Moriarty Law - Court Claim URGENT PLS HELP.

ManyWays

How many of these debts have been sold to debt collectors?

nomorecc

ManyWays said:

How many of these debts have been sold to debt collectors?

The big loans?

All of them except one.

YBR

Sounds like it would help you to show the full detail to someone - drip feeding info on here is not ideal.

Consider talking to a free debt advice charity: Stepchange, Citizens Advice, CAP ...

ManyWays

So owning a property rules out a DRO and usually bankruptcy. But you should look seriously at an IVA rather than endless token payments, especially now you have a CCJ. Post a Statement of Affairs here (see https://www.stoozing.com/soa.php to draw this up) of talk to Stepchange. 

Martico

Given the age of some of these debts, would CCA requests be worth a shot?

nomorecc

Martico said:

Given the age of some of these debts, would CCA requests be worth a shot?

But i'm paying them every month?

fatbelly

A cca request is shorthand for 'a formal request under s77-9 of the Consumer Credit Act 1974 for the creditor to provide a copy of the credit agreement'

If they cannot do that, you use it as a defence to any court claim.

Realistically you cannot do that by 4 pm Tuesday but it is worth doing on your other debts.

nomorecc

fatbelly said:

A cca request is shorthand for 'a formal request under s77-9 of the Consumer Credit Act 1974 for the creditor to provide a copy of the credit agreement'

If they cannot do that, you use it as a defence to any court claim.

Realistically you cannot do that by 4 pm Tuesday but it is worth doing on your other debts.

Understandably not by Tuesday at 4pm

Questions regarding CCA on older debt...

Does it matter if I am paying them every month?

What happens if they can / cannot provide this?

Grumpelstiltskin

Doesn't matter if you are paying or not and if they can't provide it you just stop paying as it is unenforceable. In fact you should stop paying when you send the CCA request.

Martico

As Grumple says - the CCA is the contract for the debt. If they can't provide it, they can't enforce the debt