Same debt 2nd CCJ

waamo

GFUNK20UK said:

I Really appreciate your input waamo thanks, I suspect they are just playing games as they have done from day one, so I’ll wait and see what happens next, it’s almost like they forgot they took me to court already. I’ll fight it again if it does indeed go to court and weigh up the options, if they were in a position to send the baliifs I thought surely they should have done it 2 years ago

thanks again
G

If they have a ccj they can send the removal boys. I'm guessing they realise it's not worth it. Most lifted goods go for peanuts so unless you have a decent motor or something it's not worth it.

After 6 years the debt has to go back to court so essentially dies. I wouldn't worry about their email, it's merely a begging letter at this stage.

SpreadableToast

waamo said:

GFUNK20UK said:

I Really appreciate your input waamo thanks, I suspect they are just playing games as they have done from day one, so I’ll wait and see what happens next, it’s almost like they forgot they took me to court already. I’ll fight it again if it does indeed go to court and weigh up the options, if they were in a position to send the baliifs I thought surely they should have done it 2 years ago

thanks again
G

If they have a ccj they can send the removal boys. I'm guessing they realise it's not worth it. Most lifted goods go for peanuts so unless you have a decent motor or something it's not worth it.

After 6 years the debt has to go back to court so essentially dies. I wouldn't worry about their email, it's merely a begging letter at this stage.

Hardly a begging letter is they have 4 more years to take enforcement action.  

waamo

SpreadableToast said:

waamo said:

GFUNK20UK said:

I Really appreciate your input waamo thanks, I suspect they are just playing games as they have done from day one, so I’ll wait and see what happens next, it’s almost like they forgot they took me to court already. I’ll fight it again if it does indeed go to court and weigh up the options, if they were in a position to send the baliifs I thought surely they should have done it 2 years ago

thanks again
G

If they have a ccj they can send the removal boys. I'm guessing they realise it's not worth it. Most lifted goods go for peanuts so unless you have a decent motor or something it's not worth it.

After 6 years the debt has to go back to court so essentially dies. I wouldn't worry about their email, it's merely a begging letter at this stage.

Hardly a begging letter is they have 4 more years to take enforcement action.  

That's why I said at this stage. It may become more serious later in but currently they don't seem to be enforcing it.

montyrebel

just pay it and avoid the 2nd one

[Deleted User]

GFUNK20UK said:

Hi, I took out a payday loan with cash float in 2016 I defaulted and got into trouble with them in NOV 2018 they took me to court and obviously I lost despite my plea to court for help against this ruthless company, anyway I was issued with a CCJ and awaited recovery action from Cashfloat however I never received a single shred of communication from cashfloat  since The judgment however it remained only as default on my credit filed and now today I’ve received a letter from cashfloat saying that they are applying for a CCJ due to non payment. 

Can they do this?
TIA
G

I'd say it was pretty ruthless to take money from a loan company and not pay it back.

steampowered

The order of events is not entirely clear from your posts. It sounds like what happened is as follows:
- CashFlow filed a claim against you.
- You filed a defence to that claim.
- Your defence was struck out and you were given 7 days to file a new defence.
- After the 7 days expired, CashFlow were entitled to apply to the court to have a CCJ issued. It sounds like they never did this - it sounds like a CCJ was never actually issued.
- 2 years later, it sounds like CashFlow are now applying for that CCJ.

Is that correct?

If so, this is not a second CCJ. It's still the original set of court proceedings - just that nothing happened with those proceedings for 2 years. CashFlow are just asking the court to issue a CCJ as you didn't file a defence to the claim. They are entitled to do this.

The likely outcome is that you will now get a CCJ. If the CCJ is not paid within 28 days, it will be on your credit record for 6 years. Once a CCJ has been issued CashFlow will likely send it to a debt collection agency for enforcement.

You might be better off trying to agree a settlement. They may accept a reduced sum in full and final settlement of all liability you have to them.