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Fg678

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  1. There's one other card for just over £400 in my credit file. Three of the cards were taken out end of 2017 or beginning of 2018. The largest amount. That card was probably taken out early 2017 or sometime in 2016. I've battled with a life long drink problem. Mixed with periods of heavy in the most part recreational drug use. I've been told I have mental health problems but nothing officially diagnosed. I was made officially bankrupt 15-20 years ago. Not long after the year was up I started borrowing again because it was offered to me. I again reached the point where it all got out of control. I didn't have the money to declare myself bankrupt again so I just ignored it. A while after the 6 years were up I was offered another card and that was that. I start out with good intentions of building my credit file back up. But then my 'issues' kick in and it all goes wrong. Addictions aside. I have a problem with spending money. I always have. Basically no financial company should lend me money. That is blatantly obvious from my credit history and spending patterns on previous and the aforementioned cards. I might have some more smaller debts not on my credit file. But to be totally honest I wouldn't know. I was too out of it to know or care. Rather surprisingly given my credit history as far as I'm aware this is the first time I've ever had a ccj against me. As I mentioned earlier not knowing much about bailiffs was my fear. Life is a lot easier for me if I can't borrow or have access to borrowing money.
  2. Thank you for letting me know. Is there any defence to the ccj's? I did have the cards. It's within the 6 years. Being totally honest £30 is a lot of money to me. I don't want to spend it if there's nothing I can do.
  3. I just wanted to check. I got through to somebody and they said there is a £10 charge per ccj. For that I get a copy of the claim and judgement. Is that correct?
  4. @Andyorch I didn't know that. Thank you.
  5. I've just tried to ring. Number 67 in the queue. I'm guessing it's better to call earlier in the day!
  6. Thank you. I'm the type of person who has to understand how everything works. That annoying kid in class who always has his hand up!
  7. The two companies are lowell and cabot. I'll get the information and come back with it. I did do quite a bit of 'Google' research before coming on here. There's a lot of confusing information out there they seem to tell you half the story. Just so I'm clear. Bailiffs in my situation, if authorised by a court. Can enter the property through an unlocked door and seizure goods? Or can they not do that with a consumer credit ccj? Or point me in the right direction so I can read up on it. Thank you for your help. It's good to finally speak to somebody who tells you how it is.
  8. My apologies for posting in the wrong forum. Yes you are correct. They were filed at my old address. Which wasn't the one the cards were taken out at. I have good reason to suspect that somebody has contacted the debt companies and told them I have money I don't. That's added to my worry. Can I ask how long it would take for the baliffs to come if they were and why you think it's unlikely?
  9. Thank you for your replies. I lost my job about 3 years ago and I've been on UC. Most of it as unfit for work. I've never been self employed. I have a number of power tools and hand tools valued at 2k if bought new. I've held jobs in maintenance before and the tools were bought then. The idea being when I'm well enough to work to go back as a handyman or something similar again. More than likely self employed. I won't be able to afford the tools again without working. No tools, no work. I had 3 credit cards. The debts were around 2-3 years old. Out of the blue a 3 months back they filed and were granted ccj's. One £900 and two others to the same company for £2000. I knew nothing about it. I happened to look at my credit report and saw them. I've panicked and I'm obviously worried about baliffs coming around and seizing goods. I don't know how quickly these things move and the amount of debt it's worth them chasing. The tools are all I have of any value. But more importantly are a way back into work. Not knowing about the ccj's has made me think it could happen again with the baliffs turning up out of the blue. Knowing a way to check court filings for this area would help greatly. I live in one room of a shared house so they wouldn't be used for DIY.
  10. Hi, I've just read through the article on baliffs. It's the only place I've found which explains how that limit is reached. That was one of my questions. Thank you very much to the person who wrote that and had the foresight to explain it. My other questions are does it matter if the person is unemployed? For example. If I am a builder but I'm currently unemployed due to ill health. Can the baliffs still take work tools if you are not working? If they can't is there a time limit when they're no longer considered work tools? Say for example you have been off work for one, two, three years due to ill health?
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