Can the debt collectors get a ccj for lower amounts like 800 pounds of my halifax loan for a computer taken back in 2004, which includes interest? please anyone help. Thank you

I don't have it at the moment. I don't know whether it was a valid one? That is why they are not taking any action?

Thank you so much for your reply. I'll do that soon and get back to you. You are angels from heaven.

The last payment was made in the last months of 2004. And the debit collectors chasing me from 2005. And the debt has been changed hands several times and finally ending up in the hands of 1st credit. I once sent a CCA request and they send me the agreement showing the details. In order to avoid any court judgemnts against me should I necessiarily pay the money or what should I do to avoid paying any money? Please help me I am now desperately looking for help. My default also reaches statuatory time of 6years within 1 and half years.

Hi lilly white, Thank you very much for your great advice. I have been receiving these letters since long time now from the past 4 years or so. And once I sent the letter that was adviced as above. And they send me the agreement letters. But since then this debt has moved to several different debt collectors and ended up with 1st credit now. MY questions are 1. should I send the letter that adviced earlier again? or should I be silent about it and don't do anything? because they have been doing this to me since long time. can they be able to get ccj against me if I become silent about this? please advice. Thank you Joy

Thank you very much everyone for their very prompt and early replies. Its really appreciated. The credit collection agency is '1st credit ltd' Thank you.

Hi there, First let me thank you very much for your help in this forum. Here follows my nighmare; I have debit collection agency chasing me to pay 1000 pounds (which include interest) that was borrowed from halifax for a computer in 2004. Since 2004 the debt has been changed hands between several debt collectors finally ending up with first credit since 5 months I think. My question is whether the debit collectors go to court for this money? to get me a ccj? I don' t want this to happen ? if they do so, should I pay this money to them? or ignore it? Please help me I am a student. That money was borrowed by one of my rougue friends by stealing my details and went away to another country. I paid in the begining by knowing that the loan is on my name and if I don't pay I will be dragged into court. However, I stopped paying that after some time, as I was not in a position to afford it. Now I again became a student and can no longer afford to pay it. Please sugget me. Thank you so much joy

Hi there, First let me thank you very much for your help in this forum. Here follows my nighmare; I have debit collection agency chasing me to pay around 1000 pounds that was borrowed from HFC for a laptop in 2004. My question is whether the debit collectors go to court for this money? to get me a ccj? If they do so, I don' t want this to happen ? should I pay this money to them? or ignore it? Please help me I am a student that money was borrowed by one of my friends to buy a laptop and went away to another country. I paid in the begining by knowing it if I don't pay I will be dragged into court. However, I stopped that paying after some time, as I was not in a position to afford it. Please help me Thank you in adavnce joy

Hi there, First let me thank you very much for your help in this forum. Here follows my nighmare; I have debit collection agency chasing me to pay around 1000 pounds that was borrowed from HFC for a laptop in 2004. My question is whether the debit collectors go to court for this money? to get me a ccj? If they do so, I don' t want this to happen ? should I pay this money to them? or ignore it? Please help me I am a student that money was borrowed by one of my friends to buy a laptop and went away to another country. I paid in the begining by knowing it if I don't pay I will be dragged into court. However, I stopped that paying after some time, as I was not in a position to afford it. Please help me Thank you in adavnce joy

Hi there, First let me thank you very much for your help in this forum. Here follows my nighmare; I have debit collection agency chasing me to pay around 1000 pounds that was borrowed from HFC for a laptop in 2004. My question is whether the debit collectors go to court for this money? to get me a ccj? If they do so, I don' t want this to happen ? should I pay this money to them? or ignore it? Please help me I am a student that money was borrowed by one of my friends to buy a laptop and went away to another country. I paid in the begining by knowing it if I don't pay I will be dragged into court. However, I stopped that paying after some time, as I was not in a position to afford it. Please help me Thank you in adavnce joy

Thanks everyone here who seems very helpful in advicing people like me who are in trouble with their debts and with debt collecting practices. I defaulted one credit account (halifax loan for laptop in currys) in december 2004. This sums including interest is around 1000 pounds (about 800 is interest in this). And also another account in 2007 (rbs credit card). These happend due to my financial situations at that time. This sums around 800 pounds which includes interest. Now I' ve got a job. And also I've been chased up by debit collectors with their letters. Its a nightmare for me to handle these debts now. Should I need to pay above two debts to the debt collectors? Should I ignore them as the first one reaching its 6 years in 2011. Any help will be highly appreciated. Thank you very much