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Mightyroyal5

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  1. Hi I had a ccj that has now dropped off my credit file that remained unpaid can this be taken to court again or can they still enforce it as the DCA in question keep sending me emails threatening the below. I just want to understand if they are just threating or if they can take the action they are stating. As you are aware, this account is subject to an active County Court Judgment and as you have failed to repay the outstanding judgment debt, it is now open to our Client to enforce that Judgment against you by one of the following methods: Warrant of Control (Bailiff Action) Attachment of Earnings Charging Order
  2. Hi I received a letter today from Churchill recoveries regarding an old utility warehouse account advising me of a home visit. I'm not bothered about them rocking up at my house because they won't last 5 minutes as my MH is pretty darn bad and I will just argue with them for fun, my question is they have stated in the letter that there will be a charge of at least £100 or more. Is this legal not to state a correct figure? I mean they could put that and then charge me £1000 and say well we did put £100 or more. Like I said I'm not afraid of the visit as I will record it and not answer anything they ask its the figure they are charging me as even at the lowest amount of £100 is more than 50% of the debt. Is there a maximum they can charge etc just so I am prepared for there visit, I don't trust them one bit as I have already advised them all communication must be in writing due to my MH but they still bombard with calls from a mobile number to try and get me to answer.
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