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. #41
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    Default Re:  lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    I cant set aside for many reasons.
    (1) the first payment of 50 is due tomorrow. its been nearly a month since judgement
    (2) i cant afford the court fee to do this, and to get help you need to be on benefits

    No I hadnt informed them I had moved....its complex because its temporary moving whilst at uni.

    I have the claimformicon and judgment because i popped back to parents house and saw it


  2. #42
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    Default Re: lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    so in a way you did get it.
    rock and a hard place.

    might be better to just follow andy's thought in post 2

    pers i'd spend the 50 you have to pay anyway on getting a N245 running
    get it set to a lower figure PCM and deal with p'haps a set aside [though I can see no real reason to do so] later?

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  3. #43
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    Default Re: lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    " As my CCJ is "only" for 350ish, it will be satisfied within the next year or so i imagine, but it will also be a defaulted ccj as i cant afford the 50 set by the court, and have agreed to pay original creditor a token payment until i get myself sorted."

    Think your a little confused.....you cant have a defaulted CCJ...you can have a default CCJ...because you didnt defend it.....your not defaulting because your not meeting the payment set by the order..you have agreed a payment plan with the judgment creditor..they have accepted..they set the 50 initially..the court just typed it out....they therefore have rescinded and set it to your requested affordable payment.

    We could do with some help from you

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  4. #44
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    Default Re: lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    On my credit file it will make no reference to the 50 I am supposedly supposed to pay each months and the "missed" payments?

    I think when people hear of CCJs they panic because they think the courts are actively pursuing them automatically? I know I certainly did.
    Where as in reality, it is entirely the discretion of the judgment creditor right?

    If they wanted to enforce the debt they could pay the court fee and do it.
    If they couldnt be bothered to do anything and let the debt go, they could do that.
    The court doesn't really give a toss, unless their getting paid for enforcement?
    Am I right?

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  5. #45
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    Default Re: lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    you thought they might send bailiffs
    they haven't yet?

    the CCj is there already unless you pay it in full in [28 days] [today was it?]
    it will remain there for 6yrs regardless to if you pay it or not.
    a satisfied CCJ is just as damaging and a non satisfied one.

    the only way to remove it would be to set it aside
    I cant see a viable reason to do that
    you got the claimformicon
    you didn't respond.
    and I cant see a defence for the debt anyway.
    paperwork issues don't matter now.

    dx

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  6. #46
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    Default Re: lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    Well I didn't get the claimformicon in time because I'd been away from parents house for several months whilst at Uni but from my research apaprently this on its own is not a good enough defence to get it set aside.

    How about if the original creditor agree not to get in the way of a set it aside claim? maybe if i offer full payment and a bit more for their trouble once im in position to do so? will this make any difference or are they not even present at the hearing?


  7. #47
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    Default Re:  lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    Quote Originally Posted by honeybee13 View Post
    Hi. Digressing a little, why don't you want to claim JSA? You could post on our benefits forum for further advice.

    HB
    Full-time students are generally not able to claim JSA - even during the Summer vacation periods. There are a few exceptions, which include:

    -If you are a lone parent
    -A member of a couple with a child where both of you are full-time students and you claim during your summer holidays.
    - If you are attending a DWP related course or scheme for a limited period (seek specialist advice in this case)

    You can also claim if you've taken time out from university for poor health or caring responsibilities, and you're waiting to re-join the course

    OP - Have you contacted your institution to see if there is a hardship fund or Summer Vacation fund that you might be able to seek support from?


  8. #48
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    Default Re: lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    Apologies, I thought you had stopped being a full-time student.

    HB


  9. #49
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    Default Re:  lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    Quote Originally Posted by tom100 View Post
    Thanks a lot Andy
    The creditor is Lowell I know they have a bad reputation but it seemed like the woman on the phone was really genuine, but doesnt mean to say she doesnt have more unforgiving superiors.

    Yes she said I'll be getting payment plan through the post. I really doubt its going to explicitly state "if you continue this payment plan, we won't enforce the debt" as it would mean I could take over 10 years paying it off haha, hardly worth it for them when they have the CCJ?


    So 25 to apply for the CCJ, and 77 to enforce it? Thats almost certainly more than they paid for the debt isn't it?
    They only seem genuine because they are on commission and getting payment is there main game ! I can understand you feel overwherlmed at the moment but please listen to the great advice on here and also don't take the DCAicon at face value no matter what they tell you.
    DCA's will stitch you up to suit themselves. Once you start to take control they they tend to back off quickly. Personally I would be making sure all correspondence is in writing !


  10. #50
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    Default Re:  lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    Quote Originally Posted by tom100 View Post



    (2) i cant afford the court fee to do this, and to get help you need to be on benefits




    There is more to being able to claim Fee Remission than on being on Benefits. https://www.gov.uk/government/public...-tribunal-fees Follow the instructions at the end of Q9 on the Form.

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  11. #51
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    Default Re: How bad is a CCJ, really?

    Quote Originally Posted by tom100 View Post
    Like most things on the internet I've seen a lot of conflicting information about this and was wondering if anyone could actually categorically clarify what the deal is?

    I've recently got my first ever CCJ and am worried sick about the future and what it could prevent me doing.
    I don't plan on working in finance, but i've seen things and even topics on here i've searched (from 2012) that suggest it has prevented people from doing jobs you wouldn't think of all because the company performed a credit check.

    The no mortgageicon thing isn't a big deal to me, but i'm seriously considering a career in the civil service or the police force and am worried this could be held against me?

    Some say a CCJ isn't much worse than a default, but it is right? Much worse?
    It may not be as bad as you assume ! I can hopefully give you helpful advice from my experience in relation to the credit check or SC clearance.

    I work in IT and previously one of the companies were linked to finance, I was there a year before I had to go through SC , after filling in forms I too had the dreaded section of finance , by then I had about 4 defaults , late payments etc. I filled it in sparsely and did not put all the loans or CC's on that I could have it got sent away but consequently failed ...

    lucky I was given another chance about two months later , this time I put in every loan \credit card \ Bank account , what the balance was and what I was doing to deal with it ( speaking to creditors and arranging payment or,those who refused payment plans and sold it on etc etc.. the crux of the story is that the financial side was not so much a problem but honesty is as you could be deemed susceptible to bribery etc ..

    On the other side recently contracting I got accepted for a building society role for 3 months , did a credit check and failed, they were gutted and said it would have to be run past their security dept but I turned it down as I knew it would drag on too long.

    I now am contracting quite happily , get paid a decent wage, have no new loans or credit cards, drive a second hand car fully paid for and pay for everything in cash. I don't and wont get credit anymore as I just don't want to be owing money.

    These debts have been around since 2012/13 and yes they are hanging around my neck but it has not stopped me getting jobs with 4 UK based corporations none of which have credit checked me ! I just stay away from financial institutions for now.

    I too have a CCJ but as the guys say on here this will drop off around 2019/2020 . Other creditors are giving up the ghost as they do not have any suitable documentation, coincidentally I am currently awaiting court appearance with none other than Lowell who have not provided any paperwork and so far have written off another debt I had with them.

    I hope this shows that all is not lost and you should pursue those roles.

    Oh I know police officers who have debt , yes they are not supposed to but some are using credit cards on a regular basis because they cant just live on a basic police salary so all is not lost..be honest on the application form and show you have control of your finances

    Sorry if this seems like war and peace but we have all gone through the similar situation you have and come out the other side. In you favour is the fact you are at your parents house so draw a line under the past experiences with debt and take control...

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  12. #52
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    Default Re:  lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    Quote Originally Posted by tom100 View Post
    Excellent thanks for the reassurance.
    In any case they would have to send a letter giving me 7 days notice ahead of the first visit, right?

    I have quite a few debts with them, this was for the lowest amount. Do you think its likely they purposely chose to pursue a CCJ for this one to see what my reaction would be and if I would immediately pay up? As if I did, I'm sure they would apply a CCJ on the other accounts too to get the money ASAP?
    Lowell will chance it in the hope people won't challenge it and get a CCJ without realising. A CCA Requesticon for these other debts would certainly see what they are or are not entitled to ..


  13. #53
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    Default Re: lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?

    Thanks for the words notodebt

    i aim to be 100% debt free within 2 years. of course i will still have a few defaults, and the ccj (which will be satisfied) but still on the file for a further 4 years at this point but apparently you can still get in the police force as long as the ccj is satisfied

    https://www.ukpoliceonline.co.uk/ind...tanding-debts/


    like you said about your history i think the key is always honesty and transparency. you can't hide your financial record, especially from police vetting procedures but i think and hope as long as your 100% completely open about it and explain what you did to rectify the situation, and how you have sorted yourself out, it should be ok


    fingers crossed anyway



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