Welcome Finance/IND CCJ - now trying serve

[nickprice153]

Morning Guys/Girls.

 

Thank you in advance for this help. Hope this is in the right section (sorry if not)

 

Very long story short, when I was younger, burying my head was great and new cars had been top of my list! Fast forward ten years, that's not the case!!

 

About 8 years ago, I took a car on finance through Welcome...(£6995) after 3 years, I got into trouble with work & the car got repossessed. At the time around 3900 had been paid. Fast forward to last year, I got called to court (8 months before it with have been statute barred) and I was given a CCJ for £12000.

 

At the end, the judge said, "the creditor will contact you for payment"

And as we walked out, so did the solicitor.

 

I recently received a "missed" parcel from APS. Quick look ok here, it seemed it would be in relation to the CCJ. I called welcome to make payment plan, they told me to contact IND, I contacted them, and they said I need to reply to APS as I have a date set in court on 10th November. But I MUST get te letter re delivered from APS.

 

I'm assuming they are trying to SERVE me? The girl at IND said it was to sit with someone in court to arrange a payment plan and go through my finances. Would that be a "Order to obtain information" ?

 

So, the second I finished the call, I sent a letter registered, to the court that issued the CCJ, Welcome Finance And IND wth a breakdown of my finances and an offer to pay £35pcm.

 

My basic wage is £15000 before tax. And have other debts I have payment plans with.

 

I suppose I just need some advice on this "order to obtain" if IND accost my payment plan, will they cancel that? Has it done me any favours with the court offering to make a payment? What happens if I'm not Served before the 10th November? Will they just set a new date?

 

 

Thank you so much again, any advice is helpful ��

[Bailiff Advice]

If this is an 'order to obtain information' then please try not to worry as theses applications are becoming very commonplace at the moment.

 

Can you post back once you have collected the letter etc from the Post office.

[nickprice153]

Thank you, I'm hoping they accept my payment plan before it gets to even meeting them. I understand these are also referred to as "questioning" and is usually carried out by a court official. I have been advised that it's in short a "I&E form and based on my basic earnings.

 

I'm keen to get the letter, but this APS are by a parcel courier or the Royal Mail, so I have to have it rearranged. So far I've called them over 10 times without any luck. I am printing off a call log daily to keep record just in case.

[dx100uk]

Why did you not defend the ccj?

 

Have you any statements or agreement from welcome

 

Bet the debt is mostly penalty charges and PPI gap or mech breakdown

All can be reclaimed

 

Dx

[nickprice153]

I did at the time.

But the judge was very dismissive and simply said, it's clear you signed the agreement,

these charges are in the agreement as st the penalties etc

 

I had a solicitor look at it but it didn't sound positive..

..I can upload everthing tomorrow (no access to a PC till the morning)

 

Is it not to late now?

Any advise will be approciated

 

 

my main concern at the moment is getting this "court questioning" confirmed.

 

 

I have been advised that when they go over my finances,

it's all done on guaranteed income (my basic pay)

which has calmed me a little, as I have supplied a I&E stating exactly what I earn etc.

[dx100uk]

How the beep can you have a ccj for £12k!! When you paid £4k

 

How bi was the loan?

 

Smells

 

Dx

[Bailiff Advice]

As your query does not involve bailiffs (and we hope it stays that way) it may be a better idea if the moderators move your thread to the debt section of the forum.

[dx100uk]

yes I was thinking that

moved to the welcome finance forum.