Help needed re Marstons bailiff visit please

SusieR56

Hi Folks

I wonder if anyone can help me please? I received a letter last week to an old address from 'Marston High Court Enforcement Officers & Certificated Bailiffs' regarding an unpaid ccj a couple of years old. The ccj was for a credit card debt.

Marston are threatening to send a 'Licensed Field Officer' to 'discuss my account and payment proposals'. So I'm expecting a visit from the bailiffs BUT Upon looking at the Marston website I noticed this statement:

'In order for Marston Group to enforce a County Court Judgment it must be transferred to the High Court', and in particular this bit: 'Please note that we are unable to transfer a Judgment where the debt is based upon a regulated agreement under the Consumer Credit Act 1974.'

So does this mean that they don't offer to enforce a (credit card) ccj such as mine?

Any comments very much appreciated :beer:

geoffky

Bump this for you

jo-bo

I'm not an expert but I think that a bailiff can only get a judgement to come and seize goods in relationship to non payment of council tax or to remove you from your property if you've been evicted. With credit cards and loans I think that they look to get a charging order placed on your property ( if you own it/mortgage ) so that when you sell they their money from any profit.

DVardysShadow

jo-bo wrote: »

I'm not an expert but I think that a bailiff can only get a judgement to come and seize goods in relationship to non payment of council tax or to remove you from your property if you've been evicted. With credit cards and loans I think that they look to get a charging order placed on your property ( if you own it/mortgage ) so that when you sell they their money from any profit.

This is entirely misleading. Firstly, bailiffs do not get judgement themselves - they are hired to enforce judgements obtained by others.

Bailiffs can and do seize goods for all sorts of debts, including credit card and loan debts and not just council tax. Using a charging order rather than bailiffs is purely down to the preference of the creditor.

jo-bo

DVardysShadow wrote: »

This is entirely misleading. Firstly, bailiffs do not get judgement themselves - they are hired to enforce judgements obtained by others.

Bailiffs can and do seize goods for all sorts of debts, including credit card and loan debts and not just council tax. Using a charging order rather than bailiffs is purely down to the preference of the creditor.

Which is why I said I'm not an expert and that that was what I thought. Shame you weren't here with some advice yesterday.