mr affable's UE diary

[Deepie]

Re: mr affable's UE diary

Thanks for the link - which I have read and I have tried clicking on the 'email CCA' button. However this then tries to open up a new outlook account for me - sorry Im not very good with the technology. I have a hotmail account which I use for all my emailing and was hoping I could just attach the scanned documents to that but will need an email address to send to?

Here you go----------> niddy@all-about-debt.co.uk

[mr affable]

Re: mr affable's UE diary

Thanks for the link - which I have read and I have tried clicking on the 'email CCA' button. However this then tries to open up a new outlook account for me - sorry Im not very good with the technology. I have a hotmail account which I use for all my emailing and was hoping I could just attach the scanned documents to that but will need an email address to send to?

[Deepie]

Re: mr affable's UE diary

Hi

Got my first reply with copy of CCA etc. Probably a silly question but how do I send it to Niddy? I've scanned everything to my laptop.

:---> User Guide - Sending your Agreement to Niddy

[mr affable]

Re: mr affable's UE diary

Hi

Got my first reply with copy of CCA etc. Probably a silly question but how do I send it to Niddy? I've scanned everything to my laptop.

[mr affable]

Re: mr affable's UE diary

Got my first response to one of my CCA requests.

From Rockwell DCA saying they have sort further information from their client (Santander - previously Alliance & Leicester). Not much to report but just wanted to keep you all updated!

[CleverClogs (RIP)]

Re: mr affable's UE diary

They ... can't sell your wife and kids to the arabs

and probably only get 2 camels

On the basis that she'd only got four good humps left in her?

[CleverClogs (RIP)]

Re: mr affable's UE diary

worse case scenario - they may try and ccj you, wow - big deal.

That's it - why, what else do you suspect can or will happen? They can't send you to prison, they can't empty your house of its possessions, they can't sell your wife and kids to the arabs - in fact, they can't do a lot really can they?

No, unless they successfully obtained a Shylock Order to remove a kidney or 2/3 of his liver for sale on the international transplant market.

[mr affable]

Re: mr affable's UE diary

And am I right in thinking that the CCJ just sits on the record as proof that you owe the debt and they would need to go to court if they wanted to enforce it? Would having a CCJ affect me in anyway? What about if I came into any money in the future (eg inheritance, lump sum from pension, lottery win!) could they claim that - or is it a question of how would they know if i didnt tell them?

Apologies if I am going in too deep!

[helmsman]

Re: mr affable's UE diary

worse case scenario - they may try and ccj you, wow - big deal.

That's it - why, what else do you suspect can or will happen? They can't send you to prison, they can't empty your house of it's possessions, they can't sell your wife and kids to the arabs - in fact, they can't do a lot really can they?

and probably only get 2 camels

[Never-In-Doubt]

Re: mr affable's UE diary

So - assuming the debts are enforceable - what other action can my creditors take (based on the fact that i have no realiseable assets and do not earn a huge salary from my employer)?

worse case scenario - they may try and ccj you, wow - big deal.

That's it - why, what else do you suspect can or will happen? They can't send you to prison, they can't empty your house of it's possessions, they can't sell your wife and kids to the arabs - in fact, they can't do a lot really can they?

[mr affable]

Re: mr affable's UE diary

I take your point but I suppose I just want to look at the 'worst case scenario' (its just the way that I weigh up things in my mind). At the same time I would hate to have the possibility of creditors action hangng over me for ever.

I would like to think that if there were no hope of getting any reasonable amount of money out of me then they are unlikely to want to spend money on court proceedings? and if they dont do that and I dont do anything then what else can happen?

[mr affable]

Re: mr affable's UE diary

So - assuming the debts are enforceable - what other action can my creditors take (based on the fact that i have no realiseable assets and do not earn a huge salary from my employer)?

[CleverClogs (RIP)]

Re: mr affable's UE diary

As a naive debtor I assumed that this might be the only way that a creditor could get money out of a debtor if they thought they were able to pay to but were refusing/dragging their heels?

Not really, as it is a rather inefficient way of getting money from a recalcitrant debtor. Because all the creditors have to be treated equally when the assets of a bankrupt are used to pay off his/her debts, the creditor might only receive a fraction of what was owed, even though it had cost the creditor more in fees to make the debtor bankrupt.

It's more punitive than practical so, if the debtor replies to the threat with "Yes, please do!", most creditors will have the sense to back off.

[CleverClogs (RIP)]

Re: mr affable's UE diary

Ignore the inevitable phone calls

When they ask you their "security questions", tell them that you are Napoleon Bonaparte and only speak en Français ou la langue Corse, Adolf Hitler und nur in deutscher Sprache zu sprechen, or God and you'll only speak to them if they'll worship you.

[mr affable]

Re: mr affable's UE diary

Why should a creditor make an alleged debtor bankrupt, when the bankruptcy process would cost the creditor money that might not be recovered from that debtor?

It would not make commercial sense.

As a naive debtor I assumed that this might be the only way that a creditor could get money out of a debtor if they thought they were able to pay to but were refusing/dragging their heels?