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Threat of court proceedings in 14 days

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  • Threat of court proceedings in 14 days

    I have a debt for just over 3k due to expire in two months

    It is my only debt therefore i do not want a ccj.

    I have been getting correspondence from a solicitors the last month and a half, they sent three in total now. The one today says the next step will be court if we cannot agree within the next 14 days.

    I spoke to a debt advice charity but wasn't quite happy with their advice, he was almost saying risk it and then sort of saying but you have to be aware blah, they wont send you that, why did it take them nearly 6 years etc . If i was a bit of a numpty i might have taken many wrong impressions from that call.

    Now, i had a similar amount of letters from other solicitors last year for two other debts, that were about 700 each. I ignored them like he suggested today and they took it to court and i got ccj papers twice. I had to pay them.

    He said today, call them rather than email because that's not acknowledging. That sounds right to me.

    He also said, the debt might be statute barred already? This was a bank overdraft and he said they might have called it in earlier than the default date?

    Trouble is i have no paper work and the access request seems like it takes 40 days. In which they could easily reply sorry we cant give you info without blah etc.

    So i feel im in a predicament here.

    He also said, if they issue the ccj, i can defend and say its statute barred? And then theres a hearing. If at the end of the hearing the debt is not statute barred , do you get chance to pay the outstanding balance or is it straight ccj?

    And how likely is it that the solicitors and dca dont have the original loan agreement etc? I think its passed agencies twice.

    Also, if i make monthly payments, which i cant exactly afford already having council tax, and then find the debt is barred can you get the money you paid back or have you started the process again? One of the angles the charity guy was saying was along the lines of you can get into agreements and try get the ccj set aside after if you have evidence of statute barred.

    All i know is it sounds pretty stressful and complex and i don't feel the charity guy was mega helpful. His first angle was guiding me to monthly repayments and putting a ccj on my file if they take it that far.

    Im leaning towards calling them to try and make an offer on the debt so that it expires in a couple of months? Do you know what they'd likely accept off someone with tax debts who is self employed on a 3k debt nearly 6 years old?

    Also is there a way to maybe stall the dca over the phone without acknowledging the debt buying time for the subject access to come working on the assumption the subject access can be done based on you giving them your name old address and the sort code you think you had, i think i do know the sort code of the branch to be honest. Although this will take 40 days to come to fruition no doubt and by then i could get the ccj as the debt is close to its expiry and the solicitors seem to know that,


    Please any advice welcome i know there's some knowledgeable people here and if you know any free legal or cheap advice for such matters id appreciate it if the questions i'm asking are to complex etc. Just a shame the charity debt advice was so hit and miss but guess i can call another to see their opinons too.

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  • #2
    Re: Threat of court proceedings in 14 days

    Its actually more like three months until it expires.

    Comment


    • #3
      Re: Threat of court proceedings in 14 days

      I understand the cca isn't an admitting the alleged debt.

      I am tempted to wait a few days and send one. And also send a subject access request to the original creditor, i have the sort code of the branch for sure now.

      Can i ask, on the cca request, as this letter does not class as an acknowledgement, can i state the following.

      I have council tax debt, income tax debt, i am self employed and i have had so little going through my bank that i cannot engage in monthly repayments, i can borrow £600 pounds from my father and if that would be acceptable please call me on blah blah.

      Comment


      • #4
        Re: Threat of court proceedings in 14 days

        Originally posted by HATEccjS View Post
        Can i ask, on the cca request, as this letter does not class as an acknowledgement, can i state the following.

        I have council tax debt, income tax debt, i am self employed and i have had so little going through my bank that i cannot engage in monthly repayments, i can borrow £600 pounds from my father and if that would be acceptable please call me on blah blah.
        I wouldn't personally ... just send a basic CCA request - http://legalbeagles.info/forums/show...y-of-Agreement
        Debt is like any other trap, easy enough to get into, but hard enough to get out of.

        It doesn't matter where your journey begins, so long as you begin it...

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        Comment


        • #5
          Re: Threat of court proceedings in 14 days

          You say this was a bank overdraft so a s 77-79 CCA Request may not help you (it's for credit cards, loans and HP).

          However does the debt purchaser or their solicitors know it's an overdraft?

          Was their last letter a possible Letter Before Action/Claim because if it was then you need to respond accordingly asking for the documents they intend to rely on.

          Di

          Comment


          • #6
            Re: Threat of court proceedings in 14 days

            Originally posted by HATEccjS View Post
            He also said, the debt might be statute barred already? This was a bank overdraft and he said they might have called it in earlier than the default date?

            . . . . And how likely is it that the solicitors and dca dont have the original loan agreement etc?
            Can you clarify a couple of more things.

            You say this debt was for a a bank overdraft which is on the brink of becoming SB if it hasn't already. This implies that the overdraft facility wasn't renewed after 2012. If it had been renewed (annually) after 2012 then section 78 CCA would apply so send that CCA Request anyway.

            You also referred to a "loan agreement". Is there a possibility that this debt is an amalgamation of two accounts you had with the bank?

            For example HSBC had a habit of combining the negative balances of a customer's personal loan, overdraft and/or credit card before selling them to the debt purchaser under a new account reference. Hoist (Robinson Way) and Howard Cohen solicitors have recently issued claims for these kind of debts.

            Did you have a loan as well as a bank account?

            Di

            Comment


            • #7
              Re: Threat of court proceedings in 14 days

              Hi, thanks for the answers so far. This is an overdraft only. The letters from dca and solicitors know it is an overdraft as it says on the letter. The original overdraft was 2000 with a high street bank. It has extra on top for overdraft fees and bank charges, that equate to around 20% of what the overdraft was. I only have the sort code of the branch no paper work. I realised paying the overdraft was impossible and opened a new bank account. I made no payment or communication to them. The only date I have as a default is the one marked on my file due to expire in around 90 days. Hope that helps

              Comment


              • #8
                Re: Threat of court proceedings in 14 days

                One question so I don't write any books. Whichever cca is applicable to send them, and I'm guessing if it is barred they will just send me the existing date that shows on the file, does this antagonise the process or make it possible that they go ahead with court proceedings irrespective of this cca requiring them to respond and us carry on further talks.

                My situation is, I don't want it to go to court and my position is either, I think, a settlement offer hoping that it is accepted, or monthly repayments which I'd hope to be 10£ a month or something, that stops the court action and I'm guessing doesn't show on your credit report? I need a clean file after all these years desperately.

                Comment

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