Moving Abroad with numerous debts, what can dca's really do ... Freeze Bank Accounts?

[cerberusalert]

A "Third Party Debt Order" replaced the garnishee order but they will still need to have obtained a CCJ which you have defaulted on.

 

A "Third Party Debt Order" can be obtained by any creditor & they do not have to have an association with your bank.

 

This is most often used to ring-fence your bank account -- the order instructs your bank or building society to act as the third party here with the aim of using your funds to pay off your creditors. During this process you won’t be able to withdraw money from your account without permission. This method of debt recovery cannot, however, be used on a joint account unless all parties listed on the account are responsible for the debt in question.

 

This process can involve having your account(s) frozen for a period of time until a court decides whether to pay the money to your creditor. The judge here will be looking to see whether you have made all your order/judgement payments. If you haven’t met your commitments here then they may well approve the Third Party Debt Order to release your funds to your creditor.

[cerberusalert]

Are you sure you're not thinking of a bank offsetting between a/cs?

 

If that's the case a bank can take money from one a/c to pay a debt owed by another if it's within the same group.

[Queens_king]

Hi Cerberusalert

 

Definately not an account set off. I was asking as I was about to sell up and move to SE Asia. I have equity in the property which I intend to use to set up home with my wife but was a little worried that some of my creditors would try and grab a Third Party Debt Order, but as yet none of them have a CCJ.

 

Thankfully I am still going to pay via the DMP I have set up.

 

Many thanks for putting my mind to rest.

[anynewmouse]

Hi Cerberusalert

 

Definately not an account set off. I was asking as I was about to sell up and move to SE Asia. I have equity in the property which I intend to use to set up home with my wife but was a little worried that some of my creditors would try and grab a Third Party Debt Order, but as yet none of them have a CCJ.

 

Thankfully I am still going to pay via the DMP I have set up.

 

Many thanks for putting my mind to rest.

 

Can you have any profit from the sale paid to either your overseas account or if you have one an account outside the banking group?

[Queens_king]

Hi all

 

Had some great help so far from everyone on the forum but need a little more advice to a really simple question

 

Lowells Portfolio have purchased my debt and Fredp***cksons are still the collecting agent. Who should I request the CCA from Lowells, Fredp***cksons or both

 

Many thanks for your valuable time

Edited February 11, 2013 by Queens_king
corrections

[dx100uk]

whoever is asking for money

 

dx

[BRIGADIER2JCS]

Freds!!

[Queens_king]

Thanks for the replies. Thought it was the clown company but memory loss.

[Queens_king]

Hi

 

 

I emigrated to SE Asia in May 2013

 

 

I looked up my Credit File with Noddle and found that they are using my old address even though the creditors are using my new address.

 

As it stands if one of the creditors wanted to issue a county court claim would they be able to issue against my old UK address and gain a default judgement??

[BazzaS]

Hi

 

 

I emigrated to SE Asia in May 2013

 

 

I looked up my Credit File with Noddle and found that they are using my old address even though the creditors are using my new address.

 

As it stands if one of the creditors wanted to issue a county court claim would they be able to issue against my old UK address and gain a default judgement??

 

They could .

 

Equally , you could then get any such CCJ set aside .

[BRIGADIER2JCS]

Note: Noddle uses 2nd hand data passed to it from its parent company call credit and is often not up to date.

[Queens_king]

Hi

 

Living in South East Asia. I require my Credit File.

 

Can I obtain this on line or do I need to send by very snail mail

 

Thanks in advance.

[ploddertom]

You have posted this in a motoring forum so will move it somewhere more relevant - Credit Reference Agencies.

[BRIGADIER2JCS]

Hi

 

Living in South East Asia. I require my Credit File.

 

Can I obtain this on line or do I need to send by very snail mail

 

Thanks in advance.

You will have to write to the Data Controller of the Credit Reference Agencies in the UK, Experian, Equifax and Call Credit are the main agencies.

[erico2k2]

Im quite new here and I hope I can get answers.I just checked my bank account ,I discovered two payments where taken and one was for a fee of £51 the other was for 3RD PARTY DEBT ORDER

Now Im surprised as I don't know of any debt I owe, this money came out as debit on 17/02/2015/ however someone made payments to 21/02/2015 and I was able to withdraw this money(£200).Im yet to contact my Bank as at work still.my question would be, where they not meant to be any sort of correspondence to me just to let me know what was going on?can they keep taking same ammount from my account? would they have to apply for this 3rd party debt order every now and then? can a 3rd party debt order be made for just £50 plus fees?how can I stop this?I will be very greatful for any help before I do something rely stupid financially.