how do i find out if i have recieved a ccj?

Hannah_10

Right, we can help with that.

You are going to need to know exactly what you owe and in what stage the debt is, the best way to get a picture of it if you haven't got your own records is from your credit reports. As I said, that might take a week or two to find out.

After you find out what you owe exactly, to whom and at what rate of interest then you're ready to do a Statement of Affairs. That's like a big sheet with a lot of information about your income, your spending and your debts. There is a post about those called "help for new people and soa calculator" (or similar) at the top of the message board.

There are simple ways to stop creditors hounding you by phone, email or in person- we have template letters for most eventualities. So that means that calls, visits, CCJ's and baliffs can all be made to not happen in the first place. Even if you turn out to already have a CCJ against you you might be able to get it taken off. You might also be able to get the interest frozen on your debts to stop them going up and to make a plan of small repayments you can genuinely afford till they're cleared. Or there's something called an IVA which is a sort of a halfway house between paying the lot off really slowly and bankruptcy. Finally bankruptcy is an option you have open to you if when you've found out all about the other options you still want to go that way. No matter how little you have coming in, no one's debt problems are unfixable. It's just a matter of learning how to approach it.

I know exactly how you feel, I and about half the rest of the board have been there too.

There are other good places to get debt advice too. National Debtline, the Citizens Advice Bureau, the Consumer Credit Counselling Service and Christians Against Poverty are all charities which work to help people get out of debt, with sound advice and sometimes by managing your repyaments and other practical help. Ignore anyone else as they're in it for a profit and they can't do anything for you that you can't do for yourself or a charity can't do.

Step one: Credit files
Step two: SOA
Step three depends on steps one and two.

Hannah_10

Gordon_Hose wrote: »

They will hound you eventually. It won't jut go away.

What complete scaremongering tosh. Do you teach your kids there really are ghosts under the bed too?

stokefan

Gordon_Hose wrote: »

They will hound you eventually. It won't jut go away.

i know, its all just been a struggle in circumstances, i was living at my parents when i started having credit cards etc and could afford my debt, i then got my then mrs pregnant, we then got our own place (i was the only one earning) then had the nipper (went court for access), few months later i lost my job, then me and the ex broke up, then i managed to find a job on agency, that ended had a few health issues, sorted all that, and now am on jsa.

I know its all my own doing, but it was just all these changes which have made it difficult to sort my debts out, and then there was me burying my head in the sand aswell.

stokefan

Hannah_10 wrote: »

Right, we can help with that.

You are going to need to know exactly what you owe and in what stage the debt is, the best way to get a picture of it if you haven't got your own records is from your credit reports. As I said, that might take a week or two to find out.

After you find out what you owe exactly, to whom and at what rate of interest then you're ready to do a Statement of Affairs. That's like a big sheet with a lot of information about your income, your spending and your debts. There is a post about those called "help for new people and soa calculator" (or similar) at the top of the message board.

There are simple ways to stop creditors hounding you by phone, email or in person- we have template letters for most eventualities. So that means that calls, visits, CCJ's and baliffs can all be made to not happen in the first place. Even if you turn out to already have a CCJ against you you might be able to get it taken off. You might also be able to get the interest frozen on your debts to stop them going up and to make a plan of small repayments you can genuinely afford till they're cleared. Or there's something called an IVA which is a sort of a halfway house between paying the lot off really slowly and bankruptcy. Finally bankruptcy is an option you have open to you if when you've found out all about the other options you still want to go that way. No matter how little you have coming in, no one's debt problems are unfixable. It's just a matter of learning how to approach it.

I know exactly how you feel, I and about half the rest of the board have been there too.

There are other good places to get debt advice too. National Debtline, the Citizens Advice Bureau, the Consumer Credit Counselling Service and Christians Against Poverty are all charities which work to help people get out of debt, with sound advice and sometimes by managing your repyaments and other practical help. Ignore anyone else as they're in it for a profit and they can't do anything for you that you can't do for yourself or a charity can't do.

Step one: Credit files
Step two: SOA
Step three depends on steps one and two.

thanks i will do that.

will my credit files show who i currently owe the money too?

for example if i had a credit card with natwest and they sold the debt on to some one else will it show me the bank i took out the credit with and the company who i owe the money to now?

Gordon_Hose

Hannah_10 wrote: »

What complete scaremongering tosh. Do you teach your kids there really are ghosts under the bed too?

It's not "scaremongering tosh".

Why would I teach my kids that ghosts live under the bed, we all know they live in the wardrobe.

Hannah_10

Yeah your credit files should have all of your creditors (people/companies you owe) and your debts on and should show what the debt stands at, what your payment history has been like, if they've filed any default notices (notes on your file to say you've not payed) and lots of other information.

There's always the chance one of your creditors for some reason hasn't made any mark on your file at all but don't worry about that, it's rare anyway and if they want paying they can always write. Sometimes parking tickets result in CCJ's which end up not on your credit file and occassionally other things don't appear on there either. Credit card companies and catalogs though aren't known for forgetting to file.

Hannah_10

Right so if the wardrobes full then where are the monsters going to fit? I've seen Monsters Inc. you can't fool me!

Gordon_Hose

Hannah_10 wrote: »

Right so if the wardrobes full then where are the monsters going to fit? I've seen Monsters Inc. you can't fool me!

The monsters live under the bed *tut*

Hannah_10

Right so at yours there's baliffs on the doorstep, debt collection agencies on the phone, ghosts in the wardrobe and monsters under the bed... The upside of this is there's very little room left for big black hairy-arsed spiders I suppose.

Gordon_Hose

Hannah_10 wrote: »

Right so at yours there's baliffs on the doorstep, debt collection agencies on the phone, ghosts in the wardrobe and monsters under the bed... The upside of this is there's very little room left for big black hairy-arsed spiders I suppose.

They are down the plugholes.

No bailiffs or DCA's though.