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CCJ and debt default help.
Comments
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It just looks like there has been a bulk transfer from Hoist to Lowell.
No need to do anything0 -
Thanks Fatbelly. If my 6 years with the loan is over this week, could they still obtain a CCJ? Could they apply today or tomorrow and it reset the timer as such? If I’m honest that’s the one I’m scared of, as I’m hoping that after 4.5 years they won’t chase me on the CCJ. Finally feeling like my finances are in order, I have a credit card that I only use for monthly fuel, and pay in full monthly now, and everything else is paid for in cash.0
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They have to send you a "letter before action" first to comply with civil procedure rules.enigma1978 said:Thanks Fatbelly. If my 6 years with the loan is over this week, could they still obtain a CCJ? Could they apply today or tomorrow and it reset the timer as such? If I’m honest that’s the one I’m scared of, as I’m hoping that after 4.5 years they won’t chase me on the CCJ. Finally feeling like my finances are in order, I have a credit card that I only use for monthly fuel, and pay in full monthly now, and everything else is paid for in cash.
This has a 30 day return window, so I would say you were in the clear with this one, it will have gone statute barred if there has been a clear 6 years since the date of default.
The debt collection process doesn`t move as quickly as you may think it does.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
Evening all, apologies for resurrecting an old thread. I have now passed the 6 years on the one of these, and believe it should be statute barred. However, I have now received a letter regarding the CCJ I received for the £6,482.82 I owed. This has come from Overdales Solicitors and is saying that they have been instructed to apply for a Warrant of Control. I’ve been given a couple of discount options. If I don’t accept within 10 days then the offer will not be extended. Failure to do so in the next days means a Warrant of Control will be issued.
The CCJ was issued on 29-03-2019. However Overdales are acting on behalf of Lowell.I guess my question is should I be worried? I have no way of paying the amount in full, or over 3 payments as they have to offered. Wondering what my next step should be?
Thanks in advance if anybody can offer any assistance on this?0
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