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I got a letter from Dukes Bailiffs regarding a a debt of £1412 owed to Worcester City Council. During my investigations I find out that I have a CCJ with the exact same amount so I believe this is related to CCJ. I have contacted by letter Dukes and the County. Do I have to contact the courts as well? And if this is indeed the CCJ? How can I prove I do not owe the money? This is dated from 3 years ago. I never received a court summons. What do I do? I am now writing a letter to the Courts as well. I do not believe I owe this money. How can I prove I never received a court summons? How can I prove I do not owe this money? I dont even know what is this debt from/// If I do indeed owe this money I will do my best to pay this debt but I need proof first! Can anyone help me??

Hello again Seems I jinxed this a bit. We have managed to transfer the balance of his Vanquis credit card to a Halifax credit card at 0% interest in the first 18months. I guess his credit got better. He has now paid off his Capital One and he is on his way to clear his debt by paying his Halifax balance transfer in 18 months. But unfortunately we received in the post a letter from Dukes Bailiffs looking for what I believe his CCJ debt. We dont even know whether it is that or not but the amount of money seems to be. We have sent letters to council requesting proof that we owe this because to be honest I have no letters anywhere saying or proving he owes this money. I believe if they are chasing us now, we need to pay for this correct? Now he only "owns" a car that he is finishing paying for next June but its a broken car and he is now riding his bike to work because financially we cant pay for all. I can try pay off his car and try and sell it but broken wont give us much money, but it should be all he has. Any comments on this? I am his girlfriend and I am trying very hard on this. He is the kind of guy who bins every letter making me absolutely crazy and he is a good guy but very bad with finances but I honestly believe I have helped him a lot through the past year! Adriana

I thought that if he hasnt been chased for these 6 years then he definitely does not have to pay for it. but now im confused

I'm not sure I understood. You mean his credit file will be even worst if I close his account? And I know the ccj that is forgotten after 6years and he doesn't have to pay. But I've heard that it won't help his mortgage because they will know he didn't pay... And our rates might go crazily high or it will have to me the only one doin a mortgage

we stayed away from debt management plans right now i paid one of his CC and he is paying me off, asked to cancel his account by writing, waiting on response at the moment. only one card left to pay I wrote to vanquis to cancel his ROP, but intend to pay it off too because his credit rates are horrendous. he was worried with the fact that canceling his cards would affect his credit rate, but honestly i think his credit rate will never be any better if it takes him years to pay a debt off and in the meantime he gets no more money left for nothing i believe it will help him if i do. as for the CCJ we got nothing and he is registered to vote and so far no letters so we are sitting on it. my biggest worry now will be one day we apply for a mortgage and his ccj will be void but not sorted will be there and will come back to haunt him. but thats in the future and i cant pay off everything. he got a letter from department of work and pensions saying he owes them £23 lol i hope that will be the only letter he is getting seems he has no clue why he got that to pay so he called them and it was crisis loans from when he was on benefits for 3months. getting bit worried since if he can owe them that, what else can he be owing... but so far he is managing to pay everything very slowly but paying...

Thanks DX Im not sure why you saying for me to open a new thread for each debt? To look into what? mmmm the SAR is quite expensive. I cant afford give that money to him and I believe he cant give it out either!!!

Ok What is this SAR? And you say to look into this forum for what they say about each creditor? He gets his paper statements each month for the credit cards but he bins them!!! I want to kill him sometimes. He gets a I think a quarterly statement from Amigo but I think I managed to save that one from the bin lol We dont have statements for Advance Finance. Only the loan agreement.

I see. Yes thats what I thought. They all are enforceable. We are not using any DMP provider at the moment. Or PPI companies either. You reckon I could keep my head down unless they realize it and start chasing us? Then what do you recommend to do? And as for that Barclayscard under a dmp provider. No one has chased us and they are not showing up in Experian or Noddle only showed up on the IVA draft Knightsbridge sent us with the address for the dmp Watch portfolio. And when I contacted the Watch portfolio they said my BF was not on their system. So Im not sure what to do with them either?

I have already sent a CCA to each one of them. Thats when one of the creditors cleared one of his debt (Lowell). And another said he wasn't on the system and it is not showing up on Noddle and Experian so we are not worried with this one (Barclay Card). All the others he is owing money to them (Amigo, Advance Finance, Vanquis and Capital One) and he is paying them monthly. The only thing I could not send a letter to was the CCJ. Now I have a number so I can ask about it. We never made payments into the CCJ, and he is owing 1500 so far that I know of. It is what is written in the trust online register. But I have read online about the form N245 where you could apply to a reduction in the installment order. Bear in mind I am not even English and understand nothing of CCJs and any of the bureaucracies I dealt with was through googling and checking money saving experts and all the websites I could read and learn about debt in UK. Unsure I could try and apply for it and see if he does not have to pay so much into this CCJ. How can I tell if his debts are not enforceable? Amigo sent a letter saying my BF has no PPI with them. Vanquis and Capital One were applied for on internet. They sent their loan agreements but there are no ticks for insurance payments. As for Advance Finance where it has the square to tick for insurance payments none is filled so I take he has no PPI to receive from them. I can try and send that PPI template to each one and try our luck. Was thinking the same for Lowell but my BF said I was getting too greedy, but for them to not even sending the loan agreement, and sending a letter saying your account was cancelled. You owe us no more money. I though this smells and there might be some money for him to get back... but since he cleared the debt he stopped worrying about it. And I might be getting greedy... This is a mess and Im trying my best but Im no finantial adviser and hate numbers too. And thats why I keep my finances in check! I worry more than he does I reckon.

The only people who are not aware of his new address is the CCJ. All of his credit cards and loans have his address updated and everything is being paid up to date. He has no arrears, no late payments, just a stupid high interest in his both credit cards but he is paying them. He been doing over time everyday and working saturday and sundays. He is definitely trying and although he is very laid back and might not be capable of working this out Im wasting my time trying to help him out. He owes total around £10,000. His CCJ is around £1500 We were told because of his CCJ he had to go through an IVA. You think he can go through an DRO? THat is helpful! Will look into that! Made some letters and will send them to court regarding his CCJ. Do I have to send them to county as well where we think this debt comes from? And I have seen a form where I could apply to try and pay less money for the CCJ since he cant pay it in one off but unsure if you can use it only during that first month before it goes in your record? What you said about Advance Finance we asked for the loan agreement but we seen he is not checked into any form of insurance. Do you still think it would be worth it to send them that PPI letter? Thanks for all of your tips guys!

Do we have to inform them of his new address? I mean he never had letters from them. We couldnt even find out the number for his CCJ. Now should we get a copy and inform them of this address? Can they figure it out he has a new address by being registered in the electoral roll?

Thank you so much for your replies. They led me in the right direction. I went on Noodle and this credit check came saying he has indeed a CCJ. Using trust online with the address from ccj in the process on noodle that says the ccj is there. My question now is they have all the updated addresses on credit check and he is registered to vote so they have his new address but they haven't bothered to chase this up. The ccj dates from 2013 I'm Wondering whether to leave things like this and wait for 2019 or get him to sign into an iva and sort this for good only on 2021? Funny enough his supposed Barclay card debt did not show up on either checks I've made. So apart from the ccj he is doing fine

Thanks for your reply! Im really not thinking of going with the IVA. I do not have anything regarding the CCJ. There is no number on the draft just address. I have not sent letters to Barclays yet. Only the company that took over this Barclays debt and they said he is not in their system. His debts: Vanquis credit card Capital One credit card Lowell - we got a letter from them saying he owes them no money anymore so no debt Barclays card (he was not aware of this) CCJ (he was not aware of this) Advance Finance - his car Amigo Loans - with a guarantor I have asked for loan agreements and have got them with the exception of the Barclays and the CCJ. He is paying for all of these with exception for Barclays and the CCJ. And the ones I am focusing on are these two now. And Im on the process to write letters to the court and ask for more information. Is Trust Online the real register for CCJ? Can I check a different one? Should I have used a previous address when checking?

Thank you Neil. I will have a look into both.