Thank you, again

Just to let everyone know, I got in Contact with the Finance Company and they have finally agreed to a full and final settlement of a few hundred quid. they will then mark the CCJ as settled. The last question I have is. The duration of the CCJ appearing on my record is 6 years but when does that Clock start? when its settled or when it was granted? Thanks in advance

Thanks again guys

Thanks for that and yes you are correct on all the above . The last question (i promise ) is what happens if the solictors stop chasing me, will the courts do anything or just leave the CCJ on my record?

The 15k figure is made up by them I have no idea how the came up with such a figure at all. The issue with the set aside is that I will have to go the the court at the hearing date, That means an air travell, hotels ETC. The court they obtained the CCJ in, Is also in a place that I have never lived (or even visited) at all. It was in bournmouth of all places, The solictors firm are based in watford, so why it weas chosen I have no idea. I have written to the court that asked for my earnings (where I told them I live in sweden and have no UK earnigns at all) and I'm awaiting a reply fromthem. I will then see if i can get a solictor to attend court on my behalf and get the set aside, will that be ok? as i guess paying him/her will be cheaper than the travel and hotels, or do i have to go in person? thanks again guys

Thanks for this guys, the difference in value was about £800 in their favour from the time i told them to take it back and the lowest trade value in the parkers guide at the time. I'm willing to pay around that amount and always have been. i actually dont care about the CCJ at all. It has no effect on my life in any way. i just want them to stop hounding my family. I shall write to the solictors who are trying to sue me and tell them where I live and offer them that amount with my reasoning. As like you quite rightly point out a trip to the UK with the solictor at my side to get it set aside will cost a lot more than I actually owe.

I just found out they managed to get a (ccj) judgement against me at an address i have never lived since i was a child age 9!!! My father had even sold that house a year earlier, how is it possible??, and what can I/should I do about it?

One last thing, Is it fairfor them to try and force me to pay for the deprecation of the car they left idlefor two years?

Thanks Ray I will do that.

All/ Anyone I will try to keep this as short as possible without skipping any details.(sorry if its a long one) Whilst living in Scotland from 2000-2007 I managed to acquire a massive amount of debt, I had quite a good income and the banks through credit cards at me, in April 2007 I had about £30,000 owed on credit cards which i was slowly paying off each month. I was also granted credit on a new car on a 5 year agreement, I had always paid all my debts off and my rating was very good, I was sold the car with a standard 5 year agreement in which I paid about 20% deposit and then monthly payments for 5 years. with a get out clause after 2.5years where i could simply hand back the keys and walk away. I lived in Scotland until the end of December 2006 when it all started to come crashing down, i lost my job and the banks (quite rightly) closed my cards. So i found another Job in Switzerland, i continued to make all the payments to the cards and the car, I ended up paying off all the credit cards taking all balances to 0 over the next two years. knowing that i may come back to the UK i kept the car. Having paid 2.5 years on the car and now not coming back to the UK i contacted them to hand back the car, They then said i had no such agreement!!!! that there is a sub clause to the sub clause saying that my car was over £30,000 and that meant the agreement was invalid. i Then replied that the car is now there’s as i don’t intend to make any more payments and i stopped the direct debit. i told them my Swiss address and they wrote me a letter saying that they now owned the car and i would be contacted by a recovery agent. I replied to the letter with collection details about the car, That was Jan 2009. The car sat at my fathers house a further two years before anyone came looking for it despite calls from me to the finance company asking when someone was going to pick it up. its now almost 2013 and a local court has sent to my mothers house an "application for attachment of earnings order" saying that I owe over £15,000. they have taken hte car and sold it but as they waited over two years it (ofcourse) dropped in value, and they are now suing me for more than was left on the debt when they took ownership and they have made no visible adjustment for the fact that they took the car and sold it at auction, I want this solved, i don’t think i owe them any money at all. to top it all off i now live in Sweden and have no plans to return to the UK at all other than to visit family. What should i do to contest this without having to shell out thousands in fees to a solicitor?