OnTheRun
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Posts
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Thanks! Any suggestions on how best I should respond or whether I should increase my offer?
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Thanks for the reply, It was a credit card taken out around 2008 and the decree was issued to a previous address in October 2013.
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Hi everyone I am looking for some advice from anyone who has experience/knowledge of Scots Law. I recently found out that a decree was issued by the Sheriff's Court for an outstanding debt. I was unaware that a decree had been issued against me but I'm not surprised. It is now in the hands of solicitors who I have made contact with but we are communicating only by email at the moment. I have filled out an income/expenditure form but they have responded to say they have received a report from Sheriff's Officers that I am employed. Therefore, they have rejected both my offer of a payment plan and an offer of settlement in full (at a reduced rate). A. I am not employed. Where/How would they have got information to the contrary? B. How should I respond? Make a revised offer? I refuse to provide them with an up to date address or a telephone number for obvious reasons. I would appreciate if anyone could respond quickly as I'm in desperate need of some pointers of where to go next. Thanks
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Also did a search on there for any Scottish Decrees for my former and current address in both surnames and nothing.
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I have used the TrustOnline website to check for CCJs in my former name at my last known address (the address I lived at 7 years ago before I changed names) and no CCJs have been registered against those details so fingers crossed that it is statute barred. Thanks for all the advice
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Thanks for the advice The only problem I have is that because I have avoided the debt for so long, I have no idea whether any CCJs were issued. Any mail I ever received was returned to the sender marked "addressee unknown". I cannot access my old credit file (in my old name) to check if there have been any CCJ's for the simple reason that I am unable to prove my identity for my old name (I stopped using any accounts and documents associated with that former name). So the best approach may be to just continue to ignore the creditors... Thanks again for the advice
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Thanks for the advice The only problem I have is that because I have avoided the debt for so long, I have no idea whether any CCJs were issued. Any mail I ever received was returned to the sender marked "addressee unknown". I cannot access my old credit file (in my old name) to check if there have been any CCJ's for the simple reason that I am unable to prove my identity for my old name (I stopped using any accounts and documents associated with that former name). So the best approach may be to just continue to ignore the creditors... Thanks again for the advice
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I changed my name in 2006 whilst living in England and from then on-wards I did not make any payments towards my debts in my old name. I did not inform my banks or creditors of my change of name and have not applied for any credit accounts since then. I have been living in Scotland for 1 year and all of a sudden I have had Sheriffs Officers visit my address on a few occasions looking to speak to my "old alias. I have not acknowledged the debts at all, I have simply told them that there is no such person living at my address. My questions are: A. Can Sheriffs officers pursue a debt in Scotland that was built up in England? B. If so, can they pursue these debts if more than 6 years have passed and there has been absolutely no contact or acknowledgement of the debt either by phone, writing or any other method? C. Can I continue to use the same method to get rid of these peoples i.e. plead ignorance that the person doesn't exist at my address? Any help or advice would be greatly appreciated!
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Bought the car from Arnold Clark, finance is through Santander Consumer Finance, not sure who they have sold that debt onto now. It's not HP, just a 5 year finance deal to buy the car outright.
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I bought a car on finance in 2009 over 5 years and stopped making payments in 2012 when I lost my job. The finance company continued to chase payments on this and I now believe that they have sold the debt on. My car is now un-roadworthy due to a seized engine, and I cannot afford the repairs for this. Can I legally sell the car privately or even scrap it while there is an outstanding finance agreement on it? Or would this be breaking the law? Also I live in Scotland if this makes any difference, although I bought the car in England from an English finance company whilst I lived in England. Thanks
