Sense check please

sourcrates

fatbelly said:

A creditor has six years to enforce a ccj

But not many do as it costs them more money in court fee`s initially, with no guarantee the debtor will have any cash or other assets to realise.

SPM87

sourcrates said:

fatbelly said:

A creditor has six years to enforce a ccj

But not many do as it costs them more money in court fee`s initially, with no guarantee the debtor will have any cash or other assets to realise.

exactly, hence why some people on these boards really need to think about what they are saying. I mean how many are forced into court to provide evidence on their money situation? and if you engage with the process this is never happening also

fatbelly

Orders to obtain Information are vary rarely used

sourcrates

SPM87 said:

sourcrates said:

fatbelly said:

A creditor has six years to enforce a ccj

But not many do as it costs them more money in court fee`s initially, with no guarantee the debtor will have any cash or other assets to realise.

exactly, hence why some people on these boards really need to think about what they are saying. I mean how many are forced into court to provide evidence on their money situation? and if you engage with the process this is never happening also

Well we try to give factual responses to questions, most CCJ`s for consumer debt are not enforced, that`s true, but some are, mainly by an attachment to earnings if you work, and occasionally the country court bailiff.

Even though such instances are rare, we must make posters aware of the possible consequences, we always stipulate the difference between what "can" happen, and what is "likely" to happen.

SPM87

sourcrates said:

SPM87 said:

sourcrates said:

fatbelly said:

A creditor has six years to enforce a ccj

But not many do as it costs them more money in court fee`s initially, with no guarantee the debtor will have any cash or other assets to realise.

exactly, hence why some people on these boards really need to think about what they are saying. I mean how many are forced into court to provide evidence on their money situation? and if you engage with the process this is never happening also

Well we try to give factual responses to questions, most CCJ`s for consumer debt are not enforced, that`s true, but some are, mainly by an attachment to earnings if you work, and occasionally the country court bailiff.

Even though such instances are rare, we must make posters aware of the possible consequences, we always stipulate the difference between what "can" happen, and what is "likely" to happen.

if you go back to what I originally quoted, it was a reckless statement and readers would be fearing all sorts. From my experience on message boards and also educating myself, most people who come for help are already scared, worried and paranoid about the consequences etc... I am sure some secretly seem to get off on frightening them some more with this stuff. "you may be lumbered in front of a judge and prove your situation" is not helpful especially when it is simply not used in consumer credit situations, I have yet to see one situation yet.. sure the option is there but what matters is if this is ever used

fatbelly

Tryingtofly11 said:

Thank you, all. Good to know. I will post again and ask for advice with next steps when we get there. Thanks so much again.

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