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Backdoor Cabot CCJ - vanquis card -Now County Court Bailiffs Vist Re CCJ - now an N24?

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Good afternoon, or is it?

 

I returned home this afternoon to find a card small card posted through my door, from county court bailiff.

 

I was very surprised, really, and contacted the number straight away.

The bailiff answered the phone, seemed pleasant enough, and explained that the visit was in relation to a debt with Cabot finance, outstanding CCJ.

 

He said he couldn't return today, due to having to be at a eviction!

He also complained about being the only county court bailiff in the area.

 

He said he might be able to return tomorrow, and he has some paper work for me to fill out?

 

I have dealt with other bailiffs before over council tax, and have always found them to be very polite and reasonable and I've always been able to set up a payment plan, but I've only ever owed a few hundred pound before, this is a massive sum, and I can't afford to pay this back all at once.

 

Anyone know what will happen when he returns tomorrow?

Will he allow me to set up a payment plan?

 

I'm so annoyed with myself, as I've literally just got myself all up to date with all my debt, a considerably small sum, but a lot to me.

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pers I'd not let him in or sign anything

or agree any payment

as you say they are not commission paid and as soon as he finds out you will most probably be setting this aside by an N244 he'll leave you alone

 

if you know nothing about the CCJ I suggest you go get your credit file.

it should be listed on there

 

then tomorrow

ring northants bulk with the number and ask for a copy of the CLAIMFORM and the judgement by email PDF

 

I suspect you've moved in recent years

not updated your creditors and one of them has sold the debt on to Cabot

and they with their friends restons have gotten a backdoor CCJ at an old address

 

hence the bailiff at your door being the first you know about it.

 

dx

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moved to FLI as the bailiff issue is not important really...

more important to deal with the CCJ

 

Thread title amended

Edited by Andyorch
added

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I've just checked my credit file, how soul destroying!

 

There is a CCJ for the amount of £1838 , from December 2016

 

I assume added fees this brings the total to the £1938 .

 

Have I mentioned , I'm annoyed with myself?

do you think he would except a payment plan?

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If you can answer my previous question will determine whether you need a payment plan...is it your debt ?

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I believe the debt is from a old Vanquis card from 2013

, i guess the answer is yes,

 

although I hadn't realized it had got to this point.

 

Stupid, really, but no warning about todays visit ,

he assures me his has lots of old paper work on the debt.

Edited by dx100uk
Spacing

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The bailiff seems to think he has LOTS of old paper work though

, I just want to set up a payment plan, I will be happy with that.

 

I literally am going through a extremely stressful time at the moment and this will break me, I'm not just feeding you all a sob story,

 

I am a mother to a disabled son and I am his carer, I get carers allowance and he receives full PIP for care and mobility

 

. I am up with him most nights, I'm exhausted and emotional.

Edited by dx100uk
Spacing

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Dont go jumping into a payment plan with cabot just cos they got a CCJ. Drop them to £1 a month forever and tell them thats all theyre going to get. End of.

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Someone tried to get an attachment of earnings but the court judged that it wont happen as the person is unemplyed until a date in June next year. If circumstances dont change it will be struck out

 

The 2nd bit is how to appeal and the procedure

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Cabot finance issued the attachment of earnings against me , but I am a full time Carer for my son who was involved in a serious accident a few years back, so I am now unemployed as such. What happens next then? Do I need to do anything?

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threads merged please keep to one thread...

 

pers i'd start the process of getting this set aside as you didn't receive the org claimform

 

did you ring northants bulk and ask for a copy of the claimform and the CCJ by email pdf?

if not do so.

 

it might also pay you to sent vanquish a free sar too

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