Unknown builders CCJ and HCEO with a Warrant of Control

[edna321]

Good evening,

I know you may have heard a story like mine before but I'm still reeling.

 

I didn't know I had a ccj against me

,( we had building work done and there were lots of problems with the builder)

 

imagine my shock a week last Saturday when a law enforcement officer called at my address with a writ and gave me 7 days to pay the whole lot of money £14k.

 

We had a week of absolute hell as we were threatened 'the team' were going to take our vehicle and our furniture.

 

The threats were awful but luckily we managed to come to an agreement.

 

My brain is now starting to function normally and I was wondering would I have known if I had a ccj?

 

Did it go to county court first or High Court due to the amount owing?

 

How do I find out where it was on ?

 

It's a mystery to me as I didn't have a clue.

 

I will say that the pressure they put on you is unbearable and I'm still in pieces now .

[dx100uk]

so probably a default judgement where everything was sent to an old address?

have you moved of recent?

 

 

do you have the CCJ number?

[edna321]

No we have lived in this house for 30 years . We haven't got a ccj number and there's not on on the writ of goods either.

I thought they should have had one on there but nothing.

[dx100uk]

go check your credit file

[edna321]

That's my next job. It's only now I'm getting my head into gear. The shock was bad enough but the bully boy tactics are something else!!!

[dx100uk]

usually because they don't have any real powers to do any of what they claim.

[edna321]

We have no ccj number. Could they go straight to high court? There's no official stamp on letter

[dx100uk]

when someone gets a civil CCJ

all they do is pay an extra £60 for the involvement of HCEO's

 

 

if its not a business to business debt

they really don't have any rights of forced entry etc etc at all.

its all hot air.

 

 

go get your credit file

they are all free

use noddle or clearscore now

[dx100uk]

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=CCJ+and+HCEO+with+a+writ+of+control&sa=Search+CAG#gsc.tab=0&gsc.q=CCJ%20and%20HCEO%20with%20a%20writ%20of%20control&gsc.page=1

[AndyOrch]

Take a read of the following edna it will explain the process the claimant has to go through to get the Warrant of Control...as advised the paper work usually list the judgement details the court and the claim number.

 

https://formfinder.hmctsformfinder.justice.gov.uk/ex322-eng.pdf

 

Regards

 

Andy

[Bailiff Advice]

 

We had a week of absolute hell as we were threatened 'the team' were going to take our vehicle and our furniture.

 

The threats were awful but luckily we managed to come to an agreement.

 

When you reached an 'agreement' (which I am assuming is a payment arrangement)you should have been provided with some documentation by the enforcement company. What documents were given to you?

[edna321]

When the enforcement officer called he gave us a piece of paper with my husbands name and the word ccj and the company on the top.

There was no case number .

 

 

It said we had 7 days to either find the money or get in touch as if we couldn't come to an arrangement they could take the vehicle and take a writ of control of our belongings.

 

The amount owed has jumped up £6,000 too.

 

The e mail we had off the law enforcement company just accepts our payment offer .

There is no case number anywhere .

The only number on there is a reference number.

 

We put a payment plan into operation as soon as we could as we were so frightened we slept out all weekend.

 

 

There is something definitely not right about this but having so little knowledge trying to submerge myself into getting to grips with this mess and making sense of the whole shambled state of affairs.

 

Thank you all for your advice because believe me at this point in time it's about the only thing that is getting me through this nightmare.

[honeybee13]

edna, have you checked your credit report as suggested? dx gave you a link earlier in the thread. This could give you useful information.

 

HB

[king12345]

Are you sure these enforcement officers were hceo and had a recorded ccj against you to enforce?

The fact that you never received any letters from the court makes me think that maybe (and just maybe) these guys were debt collectors (completely powerless apart from begging and lying) using a carefully drafted letter with the word ccj in it.

Your credit file will show if you really have a ccj against you and if so then you'll have to start the process of set aside based on the fact that you never received any correspondence.

[Bailiff Advice]

Please do check the credit file but surely to goodness you should be speaking with the enforcement company to ask the following information:

 

When was this CCJ awarded against you?

 

How much was the judgment for?

 

What date was judgment entered?

 

Which court ?

 

In relation to the enforcement agent fees, you should be asking for an exact breakdown of the fees charged and the date that the charge had been applied to your account.

 

PS: I suspect that you have been charged the Compliance fee of £75 together with a Stage One, Stage Two and a Sale Stage fee. It is best to wait to see what the enforcement company provide.

[ploddertom]

When the enforcement officer called he gave us a piece of paper with my husbands name and the word ccj and the company on the top.

There was no case number . It said we had 7 days to either find the money or get in touch as if we couldn't come to an arrangement they could take the vehicle and take a writ of control of our belongings.

The amount owed has jumped up £6,000 too.

The e mail we had off the law enforcement company just accepts our payment offer . There is no case number anywhere .

The only number on there is a reference number.

 

I certainly hope this is not someone else who thinks it is permissible to hand over the Notice of Enforcement whilst making a first visit.

 

Something not quite right with this.

[edna321]

The first time that he turned up was a week last Saturday at 7.15pm and handed over the enforcement.

 

The phone calls then started .

 

I can honestly say I have never been so scared.

 

Checking credit score later .

 

The bill has jumped up by £6000 but scared to query it as he wouldn't take any offers at first and kept saying I'll have your vehicle, take things from your house and I'll keep coming back.

[ssparks2003]

As a matter of priority you need to confirm if there was a CCJ or just someone swinging the lead to get you to pay up.

[edna321]

I will get back to you as soon as my husband does it . Thank you

[ericsbrother]

phone your local court, askthem for teh claim number and when it was issued and when the judgement was granted. If the claim didnt arrive at your address and nor did any other paperwork then I would be very worried as to where it has gone if the address on the form is correct. Have you considered to possiblity that you hubby received the paperwork and hid it from you? It happens more often than any other reason for non-delivery of numerous letters

[edna321]

I have grilled my husband . We have not had anything . He's not signed anything .....this was just a bolt out of the blue

[AndyOrch]

You can check quite quickly by looking on .......

 

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

 

There is a small fee.

 

Andy

[ploddertom]

I have grilled my husband . We have not had anything . He's not signed anything .....this was just a bolt out of the blue

 

Which company is it that is visiting - I have my suspicions it is one of 2.

[dx100uk]

and you've not named this 'law enforcement company' either

that'll help us.

 

 

dx

[edna321]

I'm scared to name the company,but I can private message . There's no ccj on credit file but going down to local court tomorrow with letter to see if and when it was on.