1st CCJ claim Lowell/Vanquis

[nate]

Re: 1st CCJ claim Lowell/Vanquis

Thanks ill get on that now. Because ive done th AoS does that mean i have 28 days to send the CCA and CPR? Apologies if sound stupid its the 1st time ive had deal with one of these and i appreciate all your help

[Stu]

Re: 1st CCJ claim Lowell/Vanquis

It would be best to get the CCA with postal order out asap as with the CPR also and you get a total 33 days from date on claim form for you to get the best information for your defence...

[Debt Camel]

Re: 1st CCJ claim Lowell/Vanquis

deciding what to do weather to fight them and stand up to them or surrender and enter step change or get a DRO, still unsure on what to do so looking for advice. Id prefer to stand up to them and fight them but im unsure what the consequences maybe if im unsuccessful

Can we step back to this point?

Do you have a list of your debts? Perhaps from your credit records?

If credit card / loan debts date from 2010, it's possible they may be unable to produce a CCA but not odds on. Do you know when you would last have made a payment to these debts?

You mentioned overdrafts, is that a lot of the debt? Because a CCA isn't relevant to them.

Debt collectors are now going for CCJs a lot more than they used to. 50% up on this time last year

If you have two or three credit card / loans debts, it's probably worth fighting them and seeing if you win. But if you have a lot more including overdrafts, well you probably aren't going to win the overdrafts. If you qualify for a DRO it could be a lot better option than spending 6 months to a year fighting court claims as they pop up and losing a few.