I was CCJ'd two years ago by BC on behalf of egg. I haven't made any payments, mainly because I can't afford to, and I don't trust BC anyway. I wrote to egg offering to make small payments to them direct, but they never replied. Anyway, egg have now told me that my debt has been passed on (sold?) to some outfit called Britannica, aka Arrow. Should I need to start worrying about this? Surely they can't CCJ me again, or will they send 'round the "heavy mob?" I refused to deal with BC and Fredricksons, and they left me alone after a while, and certainly never send 'round any bailiffs, but it looks like I'll have to deal (in writing, of course) with this new mob, as they seem to have bought my egg debt. How do I deal with this latest bunch of jokers? Help!

Erm, thanks, but I need specialist advice, and preferably not in txt spk.

Thanks for your reply, but I don't want to avoid my debts, just get them sorted, but I'm not really interested in dealing with Bryan Carter.

Hello. I've been going through these forums to find an answer to my query, but I now feel my head is going to explode! I apologise if a similar question has been answered before. I took out credit cards and loans when times were good, but now I'm on long-term sick leave from my job and my recklessness is coming home to roost. I'm on benefits, so just can't afford to pay my debts anymore. I've been ill for a while, and so have had my head in the sand, and have not addressed my problems until now... I've contacted CCCS, and I have now written to six of my seven creditors with a token offer of £1 a month each. When my situation improves, I will look at paying more. I don't want to avoid my debts, but just don't have the means to pay them at the moment. So, hopefully these six creditors will leave me alone for the time being. It's the seventh that's the main problem. I had a loan with Egg, but defaulted on it late in 2009 when I started having problems. Fredrickson, and then Bryan Carter, started to chase it, and I eventually got a County Court claim. The claimant was Egg, and the address for payment was Bryan Carter. I panicked and accepted the claim, and offered to pay £150 a month to Carter, and a CCJ was issued on 20/12/09. My situation got worse and I couldn't afford the £150 a month. Some time ago I got threatened by bailiff action by Carters, but nothing happened. They ring me up every day, but I just ignore them. As I said, my head was in the sand, but I'm now ready to sort this out. CCCS recommended getting court forms N244 and N245, and making a token payment offer, which would be fine, but I've been reading all the horror stories about Carter, and I'm reluctant to deal with them, let alone give them any money. I'm willing to write to Egg, but what happens with this CCJ? I realise that I've left all this far too late, and that I should have defended the claim at the time, and issued a SAR/CCA, but I just went by the claimant being Egg and accepted it. So, were Carters justified in issuing this claim, and should it not have been Egg themselves? And what the heck do I do now? Cheers.