Enforcement action...Brian Carter solicitors...

LolitaLove

Hi everyone,

I ran up a debt of something like £100 on a catalogue about 5/6 years ago...went off to uni and forgot about it once the letters stopped. I know it was stupid but I was like 18 at the time, and not used to getting credit. Fast forward to last year, and I started getting threatening letters from bryan Carter solicitors for around £500 (the original debt plus fees).
I contacted them and made a payment plan, which they accepted. Further down the line I learned (from BC solicitors) that there was a CCJ out for the debt to my current address...however I'd had no correspondance of this at all...first thing I knew of it was when BC mentioned it.
Anyway, I just made the monthly payments. At the time I was caring for someone and the payments they wanted were based on me working full time, even though I wasn't. I just carried on making the payments though to save hassle.
I've been continuing payments, but this month had an unexpected emergency and cannot make payments until I get paid...which is the 17th of this month. I was supposed to pay on the 10th. So I rang BC and asked to pay on the 17th instead.
They told me that I couldn't do that, and if I didn't pay now the creditor would take enforcement action. They said I'd better borrow the money and pay now or enforcement action will be taken.
Is this true...and likely to happen? Or are they just trying to scare me?
The reason I ask, is that when I started my new job, I defferred the payments for a month until I got my first wages. So I have been allowed to defer for one month before, but now if I defer for seven days on another occassion they'll take ''serious action''?
Can anyone please advise on whether I should try to borrow the money and pay asap or if they are just trying to scare me?


Also....does anyone know if a CCJ has been issued, whether I should be just paying back the original debt? The original debt was like £100 and would be paid by now, but the debt I am paying is closer to £600 which is for BC fees, late payment fees etc. However a friend told me CCJ's don't usually take into account interest/late payment charges etc and only the actual debt incurred. Any advice on this is gratefully appreciated, thanks

vax2002

You need to do a credit check to see the details, it may be a statue barred debt and you can just tell them to take a running jump and think themselves luck what they have got so far.
Pay and get the credit file.

vax2002

What the pundits will need to know:
The date of the Default
CCJ YES OR NO if Yes date on the ccj
date of last payment
date of first payment on repayment plan
Armed with this info from the credit file the pundits will help out.
Come back when you have the information required.

LolitaLove

vax2002 wrote: »

What the pundits will need to know:
The date of the Default
CCJ YES OR NO if Yes date on the ccj
date of last payment
date of first payment on repayment plan
Armed with this info from the credit file the pundits will help out.
Come back when you have the information required.

I have accessed my credit report
It says no CCJ...I think! It says info on public records...details on court judgements, bankruptcies, IVA's etc...none held. Does this mean there is no CCJ?

And now even more confused, and a bit worried...I've paid over £200 and the balance of the account is the same! No record of the £200 paid?!

There is only details of the original creditor, date of credit and date of default. There is no info on the repayment plan, or BC.
The account I'm being charged for...it states that account was started in December 2005. However, I'm sure it was earlier than that! Also, it says the first default was made in 2008....which isn't right either. I think I made about 2-3 payments, then went to uni and didn't hear from them again...why would a default show up three years later? I'm very confused I know I took the debt out pre 2005.