Series 2 - The Sheriffs are Coming

[wonkeydonkey]

HCEO's don't usually a for councils..their meat is from civil actions and utility companies.

[wonkeydonkey]

you all appear to be dead against these high court sheriffs

but what about us who actually need their help in recovering ccj judgement debts owed to us!!

 

if it wasnt for the likes of the marston group helping us in a dead end situation for the last 18 months we would never have been paid.

 

maybe tactics are underhand but if thats the only way to make these debtors pay up then so be it.

 

if you dont owe the debt then you have nothing to fear but in our case we were owed money

and are now getting paid what is due by using high court sherriffs and will use again if ever necessary.

 

Money owed to you and you wishing to collect it is understandable.. I was owed money and wanted my due's, fortunately I was owed by a 'reputable' company who had enough assets to have written off the amount owed to me to toilet paper expenditure.

 

IMHO most people here on cag never deny their debts and it is clearly the case that majority would get great comfort from being in a position to pay them.

 

Mr Average... had a steady job that paid enough for his family to get by comfortably and meet his commitments , possibly even a bit left over at the end of the month to put toward a family holiday.

 

His crystal ball broke and he did not see he was going to become seriously disabled with little to no prospect of ever being able to return to work... his wife is then made redundant with no prospect of future employment.. dependant on state benefits for basic survival his debts fall by the wayside with no means to pay you....

 

All he has available to him is £5 left over at the end of the month.....lets assume he owed you £1500 for rent to a property you own...you would have sought to evict him, he moved out leaving that rent unpaid. question ....would you have accepted his offer of payment to the debt at £5 per month ....knowing it would take 25yrs to recoup your losses?

 

So....you know his circumstances and want your money regardless...fair comment I say, thats your right..... you decide to send in the heavies...they arrive with a Writ of Fi Fa that commands them to sieze goods to sell at auction to satisfy the debt to you and all the costs involved in the seizure of those goods...their fees double /triple the amount now owed,

 

 

It is a fact you cannot get blood out of a stone and now the debt is £3-£4K the debtor has no option .(if they have found cag to get the right advice)...but to apply to stay execution of writ as they have no means of paying the HCEO's Fees let alone the debt...On provision of a fact sheet (income and expenditure) they apply to vary the payment to an amount seen to be affordable to them, they offer the Court the £5 a month you wouldn't give consideration to..the Court advise you that is the offer..you refuse it...the court agree it....so the HCEO gets the £5 a month and they take their fees first in apportion and you get the dregs.....over the next 50 years?? where's the logic to that please??? for surely other the satisfaction and gratification to having 'won' the battle but lost the war....you will never get any benefit from it all, as your £1500 will be worthless 50 years hence??????

 

WD

Edited January 24, 2013 by wonkeydonkey

[wonkeydonkey]

Whilst I appreciate wonkeydonkey and brassneckeds understandable stance on this forum, my experience shows that most debtors faced with the enforcement of a judgment are not the vulnerable people you quote.

 

I believe it is also incorrect that it is "big companies, councils and government departments that are often the worse payers" that send small businesses to their demise. My experience shows is that it is often rogue traders and, well, crooks that won't pay for the goods or services they receive, often trying to hide behind a myriad of excuses and companies.

 

Yes, of course the vulnerable need to be protected and despite WDs comments about the £5 per week scenario this is something that rarely occurs. Cases like that are passed back to the creditor as the costs in managing that kind of arrangement outweigh the value to the HCEO.

 

It cannot be dismissed that a high proportion of the posts on cag are exactly in line with the scenario I outlined and I trust you will agee that removes them from the category of being a 'rarity' I can direct you at this very moment in time to two such cases that replicate that scenario, but until the people concerned obtained a stay of execution to the writ and a variation order to get affordable payments in place, they were pursued relentlessly by HCEO's for payments far beyond their dreams let alone their means.

 

Terrified at the prospect the burly individuals sporting the 'Im ard' haircuts intending to remove what little they did own to satisfy that debt of £450, now seen at £1,200 with the added fees, they actually crawled around the house on hands and knees so as not to be seen and sat in the dark for over a week.

 

WD

Edited January 25, 2013 by wonkeydonkey

[wonkeydonkey]

well said - i agree - the person that owed us money is a well known rogue and has a string of people chasing up bad debt owed by him, if it wasnt for the service of the HCEO we would have had no chance at all of ever getting the ccj paid and even now its only in dribs and drabs but better than nothing.

 

These are not the people who normally turn to cag for advice ...they are the people who know exactly how to play the game and often create themselves a comfortable lifestyle on the back of it.....but please do not confuse them with caggers in dire straights.

 

WD

[wonkeydonkey]

I can't comment for Shergroup but my own experience is that I treat vulnerability very seriously. It needs to be treated seriously not only for the actual issues faced by the debtor but the reputation of any HCEO business can be quickly tarnished. You've only got to look at the reports raised in the Coventry Telegraph to realise that if you have some idiot working for you ignoring these policies the it is your company (and the industry as a whole) that suffer. Further, many vulnerable debtors do not have the assets or money so why risk your own job, your companies reputation for pennies. It shouldn't be tolerated and it MUSTN'T be tolerated.

 

Excellent reply ..............I will push my luck and ask the obvious, why do these people put themselves, the company they work for and the industry in the spotlight?

 

WD