Fredrickson intl

Arfhurdaly

Thanks mr.ton. I have creditreport alerts on, so will be able to see pretty quickly if so.

DarkConvict

Ah, if they have no added on the court costs, then it makes more sense. Probably is a bluff, but are you currently making a payment to them?

Arfhurdaly

Not paying them anything at the moment. Havent done for nearly a year.

DarkConvict

Then it is probably a bluff, but they could go for a CCJ if they wanted. Once the contract has been defaulted it is the option they have open to them at any time. They only need to have reason to secure the debt for failure to pay, or if the rate of payment been offered was to low to cover the debt in a reasonable time. if you defend a CCJ the judge will set an affordable amount based on your income/outgoing.

Would you mind them taking out a CCJ against you to enforce payment?

Arfhurdaly

It wouldnt bother me too much at this time, as I have no assets, and only have £50 surplus at the end of the month.

What happens in ccj, do you just pay the creditor, what the court sets out, until your circumstances change?
Do they halt charges & interest?

FTW

Most of it will be bluster and impotent muscle-flexing. If it's just Fredricksons, I'd go with the CCA request for now - if they try to continue collection activity after the 12+2 day deadline, report them to the OFT. But it is also worth researching as much as you can on Carter - he's a bit of a one-trick pony, and as soon as you suss him out, he backs off.

DarkConvict

I believe this is what happens

10past6 could give a more detailed and more accurate response.

1. Creditor applies for a CCJ, lists the amount owed and why.

2. Debtor is sent a letter by northampton bulk processing centre asking if they want to defend.
Always say you want to defend Readme (Advice from 10past6) - https://forums.moneysavingexpert.com/discussion/2045387
3. Case is moved to a local court

4. You are given a chance to enter a defence and submit a budget sheet for what you can afford.

5. You turn up in court, both sides have there says and the judge makes a decision. Creditor must show proof money is owed, i.e. CCA.
5a. Favour the creditor. Judge sets the amount you pay per month based on what you can afford, judge may ask to see bank statements for proof your budget sheet is correct. Creditors have no legal right to see the bank statements only the judge.
5b. Favour the debtor. Case dismissed, CCJ not granted but debt is still owed.

6. Pay debt in full within 30 days or it is put on your credit file, lasts 6 years from date of hearing. Does alot of damage to your credit worrthiness.

7. If paying monthly make sure you stick to the terms, ensure payment is always on time. Never pay twice in one month to cover the next as it does not count towards next months payment. Failure to stick to the terms of the CCJ means bailiffs can be used.

N.b. if you do not defend/turn up at court you lose by default. And generally with no min payment set you have 30 days to pay in full or bailiffs are issued. You have to pay the bailiff costs.

Arfhurdaly

Great post.

Thanks DC.

FTW

One of Carter's more notorious tricks is to address correspondence to a previous address, so he wins judgement by default. If you research him online, you'll find A LOT of that goes on where his name's linked.

If that happens, let the court know, but also report Carter to the OFT and the Socilitors Regulation Authority.