muchy hall threatening balliffs...old CAT debt

[liz01]

Hi

 

can someone please confirm that a balliff can ONLY call at your house IF you have a court order but have NOT paid it??

 

DCA I think trying to scare me!!

 

if a court order is granted at say £2 pm and is always paid on time each month then nothing DCA's can do???

or if in repayment plan with DCA but NO court order can they send bailiffs,

 

im sure I read ages ago you can only get balliffs if you've not paid your court order each month

 

many thanks

[renegadeimp]

Which dca

[liz01]

mac hall!!

[dx100uk]

on the phone to them are you?

 

well stop using the phone.

 

now tell us about the debt please

 

dx

[renegadeimp]

I smell a cash cow. ..

[fkofilee]

Don't think I've ever seen Mac Hall go to court xd

[liz01]

on the phone to them are you?

 

well stop using the phone.

 

now tell us about the debt please

 

dx

 

Not been on the phone to them, didn't imply that I had!

 

its a large catalogue debt from over four years ago,

 

I just wanted to know if I am correct in saying bailiffs can only call if you've had a court order and NOT paid that??

 

the word balliff was used in the letter as a course of possible action if I didn't reply??!

[dx100uk]

ok that's good

 

not bailiffs cant attend

 

you are correct.

 

now if its a cat debt

 

bet it got lots of £12 PENALTY charges

and even PPI

 

is this on your credit file

 

and when was your last payment.

 

dx

[liz01]

yes loads of £12 charges and cant find it on credit file, last payment well over 4 years ago

[citizenB]

Are you saying they have threatened you with bailiffs in a letter ?

 

Can you depersonalise it and post it up for us to see ?

[BRIGADIER2JCS]

Mac Halls standard threatograms list possible consequences IF they litigate and win, got a couple of them here that I am dealing with for someone.

The point is now with MH the tail is very much wagged by its parent Portfolio Recovery which is more likely to litigate.

[dx100uk]

yes loads of £12 charges and cant find it on credit file, last payment well over 4 years ago

 

then it was defaulted more than 6yrs ago and has been removed.

 

when was your last payment?

 

send the dca a cca request

 

dx

[BRIGADIER2JCS]

You say " a large catalogue debt from 4 years ago" so when was the account opened and when was it defaulted?

Which CRA did you use?