help please

mandyl

hi all,
can someone put my mind at rest pls?
iam receiving help and advice re my debts. i got a letter this morning from kpr debt collections about my debt with nationwide.
the usual pay of debt immediately etc.
the bit im worried about is they then say about ccj etc.
they then say they would look to enforce judgement by appyling for either charging order,balliffs or deductions from salary.(i dont work)
now i think i know about balliffs and believe this is rubbish. but would really really apreciate any help as im a huge worryier.
the debt is for an overdraft. thanks very much mandy

miggy

Just bumping this for you Mandy!
Come on you people who know about these things please!

10past6

If you do receive a CCJ, providing you adhere to the courts instructions you'll be OK, if your unable to adhere to the courts instructions post here for advice.

Should you ignore the courts instructions, the claimant has the right to apply to the court for an attachment of earnings / bailiffs i.e. to enforce the debt, the latter two are a long way of at this stage.

If you do receive a court claim, post here for further advice.

mr.ton

If its any consolation...DCA's usually dont like going anywhere near courts as it costs them money to do so - thats why they just relay on threats & intimidation etc..

hullight

Who are you getting advice from OP? There are good, free places like CAB, CCCS, PayPlan, etc. in case you are paying for it.

The key word in the letter will be 'may' - it is possible for them to do those things, but if you offer a reasonable repayment amount you should be fine. Relax for the time being!

mandyl

thanks guys.
im with community legal services and have a case worker helping me.
i was hoping it was threats as i was sure balliffs dont come. unless u dont do as court says if it goes that far. but being on my own and a worrier i panicked