Hi guys this is my first time posting so please bare with me.

I have just received a letter from County Court Money Claims Centre titled,

"Notice of application for attachment of earnings order"

the creditor is Capquest and the sum is £9398

this is for a credit card I had 10 years ago,

I have never corresponded with Capquest

they got a CCJ against me at Northampton court last year.

My question is,

will they succeed in getting money back through my employers?

Should I fill in this means form and return it?

Thank you very much for any help.

You should have defended against capquest. The debt was very very likely unenforceable. As for the AoE order, yes. They will succeed.

Can you give background on your debt? It could have been statute barred, or perhaps UE by other means, although a set aside might be available to you, but for a fee.

It was a credit card I got in 2006 and it had a £5000 limit on it,

being young and foolish and also unemployed I never made any repayments and just ignored letters from then until now.

They got a CCJ against me last year and now I have received this letter today.

Should I fill this form in?

I don't have much left out of my wages anyway.

Thanks for a swift reply

If I have never replied to them could I send a statute barred letter back to the courts or have I missed my opportunity

did you know they were going for a CCJ

or was it done to an old address because you didn't update your creditors or the owners of your debts that you had moved

dx

I've never corresponded with them in the 10 years they've been chasing the debt I was just throwing the letters away, then I opened the court letter stating that I had a CCJ against me at my current address

did you get the claimform from northants court

that would not have been from cabot nor had their name on the outside

but in a large brown thick A4 envelope

I don't recall I'm sorry, possibly though as I've just binned everything

have you moved since you took the card out?

Yes lots of times

right

I wold ring northants bulk in the morning

as them for a copy of the CCJ

whilst you have them

ask them what address the claimform was sent to.

IF the claimform was sent to an old address

and

IF the debt WAS statute barred by the time they sent the claimform

THEN

you can file for a set aside and the whole thing can be wiped out

if not your alternative is a variation order I believe.

I will suspect knowing cabot and probably reston solicitors?

it was purposefully served to an old address because they knew the debt was statute barred

but if you don't or cant defend because of the above

nothing is checked and the whole thing is just rubberstamped

Oki dokie many thanks for your help

if the form you have is an N56

http://www.consumeractiongroup.co.uk/forum/showthread.php?447640-Received-an-Attachment-of-Earnings-unknown-Cat-debt-CCJ

thank you

Check that the debt is indeed statute barred. Youll be paying THOUSANDS when you wont have to pay a single penny otherwise.

How can you check if it's statute barred? Surely it must be if I've not corresponded with them in 10 years? Thanks for helping me I really do appreciate it

if you did pay at all from takeout date

then it would have become statue barred 6yrs from you last use

when you last bought something as using the card is acknowledgement of its existence.

who was the card with?

when did you last use it roughly

have you looked at your credit file?

it might help you.

dx

It was last used in 2007 and it was a Mastercard I think

who was the creditor