Sorry for the very long delay in updating. i filled out the paperwork for the attachment of earnings. I called the court to confirm they’d received it which they had. They advised the case is closed as my husband doesn’t work so can’t attach to anything.

We have no documentation for any of the debts and I know one of them just came off my credit report as the default was 6 years old so I’ve no idea who had took the debt on. I know Cabot is one of them for me and Moorcroft and Cabot for my husband. Hopefully they’ll write again soon so I can confirm we live here. Also I take it we can’t dispute one of his CCJ’s as being at the wrong address as we didn’t tell them our correct address even though on his credit report on 1 section they have the correct address but under Public Information it’s our old address.

So even though they are writing to us at our current address do I still write confirming where we live or should I now just acknowledge the letters.

that CCJ will be coming up 4 years. I sent back to the courts the attachment of earnings but when I rang they said it was closed as my husband didn’t work so they couldn’t attach to anything. I’ve not heard from Reston’s since.

Yes you’re right. We couldn’t be bothered. Our lives ended when he got sick and I became his carer. We have a back up plan which will work well for us. I’ve just been checking our credit reports and for me I can only see 2 defaults, 1 for the mortgage and 1 for a credit card for £557 although on my husbands he has got a CCJ registered at our old address even though they wrote to us where we live now.

I thought if after 6 years of me not paying or contacting them they cant chase anyone or have I got it wrong

I was hoping to try and ride out the next 6 months then they would be SB. My husband and I aren’t bothered by any court claims. It will just make us put our plans in motion sooner. Thank you for your assistance.

I’ll wait for the next letters then contact them. My can’t work and I’m his carer.

They already know where we live as we are receiving the letters to our current address. I have just never responded to any of them. They have offered reduced amounts to settle but we just don’t have any money.

Last payment on any of them was June/July 2014.

Hi. No I never told them we’d moved.

In 2013 my husband became ill and lost his job. In July 2014 we stopped paying all our non essential debts. We allowed our home to be repossessed. We also had a secured loan and a charging order. We stopped paying those too. Over the years we’ve had letters regarding the debts but I’ve just ignored them. I’ve signed up to see our credit report and can see the defaults recorded on a few of the debts but some don’t appear. The 6 years is almost up (roughly 6 months before they become barred) letters are now coming quite often now. I think it’s because it’s not long before they become barred. Am I OK to keep ignoring? My husband doesn’t work and is on ESA and PIP and I’m his carer. We have very little money and 3 children at home although 1 almost 21 at Uni and also a 17 and 15 yr old both in education. We rent our home and have a mobility car. Im also just wondering though with the charging order as it was secured but obviously not now as nothing to secure on does the 6 year limit still apply as I had read about it being 12 years. Its Moorcroft that’s just started writing to us regarding the charging order and Cabot for the other debts. Many thanks for any advise.

No he just said they’d post it out to me. Didn’t offer any alternatives. Restons have responded and said as a CCJ has been registered then they are under no obligation to provide a copy of the CCA. Is this correct?

Sorry Northants County Court.

Thank you for the advice. I requested everything to do with the CCJ which they are sending out. When I receive the info I’ll come back.

The CCJ was awarded in 2016. The debt is for just over £13,000. I’ve returned the AoE but as the lady said my husband is unemployed due to poor health, my house is rented and the car is on mobility so there is nothing further the court can do. I’m awaiting a response about obtaining the CCA.

With Payplan we’d been paying but apparently while someone was doing a review on our account they done some error with it so the money I’d been paying was never sent to my creditors. They apologised but due to being a bad time in our lives I closed my account with them. We moved house a few months later I’ll ring Northants bulk and ask for a copy of the CCJ although I’m not sure how this will help us

No. The debt hasn’t been with the original creditor for a long time. I think it’s been with Arrow since 2008 and we had been paying pay plan for a few years but in 2014 when everything got to much due to my husbands ill health and loosing his job we stopped paying non priority debts and allowed our home to be repossessed so we could save a deposit and rent.

No the one we lived at in 2014

The credit card was MBNA and was roughly 2002 when taken out but we honestly can’t remember. I believe the last payment was in 2014 via pay plan. CCJ registered in 2016.

Sorry to sound dumb but what claim form am I asking for. The address registered for the CCJ doesn’t match where I lived at the time although they can say it was my fault for not updating them

My husband had a letter from our local county court requesting him to complete an income/expenditure form. The client was Arrow. Due to a lot of financial stress in 2014 and loosing our home I had forgotten about the debt but noticed last year a CCJ for Arrow. It relates to an old MBNA credit card. I phoned Arrow who told me to ring Restons. My husband gave permission for me to deal with it. I responded by asking for a copy of the CCA so awaiting their response. I also called the court and they asked if my husband was employed. I advised no so she advised fill out the form stating unemployed and as the forms were a attachment of earnings form she says as he’s unemployed they can’t take it any further. Is there anything else I need to do. Thanks

The house was only repossessed in September 2014. Picture wrote to us about 3 weeks ago just saying we've found you, ring us but I didn't. Then yesterday an agent from Excel turned up.

Thank you. I shall try and find an address for Picture and write to them with our situation

My husband had lost his job due to illness and it took time for benefits to be sorted. Our house was old and needed a lot of work doing so after considering our circumstances at the time we handed the keys back. We had a £115,000 mortgage and £25,000 secured loan. The house sold for £60,000 therefore leaving a large shortfall. As of yet we haven't heard from the mortgage company and only heard from Picture last month after 3 years. I'll admit I've made no attempt to pay. I buried my head in the sand. My husbands health is poor and he's recently been diagnosed with PTSD. He sees a psychiatrist for mental health issues after suicide attempts. I really don't want an agent in the home as it will cause him stress. I've been trying to locate Pictures details online but i can't find a telephone number