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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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Hello,

 

I have this debt on my hands its destroying my life and family life. I dont know what to do.

 

Ongoing for about 1 year.

 

Original debt £600 odd

 

I was out of a job and could not pay Zip Car as a result, it was passed onto Marston HCO. They have chased me for nearly a year, the debt went to £1,000

 

I paid about £500 towards the £1,000 over two months (had an agreement of £250per motnh but then lost job, they came to my house I was not in. The debt has gone to £850 now.

 

I no longer can afford I have no money, I count pennies to get a haircut just for the job interviews I have secured.

 

I am living at my parents home and its causing me so many issues as they are threating to come with a warrant for entry to take goods from the house.

 

What do I do? I had an agreement I was paying, I lost my job, I said give me till February they ar not interested.

 

Please, please help me I am on my last knees. I pay then the debt increases I pay again then increases again I am in a spiral I cannot get out of.

 

Sorry if I am not expressing gratitude in this message for your help. I am very thankful just really stressed.

 

CCJ is in my name, also why is there High Court sending balifs down for consumer debt is this allowed?

 

Thanks,

Edited by ivelostit123

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What is zip car?

 

If the CCJ was for more than £600 and not covered by the CCA they can use HCEO

 

Why did you not defend the CCJ?


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Honestly, at the time I was going through a tough time l cannot remember if I did do such.

 

Zip Car is a car rental company/Car Sharing company owned by Avis Budget Group a larger car rental company.

 

What can I do, now? Please & thank you

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Well they can't force entry so ignore that threat for a start!!

 

Tell us what has happened and whom you have paid what too to date

Is this letter a notice of enforcement

How many times have they been around go date


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Well they can't force entry so ignore that threat for a start!!

 

Tell us what has happened and whom you have paid what too to date

Is this letter a notice of enforcement

How many times have they been around go date

 

Hello DX100UK, the HCO said he will get the court to order the execution of entry I I do not pay this Friday. - Is this true? The thing is nothing in this house is mine its all my mums, I am literally staying here whilst I get my things back on track. Can he do such, why would he say it if he cannot?

 

627.25 was the original debt with Zip Car

This was passed onto a debt collection agency, where my Mum was making payments of £5 I believe (Things are grey around this time due to mental health issues)

 

This point Martsons was chasing me.

Then the debt went to £1601.04 in July/August I dont know how.

I paid then a balance over a few months bringing this down to £730 this is when I lost my job

 

Then I had a letter today of £850

..

 

I have paid the debt twice already, but I have to keep paying because of the collection fees. Im stuck in a spiral.

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Please answer the questions asked

 

You say there is a CCJ

When was this

Do you have a copy of it or the claim form

And what date was it obtained?


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Hi sorry I do not have any of this information,

I just checked my credit report and found this:

 

COUNTY COURT MONEY CLAIMS CENTRE

 

30/01/17

£858

Unsatisfied Judgment

 

Does this help at all?

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Ok so you have a CCJ which has been transferred up to the High Court for enforcement only.

 

Is the address on the CCJ where you now live?

Have you had a letter from Marston prior to their visit - this should have been entitled Notice of Enforcement?


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I had a letter send via email,

 

it stated this:

Should the balance remain unpaid or an agreement to repay not be reached with our office by 17:00 on 17 November 2017

then additional charges may be incurred and an Enforcement Agent could be instructed to attend your property with a view to removing goods to satisfy the High Court Writ of Control.

 

Any additional charges are incurred as per The Taking Control of Goods (Fees) Regulations 2014 and these were described in more detail on the Notice of Enforcement.

 

Then one before this said:

 

You will be aware from communications left at your address that our Enforcement Agent has been attempting to meet with you to take control of your goods under a High Court writ of Control.

 

The writ we have received against you on behalf of the above named Claimant for an amount outstanding in the sum of £1601.04, including costs, interest and charges of which interest continues to accrue on a daily basis.

 

The address on the CCJ is my parents house, where I am living now yet.

 

Thank You so much for your help :)

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good moving fwd

 

go ring northants bulk tomorrow

and using the CCJ number you have..

ask for a copy of the claimform and the CCJ by email pdf

 

I will tentatively speculate yo have been had for a mug here by the creditor/dca/bailiffs as you couldn't or didn't respond as you should have done

and the world and his dog have added all manner of penalty fees for things like unicorn food to the original amount.

 

I would also be sending an sar to zip car

get all the paperwork from them.

 

what was the name of the DCA can you remember?


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Okay plan for tomorrow is contact

 

northans bulk and get the claim form emailed to me

SAR Zip Car

 

The DCA going through paper work is: Act Credit

 

Once all this is done,

 

what is next?

 

Thank You, this means so much.

 

How Can I ever repay?

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worry about donating later

 

get a copy of the CLAIMFORM TOO as well as the CCJ from northants bulk

we need the Particualers of Claim

 

 

you say you have paperwork

can you not redact and scan up all you have

read upload

 

if ACT credit management has had their hands on this debt you've def been had on fees for sure

 

as for Marstons

did they leave a notice of enforcement as they claim to have at the address?

emails aren't official notification as far as I'm aware?

.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Okay plan for tomorrow is contact

 

northans bulk and get the claim form emailed to me

SAR Zip Car

 

The DCA going through paper work is: Act Credit

 

Once all this is done,

 

what is next?

 

Thank You, this means so much.

 

How Can I ever repay?

 

I'm gaethering all I have now. I aim to have this uploaded later today. - thank you.

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hey great the more the better then the experts can assist better

 

try and make it ONE multipage PDF it makes things a lot easier


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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