Welcome to Just Answer
I am a Solicitor and will try and assist you today.
Please may I ask:
- do you know if a county court judgment has been obtained in respect of the debt?
Thank you for your response.
You can check by using this link. Its costs £4 to find out.
If they had applied for a CCJ then you would have been notified.
If they do have a CCJ then they have various enforcement options available to them and what they will utiilise will depend on your assets / income etc. If you own a house they could seek a charging order. If you own assets in your property they could refer to a bailiff. If you are employed they could seek an attachment of earnings to receive a payment from your wages.
If they havent yet obtained a CCJ then you can still seek to agree a payment plan. They cannot use any other enforcement methodsdetailed above unless they obtain a CCJ. You do not have to let them in your home and you can discuss a repayment plan to try and agree a schedule over the phone to stop matters going to court.
You should also consider seeking debt advice as they may be able to help you agree a payment plan without having to go speak to your creditors yourself. Check out:
Let me know if I can help you further.
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In reality the creditor will want to obtain a CCJ if you dont engage with them. This will then give them enforcement options to seek to recover the monies from you another way.
It may well be that they have not yet taken such action because of your illness. This will not last forever and if you dont engage with them now and agree a repayment plan then you are going to be looking at them applying for a CCJ.
You do agree the money is owed and therefore they will obtain a CCJ. This will affect your credit history. Its best to try and agree repayment now - as to what you can afford. Detail your incoming and outgoings and then offer a payment. Stepchange can help you with this is you want them to deal with the creditor for you. You do not have to let them in your house and they cannot repossess any of your property unless they have a CCJ and a subsequent warrant of execution.
In fact - letting them into your home now - could serve to let them know what belongings you have. It is better to engage by telephone and / or speak to a compnay such as Stepchange.
your welcome. let me know if I can help you further.
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