Hi,

Unfortunately I defaulted on a credit card. This has been passed to PRA Group eventually.

We've had a couple of visits and letters dropped off. Is this a genuine bailiff working on behalf of PRA Group or the Courts I wonder?

The "Produced by Rob Barber" in the botteom right corner scrimbled out by pen has me wondering.

Thanks,

T.

manchester court - Notifice Of Visit By Bailiff.pdf

it is. basically your debt was sent to small claims court. You didnt respond, so they gained a judgement. They then asked for a bailiff to be used for enforcement.

Give us more info on the debt please. And why you didnt respond to the court claim.

Go and check your Credit File and see if you have a CCJ on it...

Of course you have a CCJ ..you cant get a Warrant without one...thats from the Courts Bailiffs

There is no doubt in my mind that the letter is genuine. No doubt at all.

Thanks for the reply.

The original debt was on a Lloyd's credit card. I have to admit that it was a case of sticking my head in the sand and hoping it would go away. Yep, screwed up I know.

Wondering what my options are now? Nowhere near in a position to pay the full amount off in one go.

Roughly when was this card defaulted, and when did you last acknowledge or make any payment on it?

If you have no grounds to appeal this then your other alternative is to apply to both Suspend the Warrant and ask for the Court to agree a payment proposal you can afford each month. This application is made on Form N245 - it is a dual purpose form - there is an application fee to pay (£50) but if on certain Benefits or low wage this may be waived in full - see Forms EX160a & EX160c for details. All Forms available as download from HMCTS website.

Default backdoor CCJ cause you didn't inform your creditors you had moved?

Once you've got the 245 running so the bailiffs are sorted

It might pay you to ring northants bulk and ask for a copy of the claim form and the CCJ by email PDF

You'll need the CCJ number from you credit file

All the forms are here on CAG in our legal Library.....

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?406-Legal

Thanks for the reply.

Also thanks to the others who have replied and offered advice.

I guess the next thing I need to do is study my credit file and take it from there.

Cheers.

Your credit file will not be of much assistance.... follow post #8 and #9

You must remember the clock is ticking. Although a County Court Bailiff is relatively easy to deal with they can catch you off guard when least expected. In particular if you have anything outside that is of value - car, caravan, motorbike, good BBQ or garden furniture - can all be taken into control. It is far easier to make inroads now rather than having to hurry it. The good thing is the N245 is a relatively easy form to fill in. Once deposited at Court it is then a simple matter of letting the Bailiff know and he will more than likely withdraw.

Hi,

I spoke to the bailiff today over the phone.

I mentioned suspending the warrant and the N245 phone.

He said that was one option, the other being speaking to PRA Group and asking to arrange to pay monthly installments.

He also said I should speak to PRA Group rather contacting them by in writing.

Obviously PRA will try to extract as much money out of me as possible, an unrealistic amount to my circumstances I would guess.

Will the courts via the N245 look at my offer more sympathetically?

Do they simply pass on my monthly offer to the PRA and then PRA decide whether to accept the offer.

The debt is 8K.

Would an offer of £75 to £100 quid a month be considered a reasonble offer I wonder.

Thanks.

" Will the courts via the N245 look at my offer more sympathetically? Do they simply pass on my monthly offer to the PRA and then PRA decide whether to accept the offer."

Yes its passed to the creditor for consideration....attached to the N245 is an I&E which providing you complete truthfully and make a proposed monthly offer..they will have to accept or the court will make them accept.

If the I&E reflects an affordable payment of £20 pm then thats what they will get.

The N245 offers you protection...dont agree a payment with the creditor direct.