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

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  1. #26
    dave798's Avatar

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

    The first I knew was when I checked last week after getting the letter from Shoosmiths the only CCJ on my file is dated March 2012

  2. #27
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    Default Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

    Quick questions.
    1. after filling in the I & E form and showing negative disposable income even though I have not made any payments for 5+ years towards this CCJ for £4300 and I am able to borrow £860 from a family member (20% of CCJ) if I make this offer of full and final payment will the 6 years waiting start all over again on my credit file or will the CCJ whether fully satisfied or partially satisfied still drop off in March 2018 (6 years from judgement date)?
    2. if Arrow/Shoosmiths are willing to open negotiations towards settling the CCJ and they refuse F & F settlement but accept token payments as that is all I can afford will the CCJ remain on credit file till it is fully satisfied?
    3. Could this just be a sleeping dragon as when I checked with Noddle reference my Credit file the file was searched by Arrow with the heading Administrative review, ie if I do not acknowledge anything will the CCJ not be enforceable after the 6 year time limit?

    again I would sincerely like to thank all who have taken the time to respond to my questions as the whole debacle is making me truly anxious and my head has not stopped spinning since this damned letter was retrieved from the trash thanks to my OH

  3. #28
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    Default Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

    Admin review? see if you have new cards and income possibly to get back at you! hard jib to enforce CCJ after 6 years they would need very good reason.

  4. #29
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    Default Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

    Quote Originally Posted by MIKE770 View Post
    Admin review? see if you have new cards and income possibly to get back at you! hard jib to enforce CCJ after 6 years they would need very good reason.
    income hasn't changed and no new cards (not even old cards) might just not acknowledge anything and see where it leads as the 6 year mark is only 11 months away and I am hoping they are just testing the water so I imagine the next 11 months will be spent on the toilet for me

  5. #30
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    Default Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

    Dave

    Just a point
    If you send an I&E with a negative disposable income I think it likely they will think you have 'fudged' the figures because by its very nature, negative disposable income is unsustainable

    Now on this point I can only tell you my experience
    I had two CCJ's against me in the mid 90's . At the time they were awarded we had some really serious financial problems and I offered token payments of £5 a month, these were never reviewed.

    In 2012 I again hit problems and when I called Barclays and asked the question 'what will happen if I stop paying' the answer was nothing as they are so old.

    So , if that was right and you make an offer of say £5 a month which they accept just keep paying it ad nauseum until such time as you can find the money to pay it off or something else happens.

    As Mike says , once the 6 years are up and the CCJ falls off your credit file it can not reappear and if they have not tried to enforce it they would have to get the permission of the court to do so

  6. #31
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    Default Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

    try and hang out till then then, but come back if any events?

  7. #32
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    Default Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

    Quote Originally Posted by dave798 View Post
    income hasn't changed and no new cards (not even old cards) might just not acknowledge anything and see where it leads as the 6 year mark is only 11 months away and I am hoping they are just testing the water so I imagine the next 11 months will be spent on the toilet for me
    b ]

    make good use of their letter on the loo??? print down of course lol
    Attached Thumbnails Attached Thumbnails images.jpg  

  8. #33
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    Default Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

    [QUOTE=dave798;721688]Quick questions.
    1. after filling in the I & E form and showing negative disposable income even though I have not made any payments for 5+ years towards this CCJ for £4300 and I am able to borrow £860 from a family member (20% of CCJ) if I make this offer of full and final payment will the 6 years waiting start all over again on my credit file or will the CCJ whether fully satisfied or partially satisfied still drop off in March 2018 (6 years from judgement date)?
    2. if Arrow/Shoosmiths are willing to open negotiations towards settling the CCJ and they refuse F & F settlement but accept token payments as that is all I can afford will the CCJ remain on credit file till it is fully satisfied?
    3. Could this just be a sleeping dragon as when I checked with Noddle reference my Credit file the file was searched by Arrow with the heading

    ******Administrative review, ie if I do not acknowledge anything will the CCJ not be enforceable after the 6 year time limit?********

    The CCJ will still be enforceable after 6 years but the claimant may have to seek permission from the court to proceed.

    nem
    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 Specific Advice is Needed 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.





  9. #34
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    Default Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

    so let it get statute barred????? paying will not make any difference except extra for xmas staff party or some git on a brand new yacht!

  10. #35
    dave798's Avatar

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

    [QUOTE=nemesis45;721726]
    Quote Originally Posted by dave798 View Post
    Quick questions.
    1. after filling in the I & E form and showing negative disposable income even though I have not made any payments for 5+ years towards this CCJ for £4300 and I am able to borrow £860 from a family member (20% of CCJ) if I make this offer of full and final payment will the 6 years waiting start all over again on my credit file or will the CCJ whether fully satisfied or partially satisfied still drop off in March 2018 (6 years from judgement date)?
    2. if Arrow/Shoosmiths are willing to open negotiations towards settling the CCJ and they refuse F & F settlement but accept token payments as that is all I can afford will the CCJ remain on credit file till it is fully satisfied?
    3. Could this just be a sleeping dragon as when I checked with Noddle reference my Credit file the file was searched by Arrow with the heading

    ******Administrative review, ie if I do not acknowledge anything will the CCJ not be enforceable after the 6 year time limit?********

    The CCJ will still be enforceable after 6 years but the claimant may have to seek permission from the court to proceed.

    nem
    but after 6 years will they not have to apply to the court and send me details of this happening ?

  11. #36
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    Default Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

    Quote Originally Posted by MIKE770 View Post
    so let it get statute barred????? paying will not make any difference except extra for xmas staff party or some git on a brand new yacht!
    The clock stops ticking on the date a claim is issued.

    nem
    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 Specific Advice is Needed 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.





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