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.

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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 Length of time between default and ccj

    Hi

    I'm looking for a bit of advice regarding a debt collectionicon agency that is hounding me at the moment...

    I have a few very old debts,credit cards and Catalogue debt that will be statute barredicon come December but this debt collector is now planning to issue CCJ's on them...

    There's a couple of these debts where i have grounds to dispute them as they are actually not my fault as the originally company just didn't attempt to take any payments off me for over 12 months and when they realised they demanded all the back payments all at once...

    My question is are there guidelines on how long it should take a dca to go for CCJ's ??or can they effectively stretch the effects of them out on your credit file over 12 years by waiting the 6 years before issuing CCJ's which will then last for another 6 ???

    Thanks


  2. #2

    Default Re: Length of time between default and ccj

    moved to DCAicon forum
    not sure why you posted in the bailiffs forum

    a DCA is NOT A BAILIFF
    and have ZERO legal powers.

    when did you last pay anything to these debts?
    list them please

    original Creditor
    when taken out
    what type of credit
    last payment date
    whom owns it now
    credit file defaulted date

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  3. #3

    Default Re: Length of time between default and ccj

    hope this doesn't end up like all your other threads
    never resolved as you never bother to update them....

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  4. #4
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    Default Re: Length of time between default and ccj

    Sorry i wasn't aware i posted in the bailiff forum i though id posted in the debt collectionicon forum


  5. #5
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    Default Re: Length of time between default and ccj

    Again sorry there's nothing to update...i'm still deep in debt and getting hassled by bailiffs and debt collectionicon agencies i just come here to look for advice...i wont bother you again...
    Cheers


  6. #6

    Default Re: Length of time between default and ccj

    Tell us what is going on then

    We cant properly advise if you dont tell us why you are asking such vague questions as this thread

    So tell us ....

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  7. #7
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    Default Re: Length of time between default and ccj

    Again sorry but i thought the question was pretty simple not vague....perhaps its the way i phrased it.

    The last few debts that haven't got CCJ's against them are coming up to statute barredicon as i stopped paying my debts in December 2012..

    All i was wondering is if they were to gain CCJ'S this close to the 6 years would they be able to chase me for another 6 years and would it still affect my credit file, not that it would bother me much?

    There's nothing i can do about it i was only looking for the answer.
    ..i can't afford to pay them anything as my financial situation is about to get even worse because my wife is being made redundant in two months and we're barely managing now...

    I know that there's a timescale for a default to be registered and thought they may be such guidelines about how long it should take for them to go for a CCJ ?

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  8. #8

    Default Re: Length of time between default and ccj

    whos tells them its SB'd?
    doesn't stop them getting a Backdoor CCJ if they don't know where you live
    i'e you never told them or the original creditor in writing you have moved

    everything will be filed to an old address , 1st thing you'll know about would be bailiffs at your door.

    use the red toolbar search CAGicon box

    backdoor CCJ

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  9. #9

    Default Re: Length of time between default and ccj

    what I also meant to say is tell us about all these issues/debts you have
    I bet there are some we can help with rather than being resolved to your fate, which you appear to be portraying...that theres nothing you can do about them
    let us help you.

    dx

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  10. #10
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    Default Re: Length of time between default and ccj

    I'll tell them it's statute barredicon when it's time to do so....

    i've been at the same address for 15 years i haven't moved,
    they know exactly where i am as they were sending court bailiffs to my address most of last year,
    they had to change them as after i spoke to one they never came back because there's no money to pay them...
    .plus the burnt out cars on my street i think scared them off...

    i got into way too much debt towards xmas 2012 and sent all my creditors letters asking for reduced payments and giving them my income and expenditure breakdown and to date i've still not received a response off a single one in fact one even raised my interest rate afterwards.

    .. luckily i can go back on my online banking and the last payment made to any of them was December 2012...
    so i know the last one will be statute barred at the end of this year..

    They have got three CCJ's according to my credit file which is why they sent the court bailiffs last year..

    I'm resigned to my fate as apart from two of my debts they are my fault i just couldn't service them all and those two if push comes to shove i will defend in court or at least point out why i don't owe them, thats if they'll actually transfer the cases to a local court this time unlike the last CCJ which i requested by moved but somehow was still rubber stamped in Northampton...

    As i said i only really wanted to know if there were timescales about when they need to apply for the CCJ's or can they make them last almost 12 years by leaving it till last minute before doing so ??
    Thanks

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  11. #11

    Default Re: Length of time between default and ccj

    ok good that explain a few things.
    at least you will get notification...probably a letter of claimicon...ideally if you do you shouldn't ignore that one

    once the defaulted date on a debt reaches 6yrs, the whole account will vanish from your file
    obv that doesn't equate to the owner not being able to still do court..
    and as with the two CCJ you have, they'll show in the public record or judgement section for a further 6yrs, but the debt itself, again as you've probably noticed, does re appear on your file, just 'a CCJ relating to the debt.

    once you hit the state barred date [6yrs from payment or last time you wrote and signed a letter]
    you can send our statute barredicon letter
    following that they should back off under the new CONCicon FCA rules

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  12. #12

    Default Re: Length of time between default and ccj

    " As i said i only really wanted to know if there were timescales about when they need to apply for the CCJ's or can they make them last almost 12 years by leaving it till last minute before doing so ??
    Thanks "


    No limit as such...they will try to refrain for as long as possible before it goes statute barredicon...so 6 years....then they can run up section 69 interest (8%) within any possible claim.

    But some still issue claims that are statue barred.....because you would be surprised how many people dont even know what statute barred means.

    Default Markers and CCJ Markers are not connected ...they can only show for 6 years.



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