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Quick question on CCJ's


Curlyben
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The OC can use an "agent" to collect the debt. Equidebt are prize examples of this!!

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Apologies Curlyben, I was using the term "agent" loosely - I have seen a letter from Equidebt which says "We have been advised that you are in arrears under the judgement obtained against you" a letter had previously been sent to the client from the OC(who had obtained the judgement) saying that the account had been passed to Equidebt. I don't know if it's legal - but it's happening.

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I've asked this before as well. I'd like to know.

I didn't think you could sell a debt on under a CCJ.

If the new owner takes you to court again you would effectively have 2 CCJ's for one debt. Plus 2 courses of action cannot be brought on one account.

How could they enforce the original CCJ? No one apart from the legal owner and solicitor have the legal right to.

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Also recall some-one saying terms & conditions were being changed to take account of above (Barclays?). Similiar thing also read on charging interest after judgement.

 

Just read a recent MBNA terms & conditions and there is nothing new there. They will need to update "You cannot transfer your liabilities" to comply with unfair contract terms though!

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  • 2 weeks later...

I don't know, but a judgement debt is still a debt, and so I would think it would be covered by the law of property act...

 

136.

Legal assignments of things in action.

— (1) Any absolute assignment by writing under the hand of the assignor (not purporting to be by way of charge only) of any debt

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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