Judgement obtained Moriarty Law

[grapefizz]

Hi There,

 

I was hoping somebody might be able to help me out.

 

I moved in 2016, moved again in 2017.

Thought I had brought all of my debts with me but I guess I didn't. This will have been from a long time ago, Wageday advance payday loan and I must have assumed it was paid off as hadn't heard anything from them in a while

 

I have just had a letter arrive via the postman from Moriarty Law

 

It says; We have been instructed by our above named client to write to you with relation to the Judgement they have obtained against you.

 

(I wasn't aware of this but have checked my credit report and have a CCJ registered against me as of August last year)

 

The letter talks about getting a Warrant of control without further reference to myself unless I make an initial payment and an acceptable offer

 

Should I upload the letter?

 

I will pay it I just cannot afford it all in one go and I'm worried they will go ahead with the Warrant of Control

 

I have severe anxiety and I'm not good on the phone I go to pieces so I really really do not want to ring them, sorry for sounding so pathetic, I have just had some terrible experiences on the phone to DCA's

[AndyOrch]

Hi and Welcome to CAG

 

Have they provided an email address for responses?

 

Andy

[jon8214]

do you have any details on the WDA account as in when was the last payment to it etc?

 

if you don't have it, phone WDA to find out as it may be stat barred before they applied for the CCJ

[grapefizz]

The letter states please be so good as to contact us on 0203 126 4544

 

But at the bottom of the letter is the same telephone number plus an email address

[grapefizz]

It was 2013 so not SB unfortunately

[AndyOrch]

The letter states please be so good as to contact us on 0203 126 4544

 

But at the bottom of the letter is the same telephone number plus an email address

 

Send them an email then and offer an affordable but realistic payment plan.

 

 

Andy

[grapefizz]

Thank You

 

Can I ask here what would be acceptable or do I need to go elsewhere for advice?

 

Im a single mum with 3 children

 

Self Employed earning £50-£70 a week but trying to build this up all the time, Housing Benefit and tax credits

 

The amount is for less than £550

 

I dont want them to reject my offer ...

 

Also do I need to do anything to stop the Warrant of Control, as I dont know when they will apply for this?

Edited March 5, 2018 by grapefizz
additional info

[dx100uk]

don't sweat about the warrant

its just a threat

there is NO right of entry on consumer debt so they cant just barge in

it would simply be a court bailiff not on commission

unlike what you see on tv.

[AndyOrch]

Complete a simple Income and expenditure for yourself and see what your disposable income is after...they may want you to complete theirs before accepting your offer.

 

" The letter talks about getting a Warrant of control without further reference to myself "

 

Not got that far yet...hopefully your offer will be accepted and negate the above.

 

Andy

[grapefizz]

Thank you all, the help is very much appreciated.

 

I will let you know how I get on.