CCJ's Help please

[sully123]

Hi sully , your debts to Nelson Guest are probably with moorcroft as I think Nelson Guest are a solicitors whose letter headed paper Moorcroft use ,also many creditors use a merry go round of DCAs to try and collect debts so even though these DCAs have sent you letters does not mean that they own the debt now just that the they may have been asked to collect the debt at the last point of contact.

sleepingdog

 

Hi SD, I understand that the DCA's dont own the debt, i am justing showing went last contact was with anyone.

 

still plenty more to come

[sully123]

Company----- D.C.A---- Amount---- Last Letter

 

23/ The Folio Society---Charles Howard----£152.50---07/07

 

24/ TSC Credit Management----Past Due Credit Solutions---£465---09/07

 

 

24/ TSC Credit Management----Past Due Credit Solutions---£452---08/07

 

We disputed 24 & 25, then another company called OSC, we disputed with them as well. Not heard since

 

25/ Provident----Moorcroft-----£355----07/07

 

26/ Hutchinson 3G---Westcot---£356.48----05/05

 

27/ Readers Digest---Scot Call---£27.98-----11/06

 

28/ Readers Digest----Themselves----£21.95----07/06

 

29/ Greenwoods Personal Credit-----Wiseman----£210---10/06

 

I think 29 is connected with 17 some added cost on this (29)

 

30/ Provident---Moorcroft---£794.30----09/07

[sully123]

Company----- D.C.A---- Amount---- Last Letter

 

30/ British Telecom----Westcot----£398.70----04/07

 

31/ World books---Themselves---£97.33---- ????

 

33/ Three----Moorcroft----£989.74---????

 

34/ Dept work & Pensions-----Themselves----£953.68--11/07

 

35/ Dept work & Pensions-----Themselves----£1331.90--11/06

 

Both DWP's are now coming out of benefit, I am waiting on a formto get a reduced rate.

36/ Toucan----????----£683.62----????

 

I think this maybe connected with 15, extra added money on 15?

 

 

 

 

The next Lot i will do 3 on one post, the others in separate post with explanation's

[sully123]

The next 3 are payday loans

 

Quick quid £90.13

 

 

Tower Capital £300

 

 

Payday Uk £200

 

(Heard Nothing from these since June0 Unsure if they know new address, But they do have my email, as we had already communicated via that

 

 

 

Email with I&E sent to Tower Capital on the 7/10/2009

 

Good Morning Tom,

 

I was speaking with one of your colleagues yesterday, and I said I would pass on our income and expenditure sheet, along with my signing on card.

 

The Council Tax Arrears are more than £1000, I am still awaiting confirmation of the total.

 

We also have several other debts to resolve, such as the short fall on the mortgage,and secured loans

 

 

 

No more replies from them so far.

 

 

QuickQuid are using Meritforce

 

 

These are emails I sent

 

Please find information regarding Quick Quid Below.

 

Please note you have the wrong email on your outgoing letters

 

 

 

Could you please confirm safe receipt of this e-mail.

 

 

 

Regards

From:

To:

Subject: REF: Quick Quid

Date: Sun, 27 Dec 2009 13:52:05 +0000

 

.ExternalClass .ecxhmmessage P {padding:0px;} .ExternalClass body.ecxhmmessage {font-size:10pt;font-family:Verdana;} Reference:

Client Ref:

 

Thanks for your letter dated the 1st of December 2009, In which you state An Authorised collector will make a visit to your property within the next 10 days.

 

I have not ignored any correspondence with Mackenzie hall, In fact I have called them twice before your letter arrived, and explained my situation to them.

As i had been sent a letter to contact them, also a text message.from them.

 

Here is 2 emails i sent to quick quid earlier.

 

 

.ExternalClass .ecxshape {;} .ExternalClass p.ecxMsoNormal, .ExternalClass li.ecxMsoNormal, .ExternalClass div.ecxMsoNormal {margin-bottom:.0001pt;font-size:12.0pt;font-family:'Times New Roman';} @page Section1 {size:612.0pt 792.0pt;} .ExternalClass div.ecxSection1 {page:Section1;} RE: Payment Plan Offer [issue #]‏

From:

 

Sent:

22 June 2009 09:34:39

To:

Quick Quid ([email protected])

 

 

 

 

Thank you for your reply, Unfortunately at this moment I am unable to come to this sort of an agreement, as I explained in my last email, we are currently Homeless and are awaiting a decision from BCC, which I have been advised this morning will be sometime this week, hopefully earlier in the week than later.

 

when I have had the decision I will be in more of a better position of how to proceed, the amounts you are asking at the moment are totally unaffordable by me.

 

Regards

 

 

 

 

 

> Date: Thu, 18 Jun 2009 17:12:26 +0100

> From:

> To:

> Subject: Payment Plan Offer [issue #]

>

> Dear

> Customer #

>

> Thank you for contacting us to inquire about how to pay off your balance £90,13. The payment plan we can offer is detailed below.

>

> £_____45,00_____due 30/06/2009

> £_____45,13_____due 30/07/2009

>

> To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

>

> Collection procedures will continue until an acceptable payment arrangement is made.

>

> Should you have any further queries in reference to your loan or account status, please feel free to contact our collections department.

>

> QuickQuid Collections Department

> 0808 234 4561 Direct Line

> 0808 101 1381 Fax

>

>

>

>

Edited January 6, 2010 by sully123
removed links

[sully123]

The Next 3 are from when we owned our house.

 

1 is GE money a shortfall of over £49K

 

1 was a secured loan,outstanding is now £21K

 

the other was a secured loan as well, outstanding now £29K

 

Shall I post these up in the Debt section?

 

Shall check back later and tomorrow for any replies

 

 

Thanks again

[sleepingdog]

Hi sully123 , wow what a list . Not to sure what I would do in your shoes ,but would certainly be looking into whether bankrupcy would end these debts and allow a fresh start. Sorry can't be any more helpful at this stage , but will keep a close eye on your post.

sleepingdog

[PriorityOne]

Hi all, I/we are over £125K in debt, some is from shortfall of house repossession and secured loan.

 

Questions I have are.

 

1/ If I don't go Bankrupt, Can our creditors then acquire CCJ's against me/us?

 

2/Can they then get Bailiffs to make us pay?

 

As at the moment we have no excess money as I am unemployed, and we really need to get things moving in the New Year.

 

We believe Bankruptcy is our way forward, But it will cost us £750 to do. so I am just a little worried about us not been able to pay anything at the moment to creditors, and thus they start legal action and obtain CCJ's

 

Hi Sully,

 

Going back to your original post, it would seem that bankrupcy may be the best way forward for you after all; the list you've given on here is very long and must be a horrendous burden around your neck.

 

As you have no assets, I see no risk to yourself in going for bankrupcy because there's nothing for anyone to take, as such. Reading between the lines, I'm assuming your fear is that bailiffs would come around to remove items and this is a strong possibility on an unpaid CCJ. However, payments on a CCJ are based on a person's ability to repay (unless they're ignored), so if I were you.... I'd be tempted to play devil's advocate and either, wait for legal action (which will enable you to turn up at court and explain your position to a Judge or, wait and see if one of these companies issues you with a Stat. Demand for bankrupcy. I'm not sure if there's any help available for people on Benefits who want to make themselves bankrupt but if there is, then I'm sure someone on here will post it up. In the meantime, I'll try and find out...

 

If you have no CCJs at this present time... the bailiffs cannot just turn up at your door. If you are receiving these kind of threats, then they'll be from debt collectors and not bailiffs.... and debt collectors have no power at all. They just huff and puff a lot.

 

Have a think and get back to us please... as this looks like the most painless way of getting through this and being able to start afresh with your life.

Edited January 7, 2010 by PriorityOne

[sully123]

Superb stuff Priorityone, I am pretty certain there is at least 1 CCJ

 

This is with Lloyds for £4.5K, I believed it was a Bailiff that call on my house the day we were leaving and handing over the keys.

 

He called me to the car and said is this you, about a Lloyds account, I said yes, He just said he would return it.

 

return it to where?

 

Will it be best to post this up in debt issues?

 

As I am sure it won't be long before they find out where I live now.

 

How would I find out were to look/ask about it?

 

 

 

I agree that I/we going bankrupt would possibly be our best option.

 

Thanks once again for your input

[letsgetitsorted]

hi Sully,

just found this site, you might find use full insolvency.gov.uk,

another thing to remember a DCA cant just turn up for a doorstep visit, they have to have an appointment. there is a letter on here you can send to them.

but for now chin up, you will get there.

[PriorityOne]

Superb stuff Priorityone, I am pretty certain there is at least 1 CCJ

 

This is with Lloyds for £4.5K, I believed it was a Bailiff that call on my house the day we were leaving and handing over the keys.

 

He called me to the car and said is this you, about a Lloyds account, I said yes, He just said he would return it.

 

return it to where?

 

Will it be best to post this up in debt issues?

 

As I am sure it won't be long before they find out where I live now.

 

How would I find out were to look/ask about it?

 

 

 

I agree that I/we going bankrupt would possibly be our best option.

 

Thanks once again for your input

 

If this was an account with an unpaid CCJ on it, then it could have been a bailiff, yes.... but I doubt it. It sounds like a debt collector who saw that you were leaving, realised there was nothing he could do about it and did the decent thing without giving you a pile of attitude....

 

There is always a chance that whichever company was behind all of this (and other issues) will catch up with you one day... but if they haven't done it yet, then don't worry too much at this point. Whoever it's with will attempt to contact you first and if it's over the 'phone.... just get into the habit of asking who's calling before confirming who you are.

 

It might help you to begin a thread in the bankrupcy section.... as there will be people on there with more knowledge about this than me. They should also be able to tell you if there's any way you can make yourself bankrupt without stumping up the fee; as you are unemployed and on Benefits.