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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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How long do creditors take to default usually?

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After having a look at my options I've decided to let my creditors default my accounts and then come to some sort of arrangement to pay.

 

I have catalogue,

store card,

PDLs and

credit cards.

 

I'm wondering how long it usually takes for them to actually default you?

I want to get things sorted but definitely want my credit file recorded with those defaults first so that the 6 years start ASAP.

Edited by dx100uk
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Are you still making the minimum payments ? If so then they are unlikely to default you until at the very earliest.. 2 - 3 months after missing the first payment.

 

If you let your creditors know you are struggling to make contractual payments - chances are they will default you immediately.


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The length of time to default will depend on the creditors inhouse rules, the ICO states defaults should be placed within 6 months of the cause of action.


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Citizenb - So just tell them I can't make payments and they will probably default me sooner?

I thought if you make a payment arrangement they just put AP on file without defaulting you? ....

.or are you saying I should just tell them I can't pay right now (without making an arrangement) and then wait for them to default me before I offer any payments?

 

Brigadier - Okay, so 'the cause of action' being non payment yes?

Edited by dx100uk
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The cause of action by definition is when a payment is due and not made after which no further payment is ever made, or when the creditor decides there has been an irretrievable breakdown between them and the debtor.


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Okay, thanks brigadier.

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Hi guys would really appreciate a bit further info regarding my previous question in response to Citizenb as above.....

 

Citizenb - So just tell them I can't make payments and they will probably default me sooner? I thought if you make a payment arrangement they just put AP on file without defaulting you? .....or are you saying I should just tell them I can't pay right now (without making an arrangement) and then wait for them to default me before I offer any payments?

 

Havnt made ANY payments to anyone lately but some are only just becoming late/recently missed so just wondering what to do...wait for a default letter or notify them...will they then default me if I tell them Im struggling?...

 

Thanks all :)

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IMHO, I would prepare your budget so you know what your disposable income is.

 

Then write to all your non secured and low priority creditors and tell them you are struggling to maintain contractual payments. You would like them to consider your financial hardship and accept £x amount for a period of between 6 - 12 months when you will be able to review your situation and contact them again. Your offer is dependant upon them freezing interest and not applying default charges to the account.


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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ok, I will do that......do you expect they will then 'default' me on file or would this not then be seen as an 'arrangement to pay' ? This is my concern...I would rather have the default registered as soon as I can rather than an AP as obviously the default dissappears 6 years from it being applied whereas the AP will only dissappear 6 years after it is satisfied.

Thanks citizenb :)

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Ah right, I see where you are going with this.

 

TBH, I really dont know - I know from experience that

 

Tesco will automatically default you if you enter into a payment plan

Capone will string it out as long as they can to add maximum charges

I really dont know about other creditors.

 

PayDayLoan companies operate a different system as far as I am aware and I understand that Credit reference agencies are going to recording these in a different manner. I am sure there was an article about that a few days ago. I will try and find it.

 

What companies are you dealing with !


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Okey dokey......here goes....

 

Capitalone- my own credit card

Capitalone- my husbands credit card

Littlewoods online account

Next online account

Aqua credit card

B&Q store card- owned by HFC finance ..I think.....not quite sure but can find out..

WONGA- have emailed these awaiting response..

Very onine account

and my dear old granny has just paid off my doorstep loan....:whoo:bless her..will pay her back when Im able to.

Dont think theres anything else....:)

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Right, well apparently only 2 of the Credit reference agencies at the present record PayDayloans - Experian is soon to do this.

 

Having a look round the PDL forums, it seems they do register defaults I would think that these are registered fairly quickly as PDLs are short term loans.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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