Struggling with ccj debt

thechippy

Don't give up yet...

If they don't co-operate, send a sar (subject access request) it will cost £10 and they 40 days to comply. The sar should contain EVERYTHING relating to you and the case.

It's not unusual at all for hceo's to charge way more in fees etc than they are allowed to.

There is plenty of room left here for a fight with them.....;)

sdoherty1000

Letter sent out recorded so they cant deny it turned it. I have asked for a copy of the original warrant/order and a breakdown of all charges past and present. Again, thanks guya for all your help.

hallowitch

now i don't know much about HCE but what i do know if Gaunts are acting as HCE to enforce this debt the must have writ of fifa

you may also be interested to know a writ of fifa only lasts 12 months

I am 99% sure that Gaunts cant add interest to the debt
there fees are astronomical however i belive most of them can be questiond

I would start by sending them a subject access request

sdoherty1000

thank you hallowitch that sounds like something i else i need to look into

thechippy

hallowitch wrote: »

now i don't know much about HCE but what i do know if Gaunts are acting as HCE to enforce this debt the must have writ of fifa

you may also be interested to know a writ of fifa only lasts 12 months

I am 99% sure that Gaunts cant add interest to the debt
there fees are astronomical however i belive most of them can be questiond

I would start by sending them a subject access request

Exactly,

That's why we need the documentation. I'm 110% sure we can challenge the charges.

sdoherty1000

havent had word from cn gaunt as of yet. Are they still allowed to take payment?

sdoherty1000

It comes out as a "deb" so how do i lower that amount to £40 till i get it sorted thanks

sdoherty1000

So today is day 22 and still no word from cn gaunt!!!!

sdoherty1000

Still no word from the debt collection agency!! I have requested details of all the charges and also the original warrant etc. In the letter I stated that they had 21 days to comply with the letter. What do I do now?

EDIT- I have just rang and they told me that they are waiting for the client to send them the files that I have requested. Is this not something they should have on record so they know how much they are legally allowed to charge?

hallowitch

did you send a subject access request
did you include the fee £10

if yes they have 40 days to reply

why don't you post on the consumer action group they have a forum dedicated to bailiffs and HCEO a few of the posters over there are very very good with HCEO
http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?168-Bailiffs-and-High-Court-Enforcement-Officers