amex/Brachers LLP CCJ - now warrant..

[victoria74]

I have mental health problems and in 2006 & 2007

I ran up about £20k in credit cards, loans while I was quite poorly.

I was hospitalised and it took a long time to get my life back on track.

 

I was CCJ'd by Amex for £14.5k which was £3k more than the balance.

 

I went into an arrangement with a solicitor acting for Amex and paid £50 a month by standing order.

 

I had another relapse and went back into hospital, lost all documentation relating to the solicitors and heard nothing for 3 years

but did try to find them for a while then gave up and tried to forget about it,

 

i moved 2 years ago

I got a letter in the post on Saturday which I daren't open as I know it's from them.

 

Ive almost managed to pay off the other unsecured debt but feel sick with worry about this one.

 

Can someone advise what my options are.

I want to pay, won't have a lump sum and can afford a small monthly payment.

 

I'd also like to know if there are organisations that will contact them on my behalf as I'm avoiding it due to fear I really do want to sort this out though.

 

Thank you and sorry if this is in the wrong section.

 

Sorry should have said I was defaulted in June 2007 and CCJ'd in 2008.

 

I paid approx 14 payments of £50 a month off the debt.

Edited June 18, 2012 by citizenB

[Bazooka Boo]

One of the site team should be able to move your post to the correct forum so you will get a better response to your circumstances.

 

In the meantime, their is nothing to be scared of, it is only money, and this letter is only a piece of paper.

 

They are either asking you to pay or are trying to find you, you won't know until you read it, and then tell us what they want and who it is off.

 

So reading it is the only way you are going to be able to deal with them, and with CAGgers help, it will be dealt with much better.

 

Cheers Site team:thumb:

[citizenB]

Thanks for flagging thread, BB.

 

I think this forum will do for the meantime.

 

Victoria, I think you are going to have to be a little brave and open the letter. Are you able to scan a copy in or alternatively type up what it says then we will be better placed to advise.

 

If you have scanning facilities, then follow the instructions below. Please make sure you edit off any personal information first.

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

[citizenB]

Citizens Advice Bureaux would probably be able to contact them on your behalf .. however, let us know what is going on and we can advise what you need to do.

[victoria74]

hello and thanks everyone for replying. I've opened the letter. I think the fear of the unknown/unremembered was worse that reality for a change. The letter says:

 

"We have been trying to contact you with regards to the above matter.

 

The last payment we received from you under the Suspended Warrant of Execution, was on the 29th November 2011 for £50.00 and since then we have not received communication from you, payment or otherwise.

 

Please find enclosed a personal financial statement to be completed and returned back to us, along with your offer for repayment. Failing to do so may result in us taking legal action against you, without further notice, incurring additional charges, where all or part may be added to your outstanding balance"

 

enclosed with the letter is a personal financial statement to complete. I'd forgotten that there was a warrant of execution for the CCJ which they suspended because of my ill health. Where do I stand now.It's Brachers LLP who are dealing.

 

thanks again I really appreciate this and feel much better already.

[citizenB]

Hello Victoria,

 

Have they given you a time by which you need to respond to the letter ?

 

You should complete the financial statement - you could ask Citizen's advice bureaux to help with that if you like - it might also be a good idea to reconfirm your poor health to them.

[dx100uk]

can you please use one of the CRA's listed below

 

and see what that says about he debt please as well

 

dx

[Bazooka Boo]

There you go, that's not as bad as I thought it would be either!