Backdoor Capquest CCJ Shop Direct CAT debt

[disgruntled2007]

Good man.

 

Keep calling the court too....

[matt5983]

Still no joy ringing.

 

Just wondering, if it was issued in May17, why havnt they sent bailiffs round as that’s a fair few mnths to pass

 

Or gone back to court and asked for that to happen at least

[AndyOrch]

May have overlooked it...not all judgment claimants execute CCJs.

[dx100uk]

cause cabot rarely do.

as they don't want the surface scratched of their flaky speculative default judgement

[matt5983]

Morning all

 

got through to the court. Really helpful

 

I had an account with “shop direct” in 2010 and it was idle until capquest bought the debt in June 2014.

 

Then nothing was heard until capquest applied for a CCJ in April 2017 and it was issued in May 2017 against me as I didn’t turn up.

 

The address they have on the court forms I moved away from 5 ish years ago

 

The court hasn’t heard anything since then ie bailiffs etc from capquest

 

my options are ring their solicitors and find out about paying it.

 

If they refuse instalments then I can apply at the court to have them forced to take X amount a mnth

 

Or do I ring shop direct whom it states on the CCJ says shop direct

which I can only think of as very.co.uk with the account number I was given and find out last payment to see if this is statue barred

 

Advice guys?

 

I also received a text from Cabot asking me to ring them this morning as well which is a first

 

So are Cabot and capquest the same?

[dx100uk]

https://www.consumeractiongroup.co.uk/forum/showthread.php?433526-CAPQUEST-SOLD-TO-ARROW-from-Credit-to-day

[matt5983]

So no they’re different then

[dx100uk]

no same lot

arrows group.

 

so ring shop direct

get last payment date

[matt5983]

Ok brill, I’ll give them a buzz

 

Ah crap. So according to them

 

Last payment was made 15th Jan 2014

[disgruntled2007]

By you?

[matt5983]

Yes as it wouldn’t have been anyone else like my other half etc.

[disgruntled2007]

In which case the debt never became SB...

 

Did you ever tell the OC of your change of address?

[matt5983]

In all honesty I don’t know,

however when I rang I had to give an old address to shop direct,

the same address of what is listed on the CCJ, but this was incorrect.

 

The address they have is the one previous to this.

 

So they have the address in which I took the account out under, and then the address I moved to after

 

I’ve moved twice since then and never heard a thing

[dx100uk]

so cant see a set aside sorry.

 

have you got a copy of the judgement yet

is it forthwith?

 

dx

[matt5983]

I’ve asked on the phone and they said no. By email I have to pay as the judgement is already been sent once

[AndyOrch]

As it was a default judgment it will be Forthwith

 

 

Andy

[matt5983]

Meaning what exactly

[AndyOrch]

Meaning you pay the full balance with immediate effect

[matt5983]

Ah ok, so then.

 

Where to go from here, phone the solicitors and see if I can arrange a payment structure. If not, fill out an N245 form

[AndyOrch]

N245

[matt5983]

Thankyou Andy, do appreciate the help

 

Out of sheer curiosity is there a minimum you can pay of what the courts decide, ie £5 a mnth or is there a limit of no less than say £50 a mnth

[AndyOrch]

When you complete the N245 it requires you complete the contained I&E...your payment proposal will be governed by your expendable income.

[matt5983]

And what if it equates to sod all.

 

Surely a judge isn’t gonna order £1 a mnth but instead find other ways of collecting the sum or am I over thinking this

[AndyOrch]

Overthinking....if your I&E dictates you can only afford a £1 a month ...then a £1 a month it is....hence the importance of the N245...once its been processed by the court the claimant cant circumvent

[matt5983]

Overthinking....if your I&E dictates you can only afford a £1 a month ...then a £1 a month it is....hence the importance of the N245...once its been processed by the court the claimant cant circumvent

 

Excellent Thankyou

 

Is this my income or joint. Reason being I’m a carer for my disabeled wife so do I take her disability benefits into it