At LBCCC stage (I think) - please advise!

fairleee

Bumping this for update rather than making a new thread:

So, I finally had a response to my letter, only about two months after sending it! As expected, it's another form letter. No response (or even acknowledgement) to my letter; simply demanding that I pay within 14 days or recovery action will begin.

So, my plan is to write another letter, again disputing the existence of the debt, demanding that they follow the Practice Direction and respond to my requests etc. However, there were a couple of areas I'd like to get some advice on.

Firstly, I want to address the delay in how long it took them to send this "response". I know that their failure to do so promptly does not automatically void their claim, but given that I am expected to respond within 2 weeks, surely there is some expectation of a similar turnaround time from them? What is the best way to address this in my letter?

Secondly, they have made a thinly veiled threat in the letter: "Please see [web link] for a list of a few recent court cases. A CCJ will seriously affect your ability to obtain credit or a mortgage". This is essentially a threat, yes? Even if this goes to court, and I am ordered to pay (and do so), there is no lasting effect on my credit record, is there? From what I understand, doesn't a CCJ only stay in place until you make the payment? I'd love to get some clarification on this.

Thanks!

Redx

assuming that you lost , if a judge orders the claim be paid, (his judgment) within the usual 28 days , then as long as it is paid there is no CCJ

the CCJ only happens AFTER 28 days if the judgment remains unpaid , then a CCJ and enforcement can occur