So I got my CCJ: Now what?

Mistermeaner

So I got my CCJ: Now what?

I was unlucky enough (or stupid enough) to pay a dodgy tradesman (crook IMO) £500+ as a deposit for work that was never carried out.

Long story short I undertook civil proceedings and have been eventually awarded a CCJ against him.

I know from several other people in a similar position that paying for bailiffs to attempt recovery is good money after bad as he appaerently doesn’t ‘own’ anything

However I am reasonably well informed that he has ‘means’ of some description as he eats, and drinks, and drives a car and runs a van etc. etc.

I have been looking at enforcement options and one option is to force him to come to court and disclose various aspects of his finances https://www.gov.uk/government/publications/form-n316-application-for-order-that-debtor-attend-court-for-questioning

Hopefully this would compel him to reveal where his cash is etc. and what he own such that recovery can then be properly targeted (vs the bailiffs who just ineffectually knock on this door)

Does anyone have any experience of using this route? How effective is it?


Thanks

lincroft1710

Mistermeaner wrote: »

However I am reasonably well informed that he has ‘means’ of some description as he eats, and drinks, and drives a car and runs a van etc. etc.

1. If he didn't eat, he would starve

2. If he didn't drink, he would die of thirst

3. The car could be on lease or HP etc

4. The van could be on lease or HP etc

Mistermeaner

Thanks ; yes I know - however he is clearly earning money to pay for these things, some of which is mine by legal right

Oakdene

Call the Sheriffs!!!!

steampowered

An order for the debtor to come to court for questioning still ultimately relies on the debtor coming to court. He may just ignore the paperwork.

You could ultimately escalate things to the stage of having him imprisoned for contempt of court if he still refuses to attend. But unsurprisingly there are a lot of hoops to jump through and court applications to be made before you get to that stage.

If the debt is more than £600 try sending it to HCEOs. Though ultimately may not be a great deal they can do if the cars are on finance.

Do you have his bank account details? If so consider seeking a third party debt order.

Mistermeaner

I did have his bank details ; doubt they still valid though

3rd party debt order as I understand it involves me paying 100quid gambling that at the moment the freeze is placed I (a) get the right account and (b) it actually has something in it at that very point in time

steampowered

Mistermeaner wrote: »

I did have his bank details ; doubt they still valid though

3rd party debt order as I understand it involves me paying 100quid gambling that at the moment the freeze is placed I (a) get the right account and (b) it actually has something in it at that very point in time

Yes, that's exactly right. If the account it in use it can be a gamble worth taking, but probably not if the account is no longer in use.

pmduk

Your first gamble was taking him to court in the first place.