Letter from Advantis collections

frenchplonka

SO after sorting out my lowell debts to a degree im now tackling a debt with a company called Advantis in relation to a Yorkshire water services bill for £1,311.81!!!

The letter starts with ' Despite our previous letter requestig you contact us with regards the outstanding county court judgement obtained against you by our client this matter is still unresolved.

What is the best way to go forward with this im assuming this is for a previous property that i lived at as my current bill is upto date I didnt attend any court dates and to be honest I have no idea about this one.

What is the best way forward without messing up any possible statute barred claims etc a

sourcrates

frenchplonka wrote: »

SO after sorting out my lowell debts to a degree im now tackling a debt with a company called Advantis in relation to a Yorkshire water services bill for £1,311.81!!!

The letter starts with ' Despite our previous letter requestig you contact us with regards the outstanding county court judgement obtained against you by our client this matter is still unresolved.

What is the best way to go forward with this im assuming this is for a previous property that i lived at as my current bill is upto date I didnt attend any court dates and to be honest I have no idea about this one.

What is the best way forward without messing up any possible statute barred claims etc a

Won't become statue barred as a CCJ has been registered against you.
Look on your credit file it will tell you the date the CCJ was registered.

You may have to make an arrangement to pay on this one or risk further action from the creditor such as "an attachment of earnings order" or bayliffs !!!

frenchplonka

sourcrates wrote: »

Won't become statue barred as a CCJ has been registered against you.
Look on your credit file it will tell you the date the CCJ was registered.

You may have to make an arrangement to pay on this one or risk further action from the creditor such as "an attachment of earnings order" or bayliffs !!!

Cheers great and useful as ever deffo the go to guy on debt help!

National_Debtline

Hi there,


In order to vary a CCJ you will need to fill in an N245 form, this can cost up to £50. You can use this form to set up an instalment plan to prevent the creditor using court enforcement as mentioned above. We do have a factsheet about this that may help you.


Do you know when the judgement was obtained? Did you receive the original court papers? Is there any dispute on the balance owed? If there is a dispute then you may be able to challenge the judgement even at this stage, but you may need more detailed advice from one of the free debt agencies for that.


Laura
@natdebtline

frenchplonka

National_Debtline wrote: »

Hi there,


In order to vary a CCJ you will need to fill in an N245 form, this can cost up to £50. You can use this form to set up an instalment plan to prevent the creditor using court enforcement as mentioned above. We do have a factsheet about this that may help you.

What is vary a judgement

Do you know when the judgement was obtained? Did you receive the original court papers? Is there any dispute on the balance owed? If there is a dispute then you may be able to challenge the judgement even at this stage, but you may need more detailed advice from one of the free debt agencies for that. Laura
@natdebtline

I belive it was obtained sometime in 2010 however i dont have a copy of my credit file and cant pay the £2 atm to get one. I moved out of the property in 2012 and never got any papers then but i have has a collections letter last week at my new house. The balance is owed by myself however i was unemployed and just let it get out of hand

Currently im unemployed and well homeless sofa surfing atm my current role ended and im in process of applying for benefits i certainly will never be able to clear £1,300!!

frenchplonka

Will hold of replying to there email until i get a reply

National_Debtline

Hi there


Where has this letter been sent to - a previous address, your family home for example? If you are sofa surfing at present, I assume the creditor cannot know your precise location.


As far as I am aware, Advantis are simply a debt collection agency, not enforcement agents who act on court warrants. Either way, if you (or anyone who lives at the address where this letter was sent) receive any visits from anyone collecting this debt, do not let them in. They have no powers whatsoever to force entry to collect this sort of debt.


If you own a vehicle and are expecting a visit from any enforcement agents, you should park it a safe distance away from wherever you are staying.


I don't think there's any need for you to panic, nor to fill in any forms just yet, but I do think you would be wise to contact one of the debt charities for more detailed advice as it's difficult to offer that here without knowing too much about you.


Dennis
@natdebtline

patman99

If you are in the process of applying for benefits and are sofa-surfing then try contacting a debt charity. They may well advise a DRO. This has a cost, but this will wipe out the debt if the creditor agrees.