• Welcome to the LegalBeagles Consumer and Legal Forum. Please register to get the most out of the forum. Registration is free and only needs a username and email address.

please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

    hi all can somebody please help me because I am worried out of my mind and now enduring sleepless nights because of it. the facts of the case are this. in March 2012 I was issued with a CCJ from Northampton court in relation to a debt of 4400 that was initially owed to RBS but was chased by Arrow Global Guernsey. I have heard very little from arrow and any mail that did arrive was swiftly torn up by my other half and thrown in the bin. last week I received a text message from Shoosmiths asking me to respond quoting a reference number (which I didn't) I have now received a letter with an attachment of earnings which they want me to fill in. They state in their letter (Shoosmiths) that their client (Arrow Global) wants to agree an affordable repayment plan and has the option to pursue enforcement action which may include: Application for an attachment of earnings or Application for a warrant of control or Application for a charge on my property. I cannot afford any repayments and I am worried bailiffs will turn up at my door and start taking my things away. can anybody please help me out with any advice as I am at my wits end worrying that I will never be rid of these blood sucking leeches. Can anybody tell me my best next course of action please.
    Sincerely
    Tags: None

  • #2
    Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

    i dont think this is in the right place can somebody move it to where it may get a reply please

    Comment


    • #3
      Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

      Hi Dave
      There is a saying you can't get blood out of a stone

      So the CCJ was in 2012. it looks like they are trying to get things moving before the 6 years are up

      Do you own your own home and if so is it in your name only?

      I think it unlikely they would instruct bailiffs on such a debt but I am no expert
      [MENTION=6]Amethyst[/MENTION] [MENTION=87380]Diana M[/MENTION]

      @ kati could you move this somewhere appropriate and maybe tag anyone else who is knowledgeable on CCJs
      Any advice or opinions I offer are based on my experience dealing with personal debt as well as other life events.
      I have no formal legal training
      Any advice is offered without liability
      If in doubt take professional legal advice or contact the CAB

      Comment


      • #4
        Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

        Originally posted by warwick65 View Post
        Hi Dave
        There is a saying you can't get blood out of a stone

        So the CCJ was in 2012. it looks like they are trying to get things moving before the 6 years are up

        Do you own your own home and if so is it in your name only?

        I think it unlikely they would instruct bailiffs on such a debt but I am no expert
        @Amethyst @Diana M

        @ kati could you move this somewhere appropriate and maybe tag anyone else who is knowledgeable on CCJs
        thanks for the reply Warwick its just that I watch them bailiff programs and fear it will happen to me

        Comment


        • #5
          Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

          Can you give some more information about your circumstances?

          Are you working? Are you renting or buying? Do you have other debts that you are repaying? Other debts that you are hoping will go away?

          Comment


          • #6
            Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

            Originally posted by Debt Camel View Post
            Can you give some more information about your circumstances?

            Are you working? Are you renting or buying? Do you have other debts that you are repaying? Other debts that you are hoping will go away?
            I am working I live with my wife we are renting there are no other debts beside usual living expenses etc

            Comment


            • #7
              Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

              OK so you just have this debt to deal with and a charging order isn't going to be a problem.

              I have no idea why [MENTION=98117]warwick65[/MENTION] thinks bailiffs wouldn't be instructed - what do you think they are going to do, just forget about this debt?

              Either bailiffs or an attanchment of earnings is possible. Bailiffs is more of a problem if you own a car?

              Comment


              • #8
                Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

                what is a charging order sorry I do not understand all the legal jargon bailiffs cannot take car it is financed in my brothers name and most large electrical goods in house are in wifes name yes have the paperwork to prove it. so i can expect a knock at the door from @cant pay we will take it away' tv stars?

                Comment


                • #9
                  Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

                  Originally posted by Debt Camel View Post
                  OK so you just have this debt to deal with and a charging order isn't going to be a problem.

                  I have no idea why @warwick65 thinks bailiffs wouldn't be instructed - what do you think they are going to do, just forget about this debt?

                  Either bailiffs or an attanchment of earnings is possible. Bailiffs is more of a problem if you own a car?
                  My rational behind thinking bailiffs were unlikely was that it appeared the OP had little in the way of assets and the debt was relatively large, if it had been a smaller debt I would have thought bailiffs more likely.

                  I hesitate to suggest it but if the OP is on a low income they may want to make a notional offer that is affordable. If this is the path that is followed the I&E needs completing very carefully so that all expenses are justified and reasonable and every allowable expense is used however that needs very careful consideration.

                  What i think needs to be avoided is for the creditor to go back to court to get enforcement powers

                  Dave, a charging order is when you own your own house, the creditor gets an order on your property so that when it is sold they collect their money ( assuming there is enough left after paying first charges such as mortgages)
                  Any advice or opinions I offer are based on my experience dealing with personal debt as well as other life events.
                  I have no formal legal training
                  Any advice is offered without liability
                  If in doubt take professional legal advice or contact the CAB

                  Comment


                  • #10
                    Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

                    A charging order, in English law, is an order obtained from a court or judge by a judgment creditor, by which the property of the judgment debtor in any stocks or funds or land stands charged with the payment of the amount for which judgment shall have been recovered, with interest and costs.

                    Comment


                    • #11
                      Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

                      but i dont have any property and will the CCJ still be removed after the 6 years or will it stay in my credit file? what can I expect to come through the letterbox next as I am due to go in hospital soon and all this stress is adding to the worry

                      Comment


                      • #12
                        Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

                        CCJ falls off after the six years

                        Comment


                        • #13
                          Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

                          Originally posted by dave798 View Post
                          but i dont have any property and will the CCJ still be removed after the 6 years or will it stay in my credit file? what can I expect to come through the letterbox next as I am due to go in hospital soon and all this stress is adding to the worry
                          The CCJ will come off credit file 6 years after the date of judgment after 6 years the claimant might have problems enforcing the debt.
                          The high value of the debt may lead the claimant pursuing more robustly.
                          The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

                          Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

                          If you receive messages from anyone offering advice for a fee please report it to the site team.


                          Animo et fide.

                          Comment


                          • #14
                            Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

                            but this is my argument I have no disposable income and have no means to repay the debt

                            Comment


                            • #15
                              Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

                              no property = no charging order

                              Income from working could after assessment lead to attachment of earnings etc only after/if any surplus they find to needs.?? has been known if I remember correct that 1.00 a week/month has been done as per court order?

                              seems to me they are pushing due to the amount involved, sick Debt collection system in this country, they pay next to nothing for an alledged debt and want to make 1,000ssssssssss out of it. Proves Lame government we have and all they are interested in is money.

                              Comment

                              Announcement

                              Collapse
                              No announcement yet.
                              Loading...

                              upgrade to vip

                              Want exclusive access to forums, more privacy and a live chat box? Upgrade to become a bigger part of our community.

                              only £15/yr

                              Offers available. No subscription traps.

                              sign up now

                              Resolver is a free automated complaints system that can help with all kinds of consumer complaints - including missold PPI and Package Bank Accounts.

                              make a complaint



                              Search and Compare fixed fee legal services and find a solicitor near you.

                              Find a Law Firm


                              Working...
                              X