RE: CCJ/Debt Recovery Advice!

[bepo2015]

Hi all,

To cut a long story short, I have a debt with Natwest (circa £24k), I have a CCJ against me for it and there is a charge on my home.

Initially I had letters from Shoosmiths and I sent one or two back stating I could pay £40 a month but it was never accepted; I now get letters from Dryden Fairfax stating similar things about reverting to client and taking further action etc.

I defaulted on the debt (a loan) in 2010 due to personal circumstances; The CCJ was 2012 I think.

How serious should I take this or can I get away with ignoring the letters?

Thanks in advance.

[nemesis45]

Re: CCJ/Debt Recovery Advice!

Hi all,

To cut a long story short, I have a debt with Natwest (circa £24k), I have a CCJ against me for it and there is a charge on my home.

Initially I had letters from Shoosmiths and I sent one or two back stating I could pay £40 a month but it was never accepted; I now get letters from Dryden Fairfax stating similar things about reverting to client and taking further action etc.

I defaulted on the debt (a loan) in 2010 due to personal circumstances; The CCJ was 2012 I think.

How serious should I take this or can I get away with ignoring the letters?

Thanks in advance.

Hi, Welcome to LB.

You have a judgement against you and it would be foolish to say the least to ignore solicitors letters, there a number of actions the claimant can consider.
1. Obtaining a distress warrant meaning that a bailiff from the court is instructed to take good to cover the debt by selling the at auction.
2. Get a Warrant from the High Court given the value of the debt, the warrant will be handed to High Court Enforcement Officers who have vastly greater powers compared to a County Court Bailiff.
3.An attachment of earnings order instructing your employer to stop payments from wages ( the employer cannot refuse to comply.
4. Again given the amount owed, the claimant can seek an order for sale as there is a charging order in place on your property.

nem

[cupidstunt]

Re: CCJ/Debt Recovery Advice!

Nem,

Have I got it wrong in thinking that balliffs have to make peaceful entry to take goods etc.

Can only force entry for fines, tax and for commercial debts?

[nemesis45]

Re: CCJ/Debt Recovery Advice!

Given the amount OS I would suspect this could easily go to the High Court HCEO's have considerably more power.
nem

[cupidstunt]

Re: CCJ/Debt Recovery Advice!

Are they allowed to force entry for this type of debt?

Given the amount OS I would suspect this could easily go to the High Court HCEO's have considerably more power.
nem

[wales01man]

Re: CCJ/Debt Recovery Advice!

Thought when HCEOs are brought in its a debt regardless of what its for and the action they can take is different to EOs.

[nemesis45]

Re: CCJ/Debt Recovery Advice!

Have a look on the net the Rules have changed re HCEO's/ Formally Sheriffs / Certified Enforcement Officers.