Good morning All

I have come into my office this morning and sat on my desk (marked private and confidential) but that is a matter for me to deal with, is a letter to me from E Baring and Co regarding and Judgement and Warrant for the disputed vet bill.

One of the paragraphs which I find particularly concerning is:-

The judgement has been registered in the Register of Judgements, Orders and Fines and cannot be removed until the Judgement is discharged in full. This Judgement will be registered against you for a period of six years unless paid in full. We are sure you will appreciate the implications of having a Judgement registered against you and the possible impediment with regards to seeking employment and obtaining credit in the future'.

In a nutshell they are looking to seek an attachment of earnings.

I am mortified so much so that I feel like handing in my notice at my job (I have been here 5 years).

Is there anything I can do?

Thanking you in advance.

Hello there.

Is this connected with your previous thread please? Some background will help the advisers.

https://www.consumeractiongroup.co.uk/forum/showthread.php?478185-Unknown-Vets-CCJ-Now-HCEO-and-Debt-collector-writing-to-me-at-work

HB

Yes it is sorry - I wasn't sure how to connect the two. However it has now moved up a gear as they have sent this to our accountant.

Threads merged, please keep posting on this one, Debvfm. People should be along later with advice on this.

HB

Thank you

J E Baring & Co are a firm of Solicitors, not a DCA that come under FCA rules. DCA's are not allowed to contact people at their place of work, if the debtor has not agreed to this and the debt is not related to the company they work for. Solicitors have no such requirement and will write to the place of work, if the debtor has not provided a current private residential address.

What you can do.

Phone the Northampton County Court Bulk Centre using the numbers contained in the auto link. They will provide the CCJ details, so you know when the claim was issued, which address it was sent, what the particulars of claim were, the amount of judgement and the date of judgement.

Once you have those details come back here with it.

The claimant was entitled to send the court claim to your last known residential address and then chase it up where you work. They would not send the court claim to your work address, as the claim did not relate to your employers work. The CCJ had to be registered against a private address you have provided.

The next step is whether you arrange to pay the CCJ or apply to have it set aside with reasons for defence. But get the CCJ details from the court first.

Brilliant unclebulgaria thank you for your help. I will call the Court once I have a chance and cannot be overheard.

Thanks you

you could have prevented all this if you'd acted as advised in june.

so what did you do...bury your head hoping it would go away?

dx100uk - sorry I thought this was a forum for advice. No I didn't bury my head in the sand hoping it would go away. I have been in hospital and recovering from an operation.

Thread moved to General Legal Issues Forum.

Regards

Andy

It is for advice Deb, just some won't take action on the advice they're given.

Hope your OP went well and your recovery is going well?

How far have you got with exposing the vets, and the fact they don't hold a credit licence?

Did you sign the agreement they emailed?

good reason for a set aside then.

now you've just got to counter the debt issue..

go ring northants bulk

ask for a copy of the CCJ and the claimform by email pdf

Brilliant thank you. I will now I am finally back at work (god knows how long the letter had sat there as they had sent it to our accountants first) oh the shame.

I will get onto this.

As for the credit agreement from the vet there was none and none signed.

I was sent a link to a loan company which would lend me the money to pay the vet until the insurance paid out.

I am not even sure they should be suggesting this especially with someone who is an emotionally fragile state with a very sick horse.

Not fair at all on people.

They are NOT supposed to mention this, hence why you should report them for doing so.

I would also be making a formal complain to the VETS regarding this matter, and informing them you are seeking legal advice, with a view of taking them to court and suing them.

Hi

What can I sue them for?

Offering me the services of a loan company so that they can be paid?

The letter to the accountants was addressed to me but not marked private and confidential.

Should I contact the solicitors in the meantime?

lets assemble the info

love to see what their POC said...