CCJ letter received - At my wits end!!

[SJP37]

Hi all, haven't posted on here for a while as I did the whole CCA thing which produced no countersigned copies, got the usual harassment letters and phone calls which eventually died down.

 

This was pretty much 3 years ago.

 

Now I have received CCJ letter from a court in Northampton for £9,290. I don't know what to do and am at my wits end. I live in Essex and the thought of going up to Northampton fears me with dread.

 

Can someone please explain what I have to do and my options.

 

By the way I should mention that I received a letter from a company called "Money Save Solutions" at the same time as the CCJ letter offering help with my debt. Should I take them up on their offer?

 

One thing that really worries me is that they offer to protect my home/car etc. Could the court issue baliffs to pay this debt or is it a case of reaching a payment plan?

 

Please help as I am really worried.

 

Many thanks,

[citizenB]

1: You will NOT have to go to Northampton - if you enter a defence it will be transferred to your local court.

 

2: Can you scan in the letter from the Money Save Solutions please - remove any personal information.

 

Follow the instructions below to post the letter up.

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

[citizenB]

In respect of the claim form - please let me know the date of issue - top right hand corner of the form.

 

And, also exactly what it says on the claim as the reason they are issuing the claim.. that will to the left and middle of the form.

[citizenB]

Your options are to defend - if you have a good reason to do so.

 

We would need to know more about the debt and how you have arrived at this point in time.

 

You can admit the debt - hopefully come to an arrangement with the Claimant - if you have your own home, they will almost certainly attempt to turn an unsecured loan into a secured loan on your home.

[SJP37]

Many thanks for your prompt response CB.

 

1: Will look at the link and get something off to them asap.

 

2. Hopefully I've uploaded the letter correctly.

 

Regards,

 

SJP37

 

Money Save Solutions Letter[1].pdf

Edited August 28, 2012 by citizenB

[SJP37]

Unfortunately I don't have the form as it got mixed up with a load of paperwork and my wife had a "tidy up" and it got chucked!! So unfortunately can't give you the date or reason for issue. So should I contact them to request a copy or should I write to get it transfered to my local court before entering a defence?

[SJP37]

Your options are to defend - if you have a good reason to do so.

 

We would need to know more about the debt and how you have arrived at this point in time.

 

You can admit the debt - hopefully come to an arrangement with the Claimant - if you have your own home, they will almost certainly attempt to turn an unsecured loan into a secured loan on your home.

 

I certainly can't afford to pay alot off but could I try a DRO as it's under £15k? Or offer a monthly manageable payment amount with proof in income/outgo?

 

Thanks,

 

SJP37

[citizenB]

I am just unapproving the document for a few moments - can still see the details.

[SJP37]

Sorry, that must be the scanner.

[citizenB]

Ok sorted now

 

I have never heard of these people and I am concerned because they imply that there is already a CCJ in place ?

 

Can you let me know if this is so ?

[citizenB]

Not quite sure what you mean about "looking at link and getting something off to them".

 

Can you please let us know the date of issue on the claim form. It really is important as there is a timeline to be adhered to.

[citizenB]

Unfortunately I don't have the form as it got mixed up with a load of paperwork and my wife had a "tidy up" and it got chucked!! So unfortunately can't give you the date or reason for issue. So should I contact them to request a copy or should I write to get it transfered to my local court before entering a defence?

 

There is a process that is followed.

 

Claim issued

Claim acknowledged

Defendant obtains information in order to defend

Defence submitted

Claim moved to Defendant's home court

Allocation questionairre (more paperwork issued)

Hearing date established.

Usually a Notice of Judgment is then sent out if you lose.

 

If this has all gone ahead without your knowledge, then you need to know where all the paperwork has been sent. !!

 

It looks to me as though a Judgment has already been issued. I suggest you telephone Northampton Bulk Claim centre with the Claim / judgment details and find out what the status of the claim is.

 

You can check if a judgment has been awarded by using the following link.

 

http://www.trustonline.org.uk/

 

It will cost you about £4.00 I think.

 

IMHO, I would phone the court first.

 

You really need to check this as a matter of urgency !!

[citizenB]

Is this your HBoS account ?

[SJP37]

I think so. Why do you ask?

[SJP37]

Have just phoned the court who have said that if I accept the debt then I have to fill in form N245 and pay the £40 fee to arrange monthly payments. Obviously I cannot afford to pay big sums off each month so would offering something in the region of £50 per month be acceptable. Don't really want to offer something and they refuse and I've wasted £40. Or should I just get it transfered to my local court and submit a defence there?

 

Thanks,

[citizenB]

I was just interested to know which of your other threads we should be looking at.

 

Yes, you can admit the debt and make an installment offer. It is up to the Claimant if they accept or not and TBH, we cant say whether they will or not.

 

Has a judgment actually been awarded against you then ?

[dx100uk]

dont contact that company whatever you do.

its a phishing trip

 

was court letter a completed ccj or just a claim form of an impending case?

 

dx

[citizenB]

It is believed the company that wrote to you might be some form of Debt Management company for which you would probably end up paying extra for their assistance.

[Ganymede]

CitizenB, I think there is already a CCJ is place. SJP37 said the Claim Form etc was thrown away.

[SJP37]

Ok sorted now

 

I have never heard of these people and I am concerned because they imply that there is already a CCJ in place ?

 

Can you let me know if this is so ?

 

There is because I received a letter which has since been thrown out by mistake.

 

Thing is, this is a service that I would have to pay for so I guess not a good move financially.

[dx100uk]

yes thats how i read that letter

 

op needs to get it set aside

if they knew NOTHING about the CCJ

till they got a copy with the MS phishing letter.

dx

[SJP37]

I was just interested to know which of your other threads we should be looking at.

 

Yes, you can admit the debt and make an installment offer. It is up to the Claimant if they accept or not and TBH, we cant say whether they will or not.

 

Has a judgment actually been awarded against you then ?

 

 

Not as far as I can tell. The court didn't say anything when I rang them up.

[SJP37]

dont contact that company whatever you do.

its a phishing trip

 

was court letter a completed ccj or just a claim form of an impending case?

 

dx

 

 

Looked like a CCJ no claim form.

[dx100uk]

and you had NO PREVIOUS court stuff

till the CCJ arrived?

 

dx

[Ganymede]

and you had NO PREVIOUS court stuff

till the CCJ arrived?

 

dx

 

 

THe OP said his wife had a clear out and binned it.

 

There is a CCJ in place otherwise this dodgey company would not have been able to find out the claim number etc. Nothing is recorded publically until AFTER judgment.