CCJ from an 'incident'

noodles86

Quentin wrote: »

Ignore spacey2012.

He has "form" when it comes to dishing out bad advice (in this authoritive manner) over matters like this:

forums.moneysavingexpert.com/showthread.php?t=4756441

The insurer will deal with all of this, but if you start trying to interfere by contacting the court yourself, then you run the risk of jeopardising the outcome.

Thanks,

I'm not getting involved in anything official, just trying to put a rocket up my cousins !!!! to sort out the situation. With most things in life, ignoring any thing only comes back to bite you twice as hard.

Thanks for everyones replies.

wba31

so has he ACTUALLY received a CCJ or is it being threatened by a collection agency on behalf of the original insurers?

a CCJ, when received, has court details on the front page and is light blue in colour.

Either way, insurer at the time needs notifying...

noodles86

wba31 wrote: »

so has he ACTUALLY received a CCJ or is it being threatened by a collection agency on behalf of the original insurers?

a CCJ, when received, has court details on the front page and is light blue in colour.

Either way, insurer at the time needs notifying...

I've got no idea, the letters were both cream coloured. I didn't know things were different colours. No threats from anyone but well, there will be some sort of come back if its not sorted.

On a positive note, my cousin is phoning his previous car insurance on Monday and he had said he has acted like a d!ck but has been under a lot of pressure at work the past month and couldn't think about it.

Thank you to everyone that has replied.

arcon5

Quentin wrote: »

Ignore spacey2012.

He has "form" when it comes to dishing out bad advice (in this authoritive manner) over matters like this:

https://forums.moneysavingexpert.com/discussion/4756441

The insurer will deal with all of this, but if you start trying to interfere by contacting the court yourself, then you run the risk of jeopardising the outcome.

This is bad bad bad advise op - now a CCJ has been obtained there is a real risk they could instruct bailiffs or even worse pass it on to the sheriffs office.

Deal with the straight away - absolutely involve the insurance ompany also but certainly do not rely on them to act fast.

The fact he's moved address is irrelevant - getting the new address is easily done and the enforcement will involve the current address.

If he ignores it then tell him not to come crying when it all blows up in his face - and it will.

Also don't forget if he ignores it then the CCJ will be on his credit report.

wba31

arcon5 wrote: »

This is bad bad bad advise op - now a CCJ has been obtained there is a real risk they could instruct bailiffs or even worse pass it on to the sheriffs office.

Deal with the straight away - absolutely involve the insurance ompany also but certainly do not rely on them to act fast.

The fact he's moved address is irrelevant - getting the new address is easily done and the enforcement will involve the current address.

If he ignores it then tell him not to come crying when it all blows up in his face - and it will.

Also don't forget if he ignores it then the CCJ will be on his credit report.

Why is the sherrif's office worse than a bailiff? will he ride out and arrest him before going back to the saloon?

if non payment of a CCJ occurs a warrant of execution must be applied for before a bailiff comes out. A bailiff cannot break into the property or take the car off the drive, and any levy they make must be signed for it to be later enforced. county court bailiffs are salaried, therefore not paid permission, and most will simply advise someone they are persuing to fill out an N245 and make an offer of payment via that form. yes it affects your credit file, but it's not as scary as the scaremongerers will have you believe.

fivetide

wba31 wrote: »

Why is the sherrif's office worse than a bailiff? will he ride out and arrest him before going back to the saloon?

if non payment of a CCJ occurs a warrant of execution must be applied for before a bailiff comes out. A bailiff cannot break into the property or take the car off the drive, and any levy they make must be signed for it to be later enforced. county court bailiffs are salaried, therefore not paid permission, and most will simply advise someone they are persuing to fill out an N245 and make an offer of payment via that form. yes it affects your credit file, but it's not as scary as the scaremongerers will have you believe.

In suspect the OP is in Scotland and not England. Hence it is likely to be a Sheriff Officer appointed by the court that is collecting the debt.

More information here http://www.adviceguide.org.uk/scotland/debt_s/debt_action_the_creditor_can_take_s/sheriff_officers_scotland.htm