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Mike75

capquest Backdoor CCJ - can they do this?

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Hi

 

Sorry if this is in wrong thread, I can't seem to find a forum for aging Credit Card Debt.

 

I was under the impression that Consumer Debt, i.e. Credit Card Debt, could not effectively be enforced beyond the 6 years without a CCJ and that it was not worth their while to obtain a CCJ.

 

Is this not the case?

 

A letter sent to address not been at for 2 years said Cap had obtained a CCJ, yet no Court Documents served warning of a hearing etc served to either current or old address.

 

Is this a stunt they achieve by doing things in bulk?

 

We hear of Courts signing things off leaving victim to deal with outcome.

 

Says they are going to seek a warrant of control, I am on permanent ESA

 

Last payment was about 6 years ago, which suggests to me that they have correct paperwork.

 

I foolishly kept the debt alive for years with small payments before life changing incidents meant I could no longer service debt.

 

Will a Court take what little money I have, £5 a month would take 500 months!

 

I was told under consumer credit act that interest was frozen, now they are adding fees for taking me to Court. Does this mean they can add more fees and interest?

 

Do the Court come after me for Warrant of Control or do Cap have to pay them?

 

Is this a keep alive tactic that just adds 6 years of hopelessness to it?

 

I do not want to re-awaken this or other debts.

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Quite entitled to get a ccj if you run away and dont update your creditors to your correct address

 

The fact it might be sb'd is somewhat immaterial as its a robo claim that no human check as it went undefended

 

Whats the debt

Whats the date on the. claimform?

 

If you dont have a copy of the ccj nor the claimform

Ring northants bulk tomorrow and ask for a copy by email pdf


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Retitled and moved to legals


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Thanks for prompt reply albeit you seem to be blaming me.

 

I did not run away, I lost my home, my family, child in A&E 6 times and now has seziures, I was street homeless for 6 months, then in temp housing for a year, after RTA that left me disabled, I have debt I cannot hope to pay in my lifetime. Also lost last parent who I could not even see as could not afford to get to other side of country and sibling with Cancer. So keeping them updated not top of my priorities but I do monitor their activities.

 

I am in major depression, doing alll I can to not top myself, I have 4 plans, including one if there is forced entry, but not looking for any sympathy here, I just wanted my questions answered to relieve anxiety.

 

Debt companies and their letters make me more depressed, but I have made sure I get their post, but no point in contacting them as I was told it keeps the debt alive.

 

You said "The fact it might be sb'd is somewhat immaterial as its a robo claim that no human check as it went undefended"

 

How can I defend something if I am not informed? I have had letters from other debt collectors and was going to send a letter from your site if they went past SB date. If they had sent anything to do with Court I would have written to the Court explaining my position with medical evidence and showing my only income is ESA and I am overdrawn.

 

My total debt is a multiple of DRO level and I cannot afford to go Bankrupt, not that I could cope with that mentally, I would rather end things.

 

How can they send a "robo claim" without sending warnings, Cap have not sent anything for years, others have palmed off to debt collectors.

 

I did state that it was Credit Card Debt

 

I do not have a claim form, just a letter saying "We wrte following the award of a County Court Judgement against you in favour of our client"

 

It says they have been instructed to seek a warrant of control and adds up all the fees this will generate, saying they a bailiff will attempt to recover debt or levy goods etc.

 

They say I have to fully complete a 6 page form.

 

If I ring Northampton, how will they confirm I am who I say I am, will this trigger searches online or them providing my email to other side? I do not have a Court Reference number or a date of hearing.

 

I would really appreciate it if you could answer the questions I asked in my original post (below).

 

Many thanks

 

Quite entitled to get a ccj if you run away and dont update your creditors to your correct address

 

The fact it might be sb'd is somewhat immaterial as its a robo claim that no human check as it went undefended

 

Whats the debt

Whats the date on the. claimform?

 

If you dont have a copy of the ccj nor the claimform

Ring northants bulk tomorrow and ask for a copy by email pdf

 

 

Hi

 

Sorry if this is in wrong thread, I can't seem to find a forum for aging Credit Card Debt.

 

1. I was under the impression that Consumer Debt, i.e. Credit Card Debt, could not effectively be enforced beyond the 6 years without a CCJ and that it was not worth their while to obtain a CCJ.

 

Is this not the case?

A letter sent to address not been at for 2 years said Cap had obtained a CCJ, yet no Court Documents served warning of a hearing etc served to either current or old address.

 

2. Is this a stunt they achieve by doing things in bulk?

 

We hear of Courts signing things off leaving victim to deal with outcome.

 

Says they are going to seek a warrant of control, I am on permanent ESA

 

Last payment was about 6 years ago, which suggests to me that they have correct paperwork.

 

I foolishly kept the debt alive for years with small payments before life changing incidents meant I could no longer service debt.

 

3. Will a Court take what little money I have, £5 a month would take 500 months!

4. I was told under consumer credit act that interest was frozen, now they are adding fees for taking me to Court. Does this mean they can add more fees and interest?

5. Do the Court come after me for Warrant of Control or do Cap have to pay them?

6. Is this a keep alive tactic that just adds 6 years of hopelessness to it?

 

I do not want to re-awaken this or other debts.

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I already have...but most of your q's are sadly irrelevant now

 

For whatever reason its happened..time to move on now..and deal with things...

 

If you go get your credit file

You should see the ccj number

 

Then contact northants bulk tomorrow as advised


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They are not irrelevant to me, they are really important to me and will help me with anxiety.

 

I thought the idea of forum was to help people, even if you think you know better your lack of sensitivity does not help.

 

I am not going to be able to check my credit file because it would update my credit file and as I have already stated I can't cope with the onslaught of mail and threats, in case you missed it that causes me anxiety.

 

It seems the advice here is to just identify yourself to your creditors.

 

I will call Northants tomorrow.

 

Meanwhile I would be really grateful if you would answer my questions above.

Edited by Andyorch
Edited

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I will call Northants tomorrow. - yes do that. your will need the CCJ number from your credit file if its NOT on the communication you already have.

no good ringing northants if you don't have that number.

 

 

when you have that info

then go ring the ORIGINAL CREDITOR and ask the last payment date

then comeback here and tell us

 

 

[incidentally it might pay you to ring ANYONE [original creditors] you had debt with that's now with a DCA and do the same. but this claim is your focus for now]

 

 

dependent upon the outcome of your enq toward last payment...then we will deal with you outstanding q's.


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Please can you delete all my piosts above , this forum seems to work for the credit card companies, I tried to be discreet and not name any companies, you change the title to identify the company.

 

You do not answer my questions, are really unhelpful and tell me to contact the creditor when I have explained that this causes me profound mental health problems.

 

I have looked up the ltd company that runs this site and will be making a complaint to the directors.

 

I will also be contacting the debt charities and the mental health charities to warn them not to refer people to this site.

 

Please delete my posts immediately and/or the whole thread.

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well im sure you can see we don't work for the DCA's and banks and have won 100's of cases.

it's quite ok to name these companies

 

you are contacting the court and the original creditor

not the owner of the debt now - the fleecing DCA.

this could give you a way to make this all go away totally.

I suggest you read like threads with the word backdoor CCJ in it...you'll see all you are being asked to do and follow is quite std practice and has resulted in resolution for 99% of people.

 

trust us to know how best to help people in your situation rather than focusing upon things that wont help you at all.

Edited by Andyorch
Typos

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