Hey - thanks for the reply. So yes they have entered the 6k claim, and I have chosen to defend it. I think I have a solid case to argue it. So if I argue successfully and say the judge does side me with the 2k option and I pay it within 28 days it will clear? Alternatively. If I fight it and lose, the full 6k will obviously be due.... Again, if I pay that will it be removed within 28 days?

Hi all, Will keep this very short. Have an old 2012 debt with uni (4.5k) which has recently been taken to court with interest for £6k (interest) Now I can pay this in full but due to the way I was treated on the course I intend on offering to pay 2k with them (they kicked me off the course 1 week prior to final exams and I did not have one single paper that didn’t end without a distinction marking. I just couldn’t get a student loan other than the initial one the uni offered) Question is. If I go to court, and get the CCJ – if they agree to the £2,000, and I pay that ASAP (within the 30 days) will I still have a CCJ? Or can I still apply for it to be removed as the agreed debt was paid in the 30 days? Thanks

Thank you!

Hi all I'll keep this as short as I can and bullet point as much as possible. * Account opened with BT in 2015, solely for broadband but also had a phone * Moved house during contract (August 2015), had to move out quickly and last minute due to job change * BT could not provide a service to our new house so I moved to virgin * Few weeks after moving, I contacted BT with regards to paying contract out early, as I didn't have my customer account number or phone number I was advised to write a letter for it * Drafted a letter in September 2015 to the complaints department in Durham advising of the house move and also requesting my account number to pay the contract out I still have a copy of the letter and also a copy of the receipt. The receipt clearly shows the date and the post code of the complaints department, however the tracking number is now invalid (I assume they expire after a certain time) So. I heard nothing from the letter, and as far as I knew I didn't sign a credit agreement and it never showed up on my Experian. So assumed it went away Last week I checked my Equifax report as I'm buying a house, there is a default notice from BT served in February 2016 to my old address. I have lodged a dispute with Equifax, lodged a complaint with BT, and currently awaiting the outcome, but wondering if I have a case for removal on the basis that I still have a copy of the letter informing of house move and requesting account number, as well as a receipt of postage on the same day (5th September 2015) Thanks guys

Thank you, this is what worries me. If I have to pay the compliance fee, can the bailiff who called today claim that the £235 is a valid debt to the £75 compliance fee which is still unpaid? I'm very confused as, to me, the debt is paid.

Hi guys. Simply put. Parking fine - £82 Forgot to pay it. Went to a Debt Collector, who added their £75 on top. As soon as I got the letter and remembered the debt, I paid Stockport Council via their website The £82. I have an email proving so. This was October 3rd Just had a letter placed through the door tonight for.... The original debt £82 Compliance fee £75 1st visit £235 Total: £392. Am I missing something here? Clearly a lack of comms between the council and the bailiff. According to the law, do I have to pay the bailiffs' fees for a debt I paid 2 months ago? Thank you so much in advance

Thank you. No it's strictly a loan on the car of 10k. As I paid my 10k cash deposit when I purchased it with the dealer.

Car was 20k, I put down a 10k deposit. Car is still worth 18-19k privately.... . Does a VT effect your credit/give you a default etc? It's mainly the 10k that I am after back. Thank you, appreciate your help.

Apologies for the double post. Editting error.

Wow, fantastic info! Just to reiterate, I have paid >50% of the cars actual market value... However I have actually paid Does what you have mentioned above still apply? Obviously, I would like to get some (if not all) of the 10k back that I put down.

Hi there guys, Just looking for a bit of advice. I have recently purchased a car for 20k. I put down 10k cash and 10k was financed with Moneybarn, due to a CCJ I have they were the only option I had. This 10k I borrowed is over 3 years Long story short, due to business problems and issues with suppliers going cold, after 3 months of payments my circumstances have changed and I am going to have to give up the car. It financially makes sense. My question is, how should I play this? If I return the car back to Moneybarn (or whoever) what happens to my 10k that is in the car? The vehicle sold privately is still worth at least 19k, so would I be better selling it privately with a huge BOLD paragraph on the listing stating there is finance owed. Then when the buyer collects, I pay the balance over the phone with them present? It’s not illegal to do so is it? Thanks!

Hi all, Just wondering if you could possibly help me regarding my current situation? At present me, my wife and 2 children live in a pleasant area of the North West but are seeking a move to a nicer area with a view to buy in around 3 years, I’ll explain why later. My wife has recently come out of work as an MLA within a nearby hospital as the money wasn’t great and we felt it more important for her to be there with the children before and after school as their school work was suffering due to her working hours (breakfast and afterschool clubs ect) Myself, I am a ‘high earner’ as a contractor within the world IT (which I can prove via contracts, bank statements if needed by the letting agent). We do not receive benefits. I am a very normal bloke, no criminal record, no dramas whatsoever, a typical 9-5 worker. After a bit of bad credit issues in the past I’ve really sorted myself out.However, I do have a CCJ which I went to court over and lost. This is from a past relationship (actually 2009) where we struggled financially for a few months and went £2k into an overdraft which we could not pay off. I went to court as this was primarily my ex’s spend (I lived on my credit card) However, lost and now the CCJ from a debt that had almost expired as a default, has come back to haunt me once more. Story aside, we have to rent again within the area we eventually want to buy but I am fully aware how much of a black mark this is on my record. I am paying it off, but it is still classed as active, and will be until it is satisfied in one year. Where we currently rent, we have never missed a payment, are on excellent terms with a well-known letting agent. We have no other debt to speak of – all utility companies paid on time etc etc We are also in the position to offer 6 months’ rent in advance and my mother (home owner, full time managerial career) has kindly offered to be a guarantor if necessary. My question is, with the 6 months upfront, our excellent references, a guarantor, does this put us in a strong position to rent a house? Or is the CCJ such a mark that it will stop this? Surely people have been in similar positions? Bankruptcy and IVAs springs to mind. Oh – I can also pay my CCJ off earlier however it will still show as active until my next credit report is available – at that time the house would possibly be rented to somebody else… Any help is greatly appreciated.

Should I tell the bailiff I intend to get a Stat Dec?

I presume with a Stat Dec I just go into the court, tell them my story with proof, then I can arrange a Standing Order?

The actual event happened whilst at my old address - I've just spoken with the court and all of the letters have gone to that house. The only correspondence I have received at my new address is the hand delivered "In for the kill" letter I.E Warrant. The court are now trying to find out if i can do a stat dec.

That would actually be true, because we moved house in July and didn't receive anything from the council at our current house.

UPDATE I rang him but got his voicemail - I left a message saying that I am happy to pay £200 and that I will not be threatened. His reply. "It is not a threat it is the LEGAL and LAWFUL procedure for a distress warrant to be executed at your home address. It is a court warrant for criminal offence fines. I will execute the warrant and REMOVE goods from your home address. I will only accept payment in full. I am not a baliff and i DO have the power to come into your home address. If you do not believe me by all means ring the magistrates court" Panicking now guys.

We moved house shortly after this happened. It is around 8 months old. I understand that in all reality the fine if for a criminal offence, regardless how small the crime is. But would the magistrates really allow forced entry on such an amount? I keep on reading different variations on the law and personally, I think his threat to bring a removal team after never being in my house is a bluff. I would like a professional opinion. Thanks

The fines, as ridiculous as this sounds is for not buying the full fare for a train ticket. We are talking pounds. I don't recall any further steps or payment letters from the court. I thought that they cannot take goods unless they have a levy?

To be very quick. I had 2 court fines. I came home from work one day and found a letter for both, one £330 the other £530. I rang the bailiff and paid the £330 and told him I can pay the £530 on the 16th. Last week my car broke down and I had to buy a new one. This obviously ate up my money. Today I received a text from the bailiff confirming that the payment is due today. I said that I don’t have the money to pay it, can you email me the court letter and I have spoken to citizens advice and shall pay it online His reply “Not a problem, I’ll let the removal team know they need to attend to remove goods from the house. Broken payment arrangement. This warrant has a power of entry from the court and I will be enforcing it” Seriously what can I do? Any help greatly appreciated

Whilst I can't help your situation, I would like to know the laws surrounding Bailiffs and car seizures. Anyone?

Cheers for all of your help guys. We move out of the house on the 6th our last night being the 5th July. I have paid £50 of the original council tax direct online, I will do this until the original debt of £400 is paid (Rossendales have bumped it up to £700) I rang them up last night and claimed if they can wait until the 8th they can have the payment in full, stall tactics of course, they said they intend to seize goods. The joke is, we are moving and everything we own is currently in storage. At the house as I said before we only have a plasma, sofa and an iPod dock. The TV is being collected on Saturday as I have sold it and upgraded (which will be delivered to our new address) There is literally nothing of value in the house at present, so I spoke with them on the phone and said “The bottom line is, the house is currently empty (played on the fact we are having it renovated) and you can wait until the 8th and have payment in full or you can come round again. But I guarantee you, we will not allow you access to the house and you will not know where my car is. As for ringing the police, feel free too. I will not raise my voice, disturb the peace in anyway shape or form. This is not a criminal fine so you have no legal right to enter my property with force” They said “We intend to seize goods and will be round within 24 hours.”Dooors and windows are locked. They can go swivel. I felt pretty good after that.

With regards to 'peaceful entry' We have a main door with a standard lock and in front of that a porch door.Now the main (internal) door locks fine, however the new double glazed porch doorwhich is the first door does not lock.So anyone can enter the porch but will be stalled by the main door being locked.Is that reason enough for them to get a locksmith?

"The Magistrates may well have signed the Liability Order but in this instance it is not for a criminal matter and confers no rights of entry to the bailiff."That is what I wanted to hear!

Cheers guys, I live in St Helens, but work in Stafford (70 miles away)So I drive to the train station and park up there at 06:15am my car is there until 6 and then I park it at home.Would it be worth parking around the corner and out of sight? Even if they have a magistrates court order, they are not allowed in, right?