Custody Warrant NI Courts

pepper33

I am already in a payment arrangement with my creditor, but have received this? Can they imprison you for credit card debt??

Old_Git

no .Credit card debt is a civil matter .It is an unsecured loan ,unless you have committed fraud

qwert_yuiop

No, but it means you need to pay up quickly or they can start seizing anything of value that you own. Contact your creditor immediately.

BigAl94

qwert_yuiop wrote: »

No, but it means you need to pay up quickly or they can start seizing anything of value that you own. Contact your creditor immediately.

Not in NI they can't.

pepper33

But i am paying them

qwert_yuiop

BigAl94 wrote: »

Not in NI they can't.

Look it up. Let me know if you find something else.

irishjohn

If you’ve received a custody warrant

If you’ve received a custody warrant, someone you owe money to has obtained a court order to recover the money and has asked the Enforcement of Judgments Office (EJO) to recover it on their behalf.

What you can do
There are a number of options available to you. You can:

pay by cash in person at the EJO - it is recommended that cash is not sent through the post
pay by personal cheque or postal order
Cheques and postal orders should be made payable to ‘Northern Ireland Courts & Tribunals Service’ or ‘NICTS’.

You should send the payment to the EJO quoting the reference number noted on the custody warrant (this can be found on the right hand side of the custody warrant or letters you have received from them). The EJO does not give out payments books, but they will issue a receipt for every payment made.

If you disagree
If you disagree with the amount of money on the custody warrant, you should contact the person you owe the money to, or their solicitor and ask them to update the EJO with any new balance. However, you should remember that the increased amount could relate to court costs, interest and the EJO’s fees that have been added on.

What happens next
The EJO will set up an interview with you to discuss repayment of the unpaid debt and complete a report on your finances, assets and income. An enforcement officer may conduct this interview at your home or you may be summonsed to go to the EJO’s office or your local courthouse. It is very important that you go to this interview when requested.

Removing furniture or goods from your property
The EJO does have the power to seize goods, but some goods are exempt from seizure and these are included on the custody warrant. Seizure will not happen if a reasonable offer is made (and agreed by EJO) to pay the unpaid debt and any arrangement is adhered to.

Public Register of Debtors
If you have received a custody warrant, your details are now recorded on the Public Register of Debtors, and may be viewed by any person who does a search through the EJO.

Details of the enforced judgment will appear on the Register for six years from the date of entry. This may also affect your credit rating.

pepper33

Thank you. But the creditor has already sccepted my payment

warmhands.coldheart

could it be the court proceedings were already underway/in the system before the agreement was made between you and your creditor? This is the result of that?

From what I've seen, yes they can remove stuff, even in Northern Ireland..

Also, A Custody Warrant will effect your credit rating and stays on record for 6 years from what I can see so would you just be as well to bite the bullet (not saying it would be an easy way out) and declare bankruptcy to clear all your debts?

Public Register of Debtors
If you have received a custody warrant, your details are now recorded on the Public Register of Debtors, and may be viewed by any person who does a search through the EJO.
Details of the enforced judgment will appear on the Register for six years from the date of entry. This may also affect your credit rating.

donnac2558

I was told by Citizens Advice, that in NI bailiffs cannot come and take your property. Only if you are a business and owe to Government such as VAT,Customs people etc.

It costs the creditors money to take you to court, so if you are a pensioner, low income or not working they just won't do it. That is of course if you set up an agreement with them and keep to it.

They cannot take furniture, beds, sofas and chairs, fridges, cookers. It you have a car of course they would grab that.

pepper33

This is obviosly a greedy solicitor as an agreement has already been teached and he is just ignoring that