Using a solicitor for CCJ

helpplease2017
helpplease2017 Posts: 8 Forumite
in Debt-free wannabe
Morning all,

I was wondering what people's experiences or working knowledge are of the benefits of a solicitor in a CCJ case.

Having spoken to a couple they appear to be offering extremely high success rates and the ability to basically pester and go after the creditor on various points of law during the process before the case gets to court.

This seems like a great option but am I missing anything?

Comments

  • sourcrates
    sourcrates Posts: 28,831 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    Yes, you dont need a solicitor to do those things, you can defend a claim yourself with the help of Legal Beagles (web info in my signature).
    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-letter
  • helpplease2017
    helpplease2017 Posts: 8 Forumite
    Thanks sourcrates.

    I've had a good look over there which is where I also noted the names of some of the active law firms in this area.

    I realise I can defend it myself but I was wondering if any knowledgeable folk were able to offer any insight into the difference using a solicitor can make?

    They all appear to have very high success rates but is that mirrored in high success rates by those defending cases themselves?
  • sourcrates
    sourcrates Posts: 28,831 Ambassador
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    helpplease2017 wrote: »
    Thanks sourcrates.

    I've had a good look over there which is where I also noted the names of some of the active law firms in this area.

    I realise I can defend it myself but I was wondering if any knowledgeable folk were able to offer any insight into the difference using a solicitor can make?

    They all appear to have very high success rates but is that mirrored in high success rates by those defending cases themselves?

    What is the debt for, how much do you owe, and what is your issue with it now ?

    It would depend on a whole range of factors, mainly why you are disputing the debt, and on what grounds, if its a consumer credit act regulated debt, how old is the account ?

    Are you trying to ascertain if the credit agreement is enforceable or not ?
    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-letter
  • helpplease2017
    helpplease2017 Posts: 8 Forumite
    It's £11500 after court fees for a credit card that defaulted in April 2011 so I am confident is statute barred.
  • sourcrates
    sourcrates Posts: 28,831 Ambassador
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    helpplease2017 wrote: »
    It's £11500 after court fees for a credit card that defaulted in April 2011 so I am confident is statute barred.

    Then a simple :

    "An action founded on tort shall not be brought after the experation of six years from the date on which the cause of action accrued"

    Is all you need as a full defence to any claim.

    Remember the onus is on them to prove otherwise.
    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-letter
  • fatbelly
    fatbelly Posts: 20,448 Forumite
    Name Dropper First Anniversary First Post Cashback Cashier
    helpplease2017 wrote: »
    It's £11500 after court fees for a credit card that defaulted in April 2011 so I am confident is statute barred.

    You don't need a solicitor for that. It's either statute barred or it isn't.

    Just make sure if you get a claim that you stick to the timescales.

    Most ccjs are issued 'in default' because the defendant hasn't responded (for whatever reason) in time.
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