Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ - now an N24?

    Good afternoon, or is it?

    I returned home this afternoon to find a card small card posted through my door, from county courticon bailiff.

    I was very surprised, really, and contacted the number straight away.
    The bailiff answered the phone, seemed pleasant enough, and explained that the visit was in relation to a debt with Cabot finance, outstanding CCJ.

    He said he couldn't return today, due to having to be at a eviction!
    He also complained about being the only county court bailiff in the area.

    He said he might be able to return tomorrow, and he has some paper work for me to fill out?

    I have dealt with other bailiffs before over council tax, and have always found them to be very polite and reasonable and I've always been able to set up a payment plan, but I've only ever owed a few hundred pound before, this is a massive sum, and I can't afford to pay this back all at once.

    Anyone know what will happen when he returns tomorrow?
    Will he allow me to set up a payment plan?

    I'm so annoyed with myself, as I've literally just got myself all up to date with all my debt, a considerably small sum, but a lot to me.


  2. #2

    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    pers I'd not let him in or sign anything
    or agree any payment
    as you say they are not commission paid and as soon as he finds out you will most probably be setting this aside by an N244icon he'll leave you alone

    if you know nothing about the CCJ I suggest you go get your credit file.
    it should be listed on there

    then tomorrow
    ring northants bulkicon with the number and ask for a copy of the claimformicon and the judgement by email PDFicon

    I suspect you've moved in recent years
    not updated your creditors and one of them has sold the debt on to Cabot
    and they with their friends restons have gotten a backdoor CCJ at an old address

    hence the bailiff at your door being the first you know about it.

    dx

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  3. #3

    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    moved to FLI as the bailiff issue is not important really...
    more important to deal with the CCJ

    Thread title amended

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  4. #4

    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    Was you not aware of the debt or judgment ?


    Andy

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  5. #5
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    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    I've just checked my credit file, how soul destroying!

    There is a CCJ for the amount of £1838 , from December 2016

    I assume added fees this brings the total to the £1938 .

    Have I mentioned , I'm annoyed with myself?
    do you think he would except a payment plan?


  6. #6

    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    If you can answer my previous question will determine whether you need a payment plan...is it your debt ?

    We could do with some help from you

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  7. #7
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    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    I believe the debt is from a old Vanquis card from 2013
    , i guess the answer is yes,

    although I hadn't realized it had got to this point.

    Stupid, really, but no warning about todays visit ,
    he assures me his has lots of old paper work on the debt.

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  8. #8

    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    I gather you have moved since taking it out?

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  9. #9
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    Default Re:  Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    Quote Originally Posted by dx100uk View Post
    I gather you have moved since taking it out?
    No< I haven't moved, I did receive letters from Vanquis, but I've never had letters from a Cabot, or whatever they call themselves. I've only ever had that credit card, so it has to be that .


  10. #10

    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    And never received the court claim response pack ?

    We could do with some help from you

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  11. #11
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    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    Definitely not.


  12. #12

    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    looking better for you all the time then...

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  13. #13
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    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    The bailiff seems to think he has LOTS of old paper work though
    , I just want to set up a payment plan, I will be happy with that.

    I literally am going through a extremely stressful time at the moment and this will break me, I'm not just feeding you all a sob story,

    I am a mother to a disabled son and I am his carer, I get carers allowance and he receives full PIP for care and mobility

    . I am up with him most nights, I'm exhausted and emotional.

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  14. #14

    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ

    Dont go jumping into a payment plan with cabot just cos they got a CCJ. Drop them to £1 a month forever and tell them thats all theyre going to get. End of.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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  15. #15
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    Default N24 form received from court

    Can anyone explain this form to me please. Thank you in advance

    Attached Images Attached Images

  16. #16

    Default Re: N24 form received from court

    Someone tried to get an attachment of earnings but the court judged that it wont happen as the person is unemplyed until a date in June next year. If circumstances dont change it will be struck out

    The 2nd bit is how to appeal and the procedure


  17. #17
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    Default Re: N24 form received from court

    Cabot finance issued the attachment of earnings against me , but I am a full time Carer for my son who was involved in a serious accident a few years back, so I am now unemployed as such. What happens next then? Do I need to do anything?


  18. #18

    Default Re: N24 form received from court

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  19. #19
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    Default Re: N24 form received from court

    Quote Originally Posted by dx100uk View Post
    Yes


  20. #20

    Default Re: Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ - now an N24?

    threads merged please keep to one thread...

    pers i'd start the process of getting this set aside as you didn't receive the org claimformicon

    did you ring northants bulkicon and ask for a copy of the claimform and the CCJ by email PDFicon?
    if not do so.

    it might also pay you to sent vanquish a free SARicon too

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