Debt- Shielding yourself from the Courts/Baliffs? would a token payment do ?

Galeeno

If there is a credit card debt, and then no payments have been made for 3+ months, collection agencies letters + calls came.


then 4 more months (in the future) the worse case scenario is they can go through court to do a CCJ correct?

and bailiffs come to try to possess things?

3 months = No payment made, Letters come from collection agencies
4 Months after = What action can be taken in these 4 months? to reduce the chances that if it went to court over a judgement, that the judge will be more lenient?

eg, £5 a month with Direct debit can be paid towards the card, so that at least they can show that you are making something... rather than Nothing.

or, eg, tell the creditor , you will be getting £5 a month, or you will be declaring yourself bankrupt? (which case they will be happy to have the £5)

but just asking, for a way to get them off our back... so something that we can do, (eg the £5 month payment)

- to be shielded from the bailiffs/courts... so it shows 'something has been done' compared to nothing.


NOTE- the option we are asking for, Cannot be a DRO, DMP, or IVA... but asking for something that can be done ourselves, rather than a 3rd party.

poppasmurf_bewdley

Galeeno wrote: »

If there is a credit card debt, and then no payments have been made for 3+ months, collection agencies letters + calls came.


then 4 more months (in the future) the worse case scenario is they can go through court to do a CCJ correct?

and bailiffs come to try to possess things?

3 months = No payment made, Letters come from collection agencies
4 Months after = What action can be taken in these 4 months? to reduce the chances that if it went to court over a judgement, that the judge will be more lenient?

eg, £5 a month with Direct debit can be paid towards the card, so that at least they can show that you are making something... rather than Nothing.

or, eg, tell the creditor , you will be getting £5 a month, or you will be declaring yourself bankrupt? (which case they will be happy to have the £5)

but just asking, for a way to get them off our back... so something that we can do, (eg the £5 month payment)

- to be shielded from the bailiffs/courts... so it shows 'something has been done' compared to nothing.


NOTE- the option we are asking for, Cannot be a DRO, DMP, or IVA... but asking for something that can be done ourselves, rather than a 3rd party.

If the Bailiffs come to repossess things, then it's gone past the time for the judge to be lenient. The Bailiffs come when it's gone through the stages at court where you can apply to pay £5 per month or whatever.

Galeeno

poppasmurf_bewdley wrote: »

If the Bailiffs come to repossess things, then it's gone past the time for the judge to be lenient. The Bailiffs come when it's gone through the stages at court where you can apply to pay £5 per month or whatever.

But would paying the £5 a month 'before' they are lenient, help, to show that they are for now paying £5 per month?

(as no court letter has come), but just chasing up letters...


Would paying £5 a month now, look better to the judge, compared to giving £0 a month/? (I am on about BEFORE the court stuff starts to happen ?)

poppasmurf_bewdley

Galeeno wrote: »

But would paying the £5 a month 'before' they are lenient, help, to show that they are for now paying £5 per month?

(as no court letter has come), but just chasing up letters...


Would paying £5 a month now, look better to the judge, compared to giving £0 a month/? (I am on about BEFORE the court stuff starts to happen ?)

If you can afford to be paying something off the debt, then surely you should be doing so, whether it helps or not.

Becka38940

I've heard of plenty of people paying over £100 a month who are issued with CCJs and charging orders. It's a common myth that if you are doing something they will do nothing.

Also wouldn't recommend threatening bankruptcy. They are probably wise to this as it seems a lot of people have pulled that card and when they make so much money what is one debt to them!

Easiest thing is to maintain communication, set an affordable plan and stick to it till it's gone, after all.. You did borrow the money from them!