letter from Retsons

[leelee]

hi, sorry if this is posted in the wrong place, im new

about 10 years ago, i was divorced. my ex wife had been using my banking and credit accounts fraudulently, she got us in a real mess financially. i received a ccj at about that time, without my knowledge relating to one of the debts incurred. i told the banks at the time what she had done, as she was the mother of my young daughter, i elected not to pursue anything legal, so i remained liable.

i received a letter today retsons (the solicitors who were involved with my ccj) stating that they are acting on behalf of arrow global (never heard of them!) i have a ccj lodged against me with them, and that i should be making payments. the usual threats of enforcement action etc then followed. i remember retsons being very nasty at the time, in fact quite abusive and rude.

im not sure if this is the oroginal ccj they are referring to, or a new one im not aware of. ive tried ringing them on the number they supplied, without success.

if this is my ccj, from 9 years ago, then of course i understand i have to work to clear it (£8,665 apparently) but im not sure if it is. im confused and slightly stressed by all of this. since my divorce i have hano financial problems and have not missed a payment to anybody.

could anyone advise me on what to do plaease?

[Kati]

Re: letter from Retsons

Hi [MENTION=52892]leelee[/MENTION] to LB

Is there any chance you can post up a copy of the letter you received (without any identifying details)?? - this would enable our knowledgeable Beagles to give you advice tailored to your particular situation :tinysmile_twink_t2:

While you're waiting for replies, have a look at this thread: http://www.legalbeagles.info/forums/...it-Court-Claim

Kati x

[leelee]

Re: letter from Retsons

thankyou so much Kati. i will get it scanned and post it here tomorrow

[leelee]

Re: letter from Retsons

hi again, here is the letter, hope you can help?

thankyou

[Kafka]

Re: letter from Retsons

It doesn't say that there is anything recent, so maybe this is referring to the old one. If you send a Subject Access Request to Arrow Global with the £10 fee, they are obliged to send you all of the personal data they hold on you and that will reveal what has gone on.

Key to this is the wording of the judgment granted. Often these are just 'payment forthwith', but in other cases the judgment specifies an amount to be repaid each month. If its the former, then actually they have less scope to demand payment, so are more likely to seek to attach the judgment to earnings or to a property, for security. that means another court ruling and the court would take into account your financial circumstances and what you can afford to pay. Obviously, they can only get a charging order if you own a property and can only get an attachment of earnings if you have a salaried job.