Threat of removal contractors to seize goods

DCFC79

Instacertainty wrote: »

I went to University 12 years ago but had to leave at the start of the second year due to financial problems. Part of this meant I couldn't pay my accomadation costs. The University took me to court and I a county court judgement was setup of £1.00 per month. I've been paying this for years.

Today a letter was sent to my parents address (the address I used to live at, when the CCJ was awarded) - the letter says that they will be attending the premises with "removal contractors" on 17.7.2013 to "seize and remove" sufficient good to cover the outstanding amount (about £4,000).

I'm not sure what to do, so far I have written them an email to their email address on the letter - as this will be logged - and said: -

• That I wasn't aware there had been a problem with any of the payments, if the credit management company are disputing payment of any of the monthly £1's - then I want them to tell me which ones they are disputing.
• That the address they have written to is a mailing address and I don't live here.

They actually visited the adress about a month ago and my dad answered the door and told them I didn't live here (I assume it was them, as no one else is knocking on the door like this...).



I've sent the e-mail now, but don't know where I stand.



I have stayed in this house on and off in the past - but I don't live here. The £1 charge MAY have not got to them one or two months, when I had to withdraw cash to pay for rent, and I went overdrawn but I'm not too sure. I'll need to check.



My main questions, are, can I do anything to stop them coming to my parents house, and can I do anything to stop them chasing me in this threatening manner, and for me to revert back to the court order, even if they have not received one of the payments?



Thanks for your advice.



I do work full time, but have really stretched funds, and have no money in my bank - so can not afford legal advice.



Thanks

The address you put down was where you are staying as far as those chasing you are concerned, how are the debt collectors to know you dont live there and just use it as a mailing address ?

bargainbetty

Notify them of the change of address, and ask to be provided with a copy of the amendment to the CCJ stating that you could pay £1 per month, containing full details of the revised sum, as you have not been made aware of the necessary proceedings.

Advise them that you revoke the 'implied right of access' to attend your property, unless and until you make an appointment with them, or a court notice is served entitling them to do so without an appointment.

If they can't provide either, then advise them that you will continue at the agreed monthly rate.

Then save up a chunk and offer them a full and final reduced sum to clear the debt, while saving as much as possible.

[Deleted User]

Instacertainty wrote: »

county court judgement was setup of £1.00 per month. I've been paying this for years.

Instacertainty wrote: »

I wasn't aware there had been a problem with any of the payments, if the credit management company are disputing payment of any of the monthly £1's - then I want them to tell me which ones they are disputing.

Instacertainty wrote: »

The £1 charge MAY have not got to them one or two months, when I had to withdraw cash to pay for rent, and I went overdrawn but I'm not too sure. I'll need to check.

Martin Lewis would be proud

:money:

Dovah_diva

matttye wrote: »

This is irrelevant. If the court hasn't amended the order, they have no right to any more than £1 per month.

However, if they failed to pay their derisory £1 on time at any point the agreement is null and void.

matttye

Dovah_diva wrote: »

However, if they failed to pay their derisory £1 on time at any point the agreement is null and void.

The creditor would still have had to go back to court to enforce the judgment. The OP really needs to find out what, if anything, has occurred since the last hearing.

They can't just turn up and start taking goods; they need an order from the court to do that.

rizla_king

Removal contractors?

Any genuine notice from the court would reference bailiffs and that a warrant of execution had been granted on such a such a date.

This just sounds like some scummy debt collectors trying it on.

Dovah_diva

matttye wrote: »

The creditor would still have had to go back to court to enforce the judgment. The OP really needs to find out what, if anything, has occurred since the last hearing.

They can't just turn up and start taking goods; they need an order from the court to do that.

This is true.