Welcome finance debt CCJ I've found

[Shelly16]

Hi Everyone,

 

First time poster but long time lurker.....

 

So like many I have a welcome un-secured loan.

It was brokered by a window company selling me double glazing.

 

Long story short my husband lost his job,

we fell into a serious situation and prioritised our mortgage.

 

Welcome was not easy to deal with

, at times they sent threatening text messages.

We tried payment plans but they always fell short

and they would play their games to drive charges etc.

This was around 2009.

 

Things went quiet and I wasn't paying due to trying to keep up with mortgage and other debts. They then sold the debt to a number of DCA's.

 

I have recently found out that they have registered a CCJ against me.

This was 30 Months ago

. I know this cannot be done without them applying to the county court.

 

Having spoken to my husband he claims that he did see paperwork about 3 years ago but in a panic threw it away thinking it was DCA trying it on and the court wouldn't do anything if they didn't have good evidence.

 

I know that's not the case,

my husband had lost his mom at the time and was working 60 Hours per week just to meet our commitments.

 

He was also put on medication for depression that came with several side effects.

 

So what do I do?

 

I have just sent the latest DCA / solicitor a SAR.

I am waiting for the response.

 

Since the CCj was registered I have seen no bailiffs or any enforcement action.

Should I negotiate a deal and pay, whilst waiting 3 years for it to drop off my file or would I have chance of restarting the process?

 

Your thoughts / advice would be welcome.

 

thank you all,

 

Shelly

[dx100uk]

The at should have gone to welcome.

 

You'll wake the dca up now

Who was it?

 

Phone northants bulk court

Ask for a copy of the ccj

You'll need the number of it from your credit file

 

How much is it for and when did you take the loan out?

[Shelly16]

Thanks for the reply dx,

 

 

Mortimer solicitors have recently started to chase the debt, it was in their letter that said about them having a ccj. They have put on hold until they fulfil the SAR.

 

 

Just checked my records, loan was taken in 2008, don't think i paid anything since 2009/10. They registered ccj in 2013. Loan was for around 4k, ccj is registered with a balance of 3.5k.

 

 

Should i also SAR welcome?

 

 

Shelly

[dx100uk]

Cabot then too? Being their client?

I would suspect as with all welcome loans there are lots of maladministration charges and PPI etc

 

You sayyounever paid anything at all?

 

Let's see if you get back the statements first

Then plan your next move

[Shelly16]

I paid the loan for about a year then got in trouble, i don't recall paying since 2009/10.

 

 

When i get SAR i will post up.

 

 

Thanks DX

[dx100uk]

So you have statements?

Cap is welcomes word for interest

 

You'll be using the cisheet at their int rate

But you need to go read other welcome threads as they now class themselves not liable for any reclaims..

 

Did you have PPI or life ins on it!

 

These could all be calculated to pressure who got the ccj (who was it?)

Into short settling though but you'll need all the info first

[Andyorch]

If the judgment was granted nearly 3 years ago and they have not enforced it yet...I personally would leave it alone...only another 3 years to wait before it will become very difficult to enforce and by writing to Mortimer Solicitors..you may just make them aware of the time frames.

 

You would struggle to set a side a judgment nearly 3 years old

 

Andy

[dx100uk]

sadly the sar to them has gone off urghh