CCJ Help

[JimmyJeffers]

I'm not paying them anything it's all fees and charges. I don't want them harassing the owner of the property

They can’t seize assets. Was the creditor Moorcroft? Think they got a load of old Lloyds accounts. What they can do is apply for a bailiffs warrant which would add more charges but is easy to deal with Doubt they’d call at your previous address anyways. They can also apply for an attachment on your wages but I think that’s pretty useless for you and if you have property in England or Wales they can seek a charge order. What’s most likely to happen is they do nothing and sit on it. It will fall off your credit file 6 years from the date of the judgement but that doesn’t mean it will disappear in this case as the creditor can go back to the court to have it reinstated.
Depends how you want to play it you have several options. First I’d be asking was the judgement legal (was it made within 6 years of the default) and is there grounds to set aside. If it is legal then I’d either contact the creditor directly to offer repayment (you usually have to complete various court forms but can often do this to avoid costs) or sit on it and don’t do anything. I think you live in Spain so I’d have to check up on how they could enforce the debt through Spanish courts but it’s unlikely. (In my opinion)
National debtline have the best website going for further advice and free web chat .

A-Z debt advice | National Debtline

Advice on county court administration orders and their advantages | Free administration order advice from National Debtline

www.nationaldebtline.org

 

[Toast]

They can’t seize assets. Was the creditor Moorcroft? Think they got a load of old Lloyds accounts. What they can do is apply for a bailiffs warrant which would add more charges but is easy to deal with Doubt they’d call at your previous address anyways. They can also apply for an attachment on your wages but I think that’s pretty useless for you and if you have property in England or Wales they can seek a charge order. What’s most likely to happen is they do nothing and sit on it. It will fall off your credit file 6 years from the date of the judgement but that doesn’t mean it will disappear in this case as the creditor can go back to the court to have it reinstated.
Depends how you want to play it you have several options. First I’d be asking was the judgement legal (was it made within 6 years of the default) and is there grounds to set aside. If it is legal then I’d either contact the creditor directly to offer repayment (you usually have to complete various court forms but can often do this to avoid costs) or sit on it and don’t do anything. I think you live in Spain so I’d have to check up on how they could enforce the debt through Spanish courts but it’s unlikely. (In my opinion)
National debtline have the best website going for further advice and free web chat .

A-Z debt advice | National Debtline

Advice on county court administration orders and their advantages | Free administration order advice from National Debtline

www.nationaldebtline.org

Noted you know your stuff for future reference.

 

[JimmyJeffers]

Noted you know your stuff for future reference.

I should note that if a warrant is applied for then bailiffs can take control of goods but not take money direct from accounts. Would always say speak to a professional instead of a man on the internet.

 

[Spadge Vernacular]

Lloyds sold it years ago. It was the debt recovery agents who got the ccj.

Did they send letters and serve you at your address i.e. were you aware it was happening?

 

[Tipp blue]

I live abroad it was issued to an address I moved out of 20 years ago. I have one UK bank account I use and don't want them trying to rinse it.

Take the money out, close the account, change your name by deed poll fly to a far off country that has no extradition deal with the UK, change your name again in that country, get a new passport fly to the UK set up a new account in a different bank in a different town or city and put the money into that account... it's simple really.

 

[Joey66]

Get into the Crypto currency thread mate.

Those lids will sort you out.

Or bankrupt you........

 

[Joey66]

I live abroad it was issued to an address I moved out of 20 years ago. I have one UK bank account I use and don't want them trying to rinse it.

Is that Ronnie Biggs son

 

[Groucho]

I’m sure Carol Vorderman has advertised something like this