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)


Page 2 of 2 FirstFirst 1 2
Results 21 to 25 of 25
  1. #21

    Default Re: Builder has stopped paying agreed CCJ

    DCBL are the company featured in Ch5 Can't Pay, We'll Take it Away.

    They have form for not sending the correct paperwork out and adding all fees on their first visit.

    They do not have their own Authorised HCEO but instead pay to use the services of one from another company who actually lives in Florida.

    There is a question mark against both DCBL and the HCEO they use which hopefully may get resolved before too long. I'm not sure if you have been warned of this.

    There is nothing stopping your debtor applying for Set Aside but would think it very unlikely given the time span and payments he has been making previously.

    He could also apply for a Stay of Execution against the Writ if he has grounds to do so - again I think unlikely given past history.

    He could also apply to the Court to set payments he must make to you, if this does happen and you decide to go the HCEO route then let them deal with all payments as if he defaults at any time they can step in to continue enforcement.

    Do not be tempted to deal with your debtor yourself as if you engage the services of the HCEO and you do this then you can be held responsible for their charges.

    If the Defendant decides to pay you direct then notify the HCEO ASAP as you may have to forward any payment to them.

    Please consider making a small donation to help keep this site running



    Follows
    0
    Following
    0

  2. #22

    Default Re: Builder has stopped paying agreed CCJ

    Recommend SO as I said
    Neighbour has sussesfully used them 3 times over recent years. Every time all it cost was <100 to him

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

  3. #23

    Default Re: Builder has stopped paying agreed CCJ

    The HCEO is bound by the Fees regulation 2014.

    When the Sheriff is engaged:
    The only thing the creditor will be liable for is the compliance fee 75plus VAT (90) Plus his fee if any

    If a controlled goods agreement is made, the proceeds, (income from the debtor) will be split in proportion to the enforcement stage reached, and the debt remaining to the debtor at that point.

    The HCEO is not permitted to just make a payment plan without taking goods under control . (this is to secure the bargain and the terms of the CGA are subject to permission of the creditor)
    So if the controlled goods agreement is breached, the entire sum is due, and goods are taken and sold.

    The above over-rides anything you may see in T and Cs.

    Just a thought but have you considered an attachment?

    DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS
    DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT
    BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS
    Follows
    0
    Following
    0

  4. #24

    Default Re: Builder has stopped paying agreed CCJ

    Quote Originally Posted by Dodgeball View Post
    The HCEO is bound by the Fees regulation 2014.

    When the Sheriff is engaged:
    The only thing the creditor will be liable for is the compliance fee 75plus VAT (90) Plus his fee if any

    If a controlled goods agreement is made, the proceeds, (income from the debtor) will be split in proportion to the enforcement stage reached, and the debt remaining to the debtor at that point.

    The HCEO is not permitted to just make a payment plan without taking goods under control . (this is to secure the bargain and the terms of the CGA are subject to permission of the creditor)
    So if the controlled goods agreement is breached, the entire sum is due, and goods are taken and sold.

    The above over-rides anything you may see in T and Cs.

    Just a thought but have you considered an attachment?

    Hi Dodgeball

    Many thanks, I think I follow what you are saying...
    Can you explain what you mean when you ask if I have "considered by an attachment"? What do you mean by an attachment?

    Thanks


  5. #25

    Default Re: Builder has stopped paying agreed CCJ

    Well it seems he has means, what about requesting some other kind of enforcement. CAB would be better to advise , but a charge on his property perhaps. I thought AOE but he is self employed I believe. There are also other methods, Leasehold or freehold makes no difference by the way. Is there any equity on the property?

    DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS
    DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT
    BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS
    Follows
    0
    Following
    0

Page 2 of 2 FirstFirst 1 2

Tags for this Thread


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details