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Hi, nice to here from you, i am fine, hope all is well with you. x
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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
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Originally posted by helmsman View Post
Your annual check-in is so welcome!
You had 12 credit card debts when you joined this forum in 2010. I believe they are now all Statute Barred
This can only be encouraging to others who join AAD on an almost daily basis.
Keep Safe
DiComment
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Happy new year everyone hope all is well with you all.
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Happy new year to you hope you are keeping well xxI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Hi All,
After many years of silence Hoist have realised I have an outstanding ccj, not paid for 6 years but are now asking for payment as they have tracked me down, any thoughts on how to play this, I know you always owe a ccj. Many thanks.
Helmsman.Comment
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Hi
What were the terms of the CCJ, and what are Hoist asking for?Comment
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Hi A ccj for a credit card granted in 2016, at an old address not contested as did not know about it (owed the money) so no payment ever made to it, they finally tracked me down lol. so I understand they would have to go back to court to get permission to enforce? on credit file till May this year.Comment
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Well what a BUMMEROriginally posted by helmsman View Post
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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they need a very good excuse as to why this last minute to try and collect
Solicitors
@Joanna Connolly SolicitorsI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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could pay it with a credit card
lol. will see what they send next, could offer a 50% full and final but will not respond yet, in case someone has a better idea, Thanks, Helmsman.
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County Court Judgment if over 6 years old, can they get it enforced? Your original County Court Judgment (CCJ) could only be enforced for up to 6 years after it was awarded by the Court. However, they can re-apply to your original Court to get permission to enforce a judgment that it is more than 6 years old.I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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They would have to have a good reason as to why they have not enforced.Originally posted by The Tech Clerk View PostLegal Disclaimer
I am a solicitor Advocate who specialises in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedence for creditors compliance with s.77 & s.78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court. Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk.
If you need to contact me you can send me a message by clicking my username or by emailing me at jo@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340.Comment
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When in 2016 was it granted? Might it be possible to maintain radio silence until past the 6 year deadline, to see if they decide to ask for renewed permission to enforce? Were there payment terms in the CCJ? Why pay a lump sum if it could be paid in smaller amounts over time?Originally posted by helmsman View Postcould pay it with a credit card lol. will see what they send next, could offer a 50% full and final but will not respond yet, in case someone has a better idea, Thanks, Helmsman.Comment
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Hi. No idea what was in the ccj never paid for almost 12 years they only applied for ccj when default was almost up. all done by mail going to wrong address. so no idea what was awarded, to pay in full or by installments. Only found out about it when checked credit file.
have not had any contact till now. Thanks. So more than 10 years old and no payments made. ccj falls off credit file July 22.Last edited by helmsman; 8 February 2022, 18:09.Comment
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Hi. Just had a letter from hoist regarding this they will accept 20% of the ccj value in lump sum or installmentsOriginally posted by Joanna Connolly View Post
not a threatening letter so ignore I suppose.
Thanks
Helmsman.Comment
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