Moorcroft

[MIKE770]

Unless they get really nasty ignore come. Back anything else received

[Dazhcham]

I'm worried theyl get a ccj Im a single parent work and have other debts, can they take my car etc.?

[Dazhcham]

Thank you mate, I'll ignore and see what they come back with I sent the statute barred letter and they said I paid a DCA in 2014 so they don't consider it statute barred I have 14 days to reply

[MIKE770]

Did You make payment or one of their phantom payments??

[Dazhcham]

I made payment around 2012 to 2014 to a DCA called ruthbridge and stopped paying them because they kept asking for more now intrum are getting threatening

[Dazhcham]

Guess this means I'll have to start paying?

[MIKE770]

Amethyst see how it pans out, and is enforceable??

[Dazhcham]

I'm not sure wether it's enforceable or not just don't fancy a ccj as I've got a great credit rating now

[Dazhcham]

Would they warn me first before taking court action? Or would I suddenly have a letter from the courts?

[MIKE770]

they would if they were able to send a PAP (pre court letter) there is a strict procedure so they would have to get their ducks in order, (and plenty of opportunity for you to ask questions and etc

The Pre-Action Protocols but do not panic as many companies bluff until the last minute hoping you give in, of course you will not at this stage else they will have a big office party on you?

[Dazhcham]

Thanks Mike appreciate the info

[Dazhcham]

[MIKE770]

Note the "MAY" etc

[Dazhcham]

MIKE770 so they can't just send it to court without notifying me? I can handle being pestered but don't want court action, and going back into default, my own fault I shouldn't have gave into bully tactics when I lived at my mams and it would have certainly been statute barred by now, I'm sure it was before I gave into them after many years of pestering but 6 years won't be up till November 2020 now

[MIKE770]

No - they would have to follow a set requirements i.e. send you a PAP (Notification) 5 pages for you to fill in and send back for starters, if it came to it on here they would help no doubt!> they are just hopeful no doubt, so see what happens next without contacting them i.e. encourage them to pester