CCJ from 09/2009

[judehamish]

Hello,

 

This is a great site and unfortunately I need more advice.

 

 

I had a spell of major problems/mortgage arrears, and unfortunately the Halifax were awarded a CCJ against me in September 2009 for £8362 in relation to a personal loan.

 

I agreed to pay £5 per month, which I did for about four months, before I forgot about it and concentrated on mortgage arrears, (Halifax also).

 

 

After missing two payments I phoned the Halifax to make the missed payments and they would not accept them as it had been transferred to another department.

I have not heard from them since.

 

The advice I require is,

 

 

what should I do now,

as I am now managing to live and have sorted my mortgage arrears and am now in a full-time job.

 

Continue ignoring the debt, and risk it being sold on?

or phone the Halifax and risk rocking the boat?

 

I'm really after sorting my life out and have this hanging over me.

 

I would be very grateful for some advice

[dx100uk]

sit on it.

 

 

for now

 

 

why not send an sar off to get the statements

 

 

to see what PENALTY charges and PPI there might be too.

 

 

was it Halifax that went to court

 

 

or they sold it to a DCA?

 

 

dx

[judehamish]

Hi Dx,

 

Many thanks for your reply. There won't be any PPI charges unfortunately.

 

It was the Halifax who took it to court, I'm still at the same address and still have a Halifax mortgage. I never signed any forms to take the loan out as it was all arranged by my ex wife who was an Halifax employee. Can the Halifax sell the debt to Lowell if there is a CCJ on it?

 

I'm just worried about an attachment of earnings order really as I would have to leave my job if that were to happen.

 

Many thanks

[dx100uk]

they can sell the debt yes

 

 

but as far as I know

the buyer [why you mention Lowell?] will not be able to 'use' the CCJ

unless they get it changed to their name.

 

 

dx