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2 ccjs we didnt know about found on credit file at old address


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Hi guys I'm new here & after advice, hope this is in the right place.

 

My husband has quite a lot of debts,

he was on a DMP with stepchange until the end of 2015 when he lost his job & put it on hold

we moved house a month later & although I think he informed stepchange he didn't inform the creditors

 

He's had a few letters here at the new address & has just recently got a ccj,

sent admittance form,

offer of £50 was rejected

 

court decided the amount £78 per month,

which he will pay,

 

last night I checked his credit file with noddle & was shocked to see 2 active ccjs,

one from October 2016

the other September last year,

 

our old address is on them & we had no idea about them as the letters were obviously sent there,

 

the creditors oddly on the page where it says the debts are defaulted states our new address though, one debt is £7500 Barclaycard originally

 

& the other i think is originally Halifax for an overdraft of £4400.

 

I'm worried sick & don't know what to do,

it's bailiffs that are worrying me the most .

 

Can anyone advise what we do next please

 

Thanks in advance

Edited by Andyorch
Paras
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Hi and Welcome to CAG

 

I have moved your thread to the appropriate forum ( .Financial Legal Issues Forum)..please continue to post here to your thread.

 

Regards

 

Andy

We could do with some help from you.

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Were these two debts with the backdoor CCJ part of the DNP?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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you shouldn't blindly be admitting debts by sending back the claim admittance form

who says its even enforceable?

 

as for the 2 backdoor CCJ's

go ring stepchange and ask them what address they have registered for him for both dates

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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We assume the debt was enforceable as he owed this,

it's not statute barred and so after getting the court papers thought it was what he should do

 

It's the other ccjs I'm most concerned about as we had no idea of them & are now worried about bailiffs turning up & are unsure of the next step

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even if they did it would be court bailiffs who to all intent and purpose are your friend

don't get scared by silly cant pay wont pay TV programs

your CCJ are as the result of default ignored judgements on consumer credit cover by the consumer credit act

there is NO entitlement to forced entry on those.

 

just because morally you THINK you owe a debt

that NEVER EVER means you should ADMIT to them!

 

have rung step change yet?

 

 

 

always defend all and put the claimant to strict proof via CCA/CPR to produce enforceable paperwork!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Husband is working till late so I've emailed stepchange as they can't give me info as it's in his name

No reply as yet

Thanks for your help so far

 

Also forgot to mention that 2 weeks ago a man came to the house twice,

Saturday morning around 9.30,

 

he had shirt, trousers & lanyard on & was carrying a Filofax thing,

 

husband was in bed as worked late & I didn't answer,

the guy was quite persistent with the knocking & looked up to the windows as he was walking away & sat in his car for a while before leaving,

 

he came back Monday 6.30pm, same persistent knocking,

I was home with youngest child but didn't answer again,

 

no card or note was left,

we thought it could be a general debt collector but am now concerned it was a bailiff

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