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hi I received a letter from bw legal about a account that was opened 7 years ago for the amount of £971.54 they put a ccj on my credit file on 30th December 2014 the account was opened between January/may 2009 can they now try and pursue this debt and it is also threatening with pending enforcement action county court bailiff thank you
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Re: bw legal
Hi samantha debra pitt & welcome to LB.
Could you give some further info?
Was a court claim issued?
If so, when?
What was it for?
Did you receive it at the time of issue?
If not, why not?
If yes, did you defend it?
On what basis was the judgment issued? (didn't defend, lost case in court, etc)
You only mention it with regard to a Credit Reference Agency listing; is it actually a County Court Judgment?CAVEAT LECTOR
This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)
You and I do not see things as they are. We see things as we are.
Cohen, Herb
There is danger when a man throws his tongue into high gear before he
gets his brain a-going.
Phelps, C. C.
"They couldn't hit an elephant at this distance!"
The last words of John Sedgwick
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Directions Questionnaire
If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.
NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service
Defend Claim - within 28 days from Service (IF you acknowledged in time)
If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.
We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
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