please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

[dave798]

hi all can somebody please help me because I am worried out of my mind and now enduring sleepless nights because of it. the facts of the case are this. in March 2012 I was issued with a CCJ from Northampton court in relation to a debt of £4400 that was initially owed to RBS but was chased by Arrow Global Guernsey. I have heard very little from arrow and any mail that did arrive was swiftly torn up by my other half and thrown in the bin. last week I received a text message from Shoosmiths asking me to respond quoting a reference number (which I didn't) I have now received a letter with an attachment of earnings which they want me to fill in. They state in their letter (Shoosmiths) that their client (Arrow Global) wants to agree an affordable repayment plan and has the option to pursue enforcement action which may include: Application for an attachment of earnings or Application for a warrant of control or Application for a charge on my property. I cannot afford any repayments and I am worried bailiffs will turn up at my door and start taking my things away. can anybody please help me out with any advice as I am at my wits end worrying that I will never be rid of these blood sucking leeches. Can anybody tell me my best next course of action please.
Sincerely

[nemesis45]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

so let it get statute barred????? paying will not make any difference except extra for xmas staff party or some git on a brand new yacht!

The clock stops ticking on the date a claim is issued.

nem

[dave798]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

[QUOTE=nemesis45;721726]

Quick questions.
1. after filling in the I & E form and showing negative disposable income even though I have not made any payments for 5+ years towards this CCJ for £4300 and I am able to borrow £860 from a family member (20% of CCJ) if I make this offer of full and final payment will the 6 years waiting start all over again on my credit file or will the CCJ whether fully satisfied or partially satisfied still drop off in March 2018 (6 years from judgement date)?
2. if Arrow/Shoosmiths are willing to open negotiations towards settling the CCJ and they refuse F & F settlement but accept token payments as that is all I can afford will the CCJ remain on credit file till it is fully satisfied?
3. Could this just be a sleeping dragon as when I checked with Noddle reference my Credit file the file was searched by Arrow with the heading

******Administrative review, ie if I do not acknowledge anything will the CCJ not be enforceable after the 6 year time limit?********

The CCJ will still be enforceable after 6 years but the claimant may have to seek permission from the court to proceed.

nem

but after 6 years will they not have to apply to the court and send me details of this happening ?

[MIKE770]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

so let it get statute barred????? paying will not make any difference except extra for xmas staff party or some git on a brand new yacht!

[nemesis45]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

[QUOTE=dave798;721688]Quick questions.
1. after filling in the I & E form and showing negative disposable income even though I have not made any payments for 5+ years towards this CCJ for £4300 and I am able to borrow £860 from a family member (20% of CCJ) if I make this offer of full and final payment will the 6 years waiting start all over again on my credit file or will the CCJ whether fully satisfied or partially satisfied still drop off in March 2018 (6 years from judgement date)?
2. if Arrow/Shoosmiths are willing to open negotiations towards settling the CCJ and they refuse F & F settlement but accept token payments as that is all I can afford will the CCJ remain on credit file till it is fully satisfied?
3. Could this just be a sleeping dragon as when I checked with Noddle reference my Credit file the file was searched by Arrow with the heading

******Administrative review, ie if I do not acknowledge anything will the CCJ not be enforceable after the 6 year time limit?********

The CCJ will still be enforceable after 6 years but the claimant may have to seek permission from the court to proceed.

nem

[MIKE770]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

income hasn't changed and no new cards (not even old cards) might just not acknowledge anything and see where it leads as the 6 year mark is only 11 months away and I am hoping they are just testing the water so I imagine the next 11 months will be spent on the toilet for me

b ]

make good use of their letter on the loo??? print down of course lol

[MIKE770]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

try and hang out till then then, but come back if any events?

[warwick65]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

Dave

Just a point
If you send an I&E with a negative disposable income I think it likely they will think you have 'fudged' the figures because by its very nature, negative disposable income is unsustainable

Now on this point I can only tell you my experience
I had two CCJ's against me in the mid 90's . At the time they were awarded we had some really serious financial problems and I offered token payments of £5 a month, these were never reviewed.

In 2012 I again hit problems and when I called Barclays and asked the question 'what will happen if I stop paying' the answer was nothing as they are so old.

So , if that was right and you make an offer of say £5 a month which they accept just keep paying it ad nauseum until such time as you can find the money to pay it off or something else happens.

As Mike says , once the 6 years are up and the CCJ falls off your credit file it can not reappear and if they have not tried to enforce it they would have to get the permission of the court to do so

[dave798]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

Admin review? see if you have new cards and income possibly to get back at you! hard jib to enforce CCJ after 6 years they would need very good reason.

income hasn't changed and no new cards (not even old cards) might just not acknowledge anything and see where it leads as the 6 year mark is only 11 months away and I am hoping they are just testing the water so I imagine the next 11 months will be spent on the toilet for me

[MIKE770]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

Admin review? see if you have new cards and income possibly to get back at you! hard jib to enforce CCJ after 6 years they would need very good reason.

[dave798]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

Quick questions.
1. after filling in the I & E form and showing negative disposable income even though I have not made any payments for 5+ years towards this CCJ for £4300 and I am able to borrow £860 from a family member (20% of CCJ) if I make this offer of full and final payment will the 6 years waiting start all over again on my credit file or will the CCJ whether fully satisfied or partially satisfied still drop off in March 2018 (6 years from judgement date)?
2. if Arrow/Shoosmiths are willing to open negotiations towards settling the CCJ and they refuse F & F settlement but accept token payments as that is all I can afford will the CCJ remain on credit file till it is fully satisfied?
3. Could this just be a sleeping dragon as when I checked with Noddle reference my Credit file the file was searched by Arrow with the heading Administrative review, ie if I do not acknowledge anything will the CCJ not be enforceable after the 6 year time limit?

again I would sincerely like to thank all who have taken the time to respond to my questions as the whole debacle is making me truly anxious and my head has not stopped spinning since this damned letter was retrieved from the trash thanks to my OH

[dave798]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

The first I knew was when I checked last week after getting the letter from Shoosmiths the only CCJ on my file is dated March 2012

[Diana M]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

by default I assume because first I knew about it was checking credit file

When was that (what month/year)?

Di

[dave798]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

had moved home had a mental breakdown and split temporarily from wife who unfortunately slung anything and everything to do with me in the bin either my possessions and/or any mail that came through the letterbox

[nemesis45]

Re: please somebody help me ref shoosmiths / arrow chasing debt after CCJ March 2012

by default I assume because first I knew about it was checking credit file

Ok had you moved home ?

nem