I rung the people up and said that no one of that name lives at the address they sent it to. My name is linked to about 4 different addresses with mobile phone contracts etc. They said they would investigate further. Does any one know if this'll keep em off my back, and if so for how long?

 

No it won't. They use tracing agents and if they're any good they can find anyone anywhere with a few phone calls. I can find out anything I want about anyone if I want to with just a couple of calls (I work in finance) as I have some really hot agents who can find out anything.

Why don't you just pay instead of knocking people ?

 

If I had the fucking money I would.

 

reckon you will get fucked mate.


best get the lube ready - it will fuck up your finances for years to come too

 

This is going to sound harsh mate but why run up debt you know you cant pay?

It's possible you've had a bad time recently so dont have any spare cash but you did say you've been at 4 different addreses so you've had the money to move?

Might be totaly wrong but its just my 2p

 

EEERRR just a bit wrong. The adresses are for my mum, dad and nans places. I did'nt run up loads of debt, it was a interest free loan from my employer, who sacked me on very dubious terms. I was going for a tribunal but could'nt face it at the time as I was experiencing a lot of problems in my personal life.

 

fuckwit jeremy kyle alert

 

Jerk alert!!

 

 

You do realise if you'd spoken to them and stated your case before it got this far then there's a very high chance they would gave made arrangements for you to clear the debt over extended terms without getting courts involved.

Might just as well man up and take it as the longer you leave it the worse it's gonna get.

 

they bend over backwards to help you if your having trouble these days. all you have to do is play the game by their rules with some slight deviation to suit yourself.
you cant dodge it forever. you need to be thick as mince to let it get that far.

 

Whats a ccj?

 

County Court Judgement

 

your probably did but was it impossible to pick up the phone to explain? A mate did the same, it caught up with him and it was a nightmare for him just getting a bank account. He still cant get a loan and it was "sorted" 3 years ago.

 

If you don't acknowledge the debt for 6 yrs it is legally written off

CCJ's are very easy to deal with, they have no right to take anything nor can they enter your home
My advice is goto the CAB and get some help off them they will go through a income outcome sheet with you present this to the courts and start making small token payments that way the debt is being paid off

either that or pay to set the judgement aside and fight it but you have to prove you don't owe them the money though

Inforunately a CCJ stays on your credit file for 5-6 yrs and totally knackers up your credit rating

http://www.consumeractiongroup.co.uk/forum/

 

if youve got a CCJ your credit is already screwed.

The morally right thing to do is make a token offer and see if they will write off portions of the debt etc.

You could of course just ignore them and make sure your cars not parked on the road and go self employed for tax purposes and fiddle the system and wait out until 6 years have passed and the debt is statute barred. But that would be the immoral method

 

at the moment your instinct is telling you to run and try and dodge the debts, but it is the worst way to deal with it. if you speak to them and arrange a regular payment that you can afford, they should accept it (so long as you dont take the piss and offer tiny payments).

all they want from you is REGULAR payments.

then once you start paying, after say 6 months alot of them will offer you to pay 2/3 of the remaining balance all in one hit (if you can afford it).

sort it out. you would have to be VERY cute and always watching your back to dodge it for 6 years. even then some will still persue it after the 6 years.

i worked at an office where the boss had CCJ's linked to the office address and he had defaulted on the payments he was supposed to be paying that the court told him he should, there was regularly bailiffs and even sheriffs from the local sheriffs office knocking on the door.

many of them barge straight in the door when you open it (you cant prove that they didnt) and then they do an inventory of what is in the property, and give you a notice that if you dont pay up in 7 days they come back to take everything.

once they have gained entry to the property they get a bonus (approx £200) which gets added onto YOUR debt.

i once had it happen when my boss was away on holiday, a bailiff got in and give me the notice etc. i was panicking that when the boss got back, the premises would be stripped!

i rang the police to ask what they could do, they said its a legal thing and because the notice was served the bailiffs could come back and take everything (and they can break and enter at that point, if they arent given access) - and they will take everything in the property no matter who it belongs to.

this is what really happens if you dodge CCJ's, dont listen to people who advise you to dodge them and dont listen to anyone who says they dont mean fuck all and that they cant do anything about them. They can, thats why this system exists.

if you do pay off the CCJ's and get them marked as "satisfied" on your credit status file, you can start getting small amounts of credit after a few years (i know people who have).

depending on who is acting on behalf of your creditors, some companies/individuals are much more aggressive than others, and many will lie about what they can/cant do. most will make your life a misery, it is a nasty game to be playing!

 

so why not ring them up and say that ?
trust me you wont be the first .. might sound silly but they might be in a place to help you pay it back ... fobbing them off will only piss em off an make it harder for you ..
ring em back and own up to it ...

 

Get in touch with them and tell them you can't pay. The longer you leave them chasing you the worse it's going to get. Man up and face it.

 

if the ccj are against certain addresses thay will go to them with a bailift to collect goods to the value off looks like your so your mum dad and nan could be going without a tv and chairs soon. Speak to them sort out a payment plan .

 

they are only human beings on the end of the phone and all they want from you is regular payments and a plan put in place, most of them are not arsey or anything like that. the first time you ring it is a good idea to make a token payment (even if its only a tenner) so have a debit card ready (even if you have to use parents card and give them the cash).

as above if you have got CCJ's to someone elses address you will end up getting them into bother, who will in turn want revenge on you (not a good idea to do it to your parents!)

 

They couldn't take his parents stuff if it's his debt, surely?

Benni.

 

What a wanker you are leaving that shit in your mum, dad and nans names. Man up and pay something.

 

this is what i asked the police when my bosses office was going to be emptied, because some of my stuff was in there and the photocopier was leased.

the police said the bailiffs will just take everything and it is up to the specific owners of the stuff to prove it is theirs afterwards - so they advised me to take any of my stuff out of there.

if you have had dealings with these people you will understand how they will act now, and worry about consequences later.

in the end the bosses wife paid the debt so the place didnt get emptied.

 

this is why for private debt you never open door to a debt collector and you grass them like fuck if they try to barge in as the courts dont stand for it if its reported. Most people dont report it because they are afraid. baliffs for private personal debt really dont have much legal powers.

business debt is slightly different though.

wrong. they cannot take property not belonging to the the debtor. also there are certain items they cannot touch. eg if its a personal debt then they cant touch anything in the property needed for his work, so eg at your business address they cant touch his essential business assets for a personal debt. Also theres other essential household items they cant take.

baliffs like finding out peoples business address as the door is usually unlocked. they then lie like cunts saying they can take stuff for private debt when they legally cannot as in most business the property is the business not the private property of the person who the personal debt is owing.

most people are stupid and dont know what baliffs can and cant legally do.

you just have to know your rights and stand up to them. force them back in front of the magistrate and thier unreasonable behaviour soon ends when they get stuck with a £5 a month token payment
wrong. the debt is against the individual.

 

that is the theory of how it should work, but in reality (speaking as someone who has been on the receiving end) they will just turn up, barge in, and take what they like - and they will tell you they have every right (even though they probably dont).

they dont give a sh1t because they have been right royally pissed about by the guy who never paid his bills in the first place, so they will act heavy handed, outside the law, and bend the rules (look how dodgy private car park clampers are an example).

your legal rights and what they should/shouldnt be doing wont really come into it if they gain entry to your property.

and the coppers wont want to get involved in it regarding "theft" or breaking and entering! beleive me i have asked!

in 99% of cases the pillock who owes the money does not have the funding or resources to sue the bailiffs for acting incorrectly - even if they did they'd only get a slap on the wrist.

the bailiffs have to act beyond the law or they would never recoup fook all.

 

wrong wrong wrong

They can not take anything that isn't yours they also can not break in or force entry the only time a bailiff can do this is if the debt is for Council Tax or HMRC

If you have a CCJ against you and you answer the door you DON'T let them in they may not force themselves in, they will however demand that they can come in and make a list of belongings you simply refuse entry

they can however gain peaceful entry through an open window or door but can't damage property in the process they may also not enter from the rear of the property.

If after several attempt to contact you or gain entry they can't the warranty gets returned to the courts

At a place of work its difficult to stop them entering so they then will take a list of all goods and demand payment.

If you are struggling please goto Citizen Advice Bureau you will get the correct information and not half the rubbish being written on here

I was in the same as you were couple of yrs back and i got the help and advice i needed and i fought the case and got the amount reduced to what i did owe and paid it off in 1 sum

 

None of my unpaid debt is at my mum's, dad's and nan's WANKER. There just adresse's linked to me.

 

I rang up the court today and they said the CCJ has not been logged on my credit file as the company I owe money to are just applying for one. I've sent the relevant income and expenditure form out and have got to wait to see if they will accept my offer. I've offered £10 a month as this is all I can afford. I found the form a bit hard to fill in as I'm self employed and my income can fluctuate massively from month to month but I gave them the average. I know £10 a month ain't alot but its all I realistically afford! Play the waiting game now!

 

CCJs never become statute barred so that idea is out of the window, however warrants of execution are valid for one year only.

They can be extended but the claimant must be able to show the court good reason why the warrant needs extension. I'm sure that fact you've apparently upped and moved would probably be accepted as a good reason.

Your parent's good will not be seized by a bailiff, or at least very unlikely to be and if they are, it will be illegal. The debt is registered against the defendant and therefore only the defendant's property maybe levied against. Furthermore, a bailiff cannot levy against property listed as protected - these include things such as clothes, beds, etc.

TBH if you have neither the money or the assets to satisfy a civil debt then there is very little that can be done against you. As mentioned, the warrant of execution will eventually be returned the court by the bailiff and it will be up the the claimant to possibly pursue other courses of recourse against you.

It is one thing getting a judgment against someone, a totally different and often more difficult thing thing to enforce it.

I wouldn't worry too much about credit ratings or anything like that, you clearly don't have much money so the reduced possibility of any further borrowing is probably a good thing. Despite what is stated by someone else somewhere above, you should never have problems getting a bank account either, more or less all, if not all of the major banks offer basic bank accounts which they will give to people with the most dire credit history you can imagine.

One CCJ isn't the end of the world.

 

So you haven't even had a court hearing and no judgment has been made against you?

 

Listen mongchild it took me two minutes to look through your previous posts to see you're getting your car mapped, gonna be doing a resto on it, has £5500 given to you and owed £2000 all this year. Want me to keep going? You get debt you pay it.

 

Usual PF advice going on here. Speak to someone official that actually knows pal as loads of replys on here are completely Wrong.

 

Speak to consumer direct they are a debt counselling service and completey free. They will help and sort the mess your in.

 

Fuck you, fuckstick.

 

Na I got a letter through the post the other day and thought that meant I had got a CCJ. Not really up to speed on this. Thanks for your very helpful advice though. Made a nice change from the snide misinformed comments from some.

 

If you read the posts in depth you'd realise that I mentioned I could'nt afford to get the car mapped in the end. I don't remember mentioning a resto, it is planned, but not till the very distant future. Get your facts right benny.

 

Oh and the £5500 I got paid my mortgage and bills while I was off work with snapped ligaments in my ankle.......as stated.

 

Yeh yeh yeh... mong. Go take a fuck to yourself hope they catch you.

 

mate they only get away with it because you let them.

I suspect a lot of your experience was because its a business premises so easy access.

Baliffs wont get into a physical fight on the doorsteps of private homes if they want to keep working. police take assault charges seriously. Magistrates dont take kindly to heavy handed baliffs, and i know that from experience helping others deal with debt.