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By Digital_2012 · Posted
Draft i meant template of witnesse statement -
not correct sadly anyone with a CCJ can go for a AOE amongst many other enforcement option. we need the full details of the CCJ. what date was it attained? do you have the CCJ number from your credit file? i will suspect that this was a backdoor CCJ to an old address as you have moved in recent times and never informed all your debt owers (bad idea!!) so you now need to gather all the details BEFORE you can act. on monday give northants bulk a ring and ask for a copy of the particulars of claim AND the CCJ judgement by email pdf dx
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By BankFodder · Posted
Post up the defence in PDF format when you receive it. -
not a good idea to ignore them if the debt is SB'd, it could be the OP has moved since taking out the credit and never informed the OC or the debt buyer they have moved in WRITING and their letter is to see if a response comes , if not they'll file a backdoor CCJ. the matter of any acknowledgement comms from the debtor to the owner seems to also be getting rather watered down and miss quoted in recent times everywhere, inc many of these so called debt advise charities etc..... acking a debt is where you specifically state, yes i have a debt with you, and sign the letter, anything else is NOT acknowledgement and cannot be deemed as such. always send our SB letter!! if you are 1000% sure a debt is SB'd, it nails any dca in their box and protects you from further harassment under CONC rules. dx
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you are seriously overthinking ALL of this at every stage. bailiffs can do stuff and all even if a creditor gets a CCJ (fat chance if defended properly) debt is not a crime debt is not illegal. a CCJ on a consumer credit debt holds NO right of forced entry , stop watch silly TV programs.!! those are not COURT bailiffs , they are a private Bailiffs Company of High Court Enforcement Officers (HCEO's) , never appointed by a county court over a debt regulated by the consumer credit act. please!! stop panicking and over thinking everything to the enth's degree.
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