Are you worried about bailiffs? If you have problem debts, seeing programs like Can't pay? We'll take it away can be alarming. As one reader said: If I stop my direct debit and don't pay them this month surely they will not be happy? I don’t want bailiffs around my house. If you have already had a letter from a bailiff read: Bailiffs - do you have to let them in? What you need to know. This … [Read more...]
If a creditor takes you to court you will get a County Court Judgment (CCJ). This is not a criminal conviction, but it will badly damage your credit record and may lead to problems with bailiffs etc if you do not deal with it properly. In the first quarter of 2015, there were 209,000 CCJs - this is up over 20% on the number a year ago. It seems that debt collectors are going to court more often and for smaller amounts.
A creditor or debt collector may threaten to take you to court but they may just be bluffing. You need to know the facts, what to do if you do get court forms and what happens after you get a CCJ.
This page has all Debt Camel's posts about CCJs in date order. Also check out Worried about CCJ's - common questions and problems, which gives an overview with links to more detailed explanations.
A reader asked: I took out countless pay day loans for example with Lending Stream, Quick Quid, MyJar, and Wageday Advance a few years ago. Suddenly they have all come out of the woodwork. I now have a court claim arrive from MotorMile Finance – for a Lending Stream account. I have applied to extend the date for defence but am not sure what to put in my defence. There are three other accounts … [Read more...]
A few readers have asked recently about long term debt payment arrangements. What information do they have to give to a debt collector? Can they can be asked to pay more? etc. Let's look at three different cases: an arrangement with a creditor; what happens if you use a DMP firm; and what if the payment is to a CCJ. Arrangement with a creditor Mr A asks: I have had an arrangement … [Read more...]
A reader asked: My previous electrician has hired a debt collector, Guardian Recovery, to chase me for money for additional works never carried out. He refuses to engage with any meaningful discussion. I have now received an email from Guard Rec saying a notice of default may now be applied to my credit file. Can I actually receive a NOTICE OF DEFAULT on my credit report via a private dispute … [Read more...]
If you don't know if you have a County Court Judgment you can check Registry Trust's database of CCJs. This is the official central register of CCJs and you can search it using the Trust Online system. Your creditors aren't informed when you check this way. You may want to find out about CCJs for two reasons: if you have been ignoring your debts for a while and you have moved or thrown … [Read more...]
If you get a letter saying that Big Bank has sold your debt to Snake & Weasel Debt Collectors you may be very worried. This article answers questions about what has happened and how it will affect you. Will the debt collection agency (DCA) be horrible to deal with? Is it legal to do this? Do you still have to pay the money? What about your credit record? What if you don't owe the … [Read more...]