thanks again and good luck with yours:)

10past6

thehog wrote: »

I hope this helps DebtFreeOneDay, and indeed anyone else who is enduring this agro

Your post is a great advertisement for any creditor / DCA to ensure any DN they issue now complies legally with any future DN they intend to issue.

I'm sure I mentioned it would be in your interest to keep personal details in relation to your case as brief as possible.

I'm sure others will assist you with any future issues re your case.

property.advert

thehog wrote: »

So that's why there are so keen to get a CCJ!

But if my DN is faulty then hopefully I'll only be liable for about £1,800 - not the full settlement that Optima Legal are looking for - ie £11,316!!

I can't wait to see Optima Legal's response to my correspondence disputing the debt - presumably they can't start CCJ action against me if I am disputing the debt before they have started?

My experience of my own debts shows me that they are not in any hurry to get a CCJ, even when they could easily find large equity in a UK property. I do not understand why they do not move to CCJ more quickly or at all but they don't, not even for years afterwards, at least in my case.

RAS

thehog wrote: »

Cheers RAS!

Thanks. Well done.

thehog

No worries, I'm sorry. I won't post any more stuff.

RAS

thehog wrote: »

No worries, I'm sorry. I won't post any more stuff.

Hi

Come back, without your tail between your legs.

Ok now?

thehog

OK, just feeling guilty, stupid and very embarrassed... You all offered so much help and support and I could have blown the whole thing. I will go through my previous posts and take out some more of the detail.

property.advert

thehog wrote: »

OK, just feeling guilty, stupid and very embarrassed... You all offered so much help and support and I could have blown the whole thing. I will go through my previous posts and take out some more of the detail.

Don't worry, but do calm down and slow down and do you remember the saying "only fools rush in" ? well, think of this forum like a jigsaw puzzle. You need more than the corner pieces before you go thinking that you know how to put it all together.

Part of our impulsiveness is what brought us here. Just remember that trouble has been brewing for quite a while and a few more days will make no difference in nearly all cases. I nearly made some mistakes when I came here and I knew a fair bit, less than I thought I knew but still quite a bit. If I'd have rushed in then I guess I'd have been through bankruptcy already just trying to get it all over and start the clock to redemption as soon as possible. Now, I have a much better and more thought out plan and I should emerge the other side far better off, even financially, than I thought possible. That is down to a little bit of work from me and a lot of help from the people here. Just hang in there.