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RE: CCJ/Debt Recovery Advice!

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  • 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.
    Tags: None

  • #2
    Re: CCJ/Debt Recovery Advice!

    Originally posted by bepo2015 View Post
    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

    Comment


    • #3
      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?

      Comment


      • #4
        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

        Comment


        • #5
          Re: CCJ/Debt Recovery Advice!

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

          Originally posted by nemesis45 View Post
          Given the amount OS I would suspect this could easily go to the High Court HCEO's have considerably more power.
          nem

          Comment


          • #6
            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.

            Comment


            • #7
              Re: CCJ/Debt Recovery Advice!

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

              Comment

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