Got it dx100uk --------- That’s very kind of you --------- I appreciate the advice. I didn’t think for one minute that the CCJ would somehow go away. Have accepted that messing about and forgetting the debt has led to this…….. Thanks again dx100uk Yes London1971, I really didn't need to get into this situation as I could have kept them informed of my whereabouts and not just run away...... Great advice again - one more thing --------- do I need a letter template for writing to them? Thanks again London1971

Yes, clearly they used this back-door CCJ technique, as I checked with Credit Karma and the CCJ is there. Thank you London1971… Going to deal with it and pay off in instalments anyway as I’m felling a bit more flush with a new (boring) office job. Is it bad to telephone them? Is writing better? Also - are these “debt management” companies any good? Would Citizens' Advice help with how to apporach the company, or should I just call them? Thank you Again

Sorry - I thought you meant photos of the correspondence I've had from the DCA. Was just getting them. I'll look at Experian or whoever and find out. Thanks again for your help...

Thanks for the reply.... As you can see my post is full of questions, so I never claim to know anything. Even when I said I’ve always “understood” something, you can see that I used quotation marks, to emphasise the fact I'm probably wrong. The whole reason for posting is asking for help and asking questions. Advice is what I'm here for. Thanks again

Cheers I was abroad for a few years and the letters just were redirected but frankly ignored. The weird thing is that posts in forums like those so often tell people not to contact debt collecting companies over small "unsecured" loans, so in scenarios where a debt is old and statute-barred, contacting them just "starts the debt off" again as your fresh contact constitutes acknowledgment of the debt etc.. apparently......... So many times have I seen posts that say "ignore them".... Still, I believe that we should always be aware of our rights and stand up for them, and bailiffs can't just randomly "enforce" - break people's doors down for small amounts of money.... well, in some cases (I looked it up), unless: the debtor has breached a valid controlled goods agreement, or: a warrant authorising reasonable force has been issued by the court As it's unlikely either of those 2 things will come to pass, couldn't I just ignore it again? I'm not Al Capone. It's about £1800... Do you see me doing porridge for this? Should I just finally get in touch with these people? Thank you

Hi all Small bit of background: Not a fan ot a huge fan of debt collecting companies, the way they bend and break the law, and the way they feed of people’s bones. Regarding letters over credit card debt, I’ve always been told & have seen posts that invariably say “Ignore these letters”, “Do not write or telephone them, as this means you are acknowledging the debt”. Also - I’ve always “understood” that unless it’s a local authority (parking fine / council tax etc) or a government (tax etc) issue, then debt collecting companies are sort of toothless: credit card debt is unsecured and - as it’s not a government debt, or a car that can be towed away - the credit card companies don’t have a leg to stand on. I mean, they can get a CCJ against you and mess up your credit rating, but that’s it really. if we assume that somebody doesn’t mind a bad credit rating - that’s the worst that can happen. Thats what I thought. But then I had a letter from the “County Court Business Centre”, St Katherine House, NN1 2LH (strangely, I live quite near this court), discussing a court judgement. The amount is around £1,800. Part of the text said that “if you ignore this order your goods may be removed and sold”. (I noted the word "may"). For some reason, right or wrong, I ignored this letter. Then I got a letter from “Mortimer Clark Solicitors”, referring to the “Judgement”. The letter says, "We still have not received any payment proposals from you so we are instructed to apply a warrant of control to be made against you should you fail to make any satisfactory payment proposals within X days... ...If an acceptable payment is offers not made, an application will be made to the County Court to instruct a bailiff to seek payment from you, which would ultimately include attending your property to remove goods to auction” etc. Now I feel that this isn’t true, and they can’t send bailiffs for simple credit card debt (it’s unsecured - the credit card took a risk), and that bailiffs (for simple card debt, anyway) have no right to enter your property. Credit card companies (and these debt collecting companies that buy up debt from them) - they’re just private companies, and they don’t have the power of local government, say for council tax etc.. They are all bark and no bite. Am I wrong? Setting aside any moral judgement of me, can I continue to ignore this? Thanks for reading!