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Headsand

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Everything posted by Headsand

  1. Yes it did provide all that information but nothing relating to the orginal creditor so I don't know who it was and whether the amount is as claimed by CQ if anything. When I called Northampton they said the creditor they had on file was CQ. Date is from 5.5 years ago and relates to my previous address and Court is Northampton but its just moved to my local CC.
  2. Thanks for the reponses, ploddertom I've no idea, I wasn't great with debt in my younger years and had a breakdown about 6 years ago so literally buried by head in the sand hoping it would all go away... It mostly did and I paid back what I could but not everything as I was out of work for a period and just couldn't cope with it all, this CCJ has been issued by CapQ but the bailiff has no more information than that, I've read horror stories on here about them, so I've not answered the phone to them but have been advised to write to them to find out who the original creditor was. Citizen B I checked my credit file and this appears on there but with no information. I haven't yet sent the SAR but if I can get the infomation just by writing a letter as per your advice then I'll do that asap, and I'll keep the bailiff updated. Thanks again much appreciated!
  3. Hi, I have a post elsewhere about a 5 year old CCJ and what to do about it,but I need a bit more advice about the baliff involvement if poss as there hasn't been much feedback on that front. I have a 5 year old CCJ from and old address that I have not known anything about until very recently when I received an enforcement letter from my local CCourt Bailiff, the letter didn't refer to removing any good but just wanting to serve me papers. I called the baliff to let him know that I was contacting the DCA that issued the CCJ to find out more about it and to find out if the debt was mine and who the original creditor was. He said that was OK and I let him know that the DCA had 40 days to get back to me with info (which I think is the case). Is this ususal ? he asked me to confirm that I lived at the address he wrote to which i did and then he said he would await my update. This doesn't seem usual behaviour from a baliff, so just wondered if anyone had any experience of this type of scenario and whether I should write to the C Court and him to ensure that I have let them know what I am doing as I have only had a conversation with him on the phone. I don't want this to escalate so any advice would be much appreciated. Thanks
  4. Can any bailiff experts give advice on whether this is usual? Does a baliff that works for the court itself work differently to a company baliff?
  5. Sorry Debbie, the courts do hold records I called the Northampton Bulk Centre who confirmed that it had been transferred to my local CC and I have since spoke to the court bailiff who is apparantly just looking to serve me papers and will wait until I have contacted CQ to find out what is going on. Shoud I write to my local CC as you have instructed above and then separetely to CQ for the debt and original creditor info? Thanks again.
  6. Thanks Debbie, I have my tenancy agreement as well as bills. The date on the CCJ is March 2008 I moved to my new address in August 2008 but was going through some issues at that time and left my job, had a breakdown so as mentioned in one of my earlier posts I wasn't dealing with anything let alone my post. I guess that set aside is not an option unless my state of mind at that time could be a defence, my doctor can confirm and I was on medication. I think it just seems easier to contact CQ in writing via a SAR and get them to send me details of the original debt and creditor then deal with the courts directly. Any thoughts?
  7. Sorry one more thing, as I never physically recived anything from the courts does the set aside apply, if not can someone explain in simple terms what set aside means in the case of a judgement and what steps I would need to take?
  8. Thanks guys, I have contacted both courts and the Claimant is Capquest, I have contacted the local court bailiff directly and he said he will hold on until I send CQ the SAR as suggested to find out what it's for (not sure if that's usual for a bailiff???. I hope so! Thanks for your help so far.
  9. OK so I called the local county court quoting the claim number written on the letter, and they had no record of it at all so couldn't help me. They confirmed that the bailiff in question does work for them but that the information on the letter he posted to me didn't link or correspond with anything on their systems so they couldn't help me with any information with regards to the letter. As a side and not sure whether this is even relevant the letter template itself looks like a photocopied scan the top is cut off, by virtue of it being a copy and the telephone number printed on the header is no longer in use. His mobile number rings but he didn't answer it. I have also checked his details on the bailiff register and there is nothing there. I asked the person I spoke to at the court whether they would ordinarily send original or copied letters and she said that they would send original letters but unless she saw it she couldn't confirm whether it was genuinely sent by them. I am still getting hounded by CQ which seems odd as they have apparently asked the court to enforce this debt. Could it be possible that CQ is getting this bailiff to sent these letters that look like they are from the court as he has access to the templates, it seems odd that my local court office doesn't have the claim number, I haven't tried to call Northampton yet which is where the original CCJ was issued. Any thoughts or advice?
  10. Thanks for the response much appreciated! I checked on my credit report and it doesn't say, it just says Northampton CC, the notice I have received is from a different local CC bailiff enforcement office stating that they have documents that require my attention and to telephone them to arrange to deal with the papers, I haven't ever physically seen any CCJ document as it's for my old adress and I have been moved now for nearly 5 years. The claim number on their letter corresponds with the orginal CCJ from Northampton as per my credit file and on the letter the subject section shows as Capquest Investment with Debt of £4200. If a DCA can't issue a CCJ who is now enforcing this through the court and why are Capquest contacting me? Can they start enforcement? Very confused and worried.
  11. Also how would I go about finding out who the original creditor was?
  12. I am still getting swamped with calls from CQ, can someone advise on what I shoud do as a first step? Should I contact the court? Contact CQ, seek legal advice?
  13. Thanks for your help everyone, just one other query. what do I do as a first step? Should I contact the court? I've read some nightmare stories on here about Capquest so don't really want to call them, I know you mentioned that I could respond to the letter, I just don't kow how I would go about starting to make payments or who I need to contact? Sorry for all the questions just confused that after so long they would contact me with just a year to go on the 6 years.
  14. Hi again, What do you mean by the other means? Can anyone provide me with any advice on the questions I submitted in my first post , or more of an insight in how the CCJ process works after this period of time? Thanks
  15. No because I had moved at that time, the first I knew was from the credit report, because of my condition before moving I was literally just sticking my post unopened in drawers so I don't even know who the original creditor is or even whether it is an enforcable debt. I can't afford to pay back £4k and wanted to see whether there was any way around it.
  16. Hello, Please can someone help me with advice as information is conflicting and I am really stressing. Sorry this is a bit long but I wanted to explain as much as possible. I recived a bailiff letter from my local council regarding some court papers they want to deliver to me relating to a CCJ from just over 5 years ago from a previous address. I have lived at my new address for almost 5 years and haven't heard anything about this debt since I have been there. I recently was thinking about moving and went through some reference checks and discovered this CCJ (previously lodged with Northampton but now seemingly) moved to my local council (6-7 years back I had a breakdown and buried by head in the sand with regards to debts so I don't even know what this is for). As this CCJ was coming up to the six years (in 10 months) I was advised to just let it drop off my credit file (it's for £4500 and I am not in a position to repay it, also if they contact my employers my job could be at risk). The creditor is Capquest who I understand are a debt collection agency, I have also been getting about 10-15 calls from them a day ( I haven't spoken to them as I let the calls go to voicemail) on all my contact numbers so I am guessing that the property reference check has brought me and this debt as well as my contact details to their attention. I have some questions What do I do in the first instance I haven't been able to sleep for the last 3 days? Do I have to pay this? What are the implications if I don't? Should I respond to the letter? If I don't respond to the letter, could they contact my employer? After 6 years does the debt become statute barred? After 6 yaers can they still ask for payment? Thank you for your help and advice in advance. I know I should have paid my debts but I was really not in a good way back then. It doesn't make sense that they would leave it all this time and then make such an aggressive approach for payment with just a year to go.
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