Hello to the forum,
I have wrote on here before but no one returned an answer so I thought I would try again as things have turned and I need help ASAP.
Quick background. I had a car with black horse and fell into financial trouble so the car was repossessed, sold for a fraction of the cost e.t.c. I was informed this was the end of things. The repossession happened in 2012. Since then I have had a bonfire full of letters from Lowell and bw legal which were ignored as they couldn't produce the documents I asked for.
Over the last few months however I have received letters from bw legal with some high demands. I wasn't worried at first until they threw into the mix that I had a ccj judgement against me. Intrigued as I havn't been summoned to court or anything I told them this wasn't true but they were still adamant that it was. I checked every credit file I knew and nothing, I paid for the trust website and still no judgement, nothing. I emailed them back stating this wasn't the case. The letter reply they sent was still saying I did, and that they were applying for an attachment of earning order? I said ok if that's the route you want to go but I will not be acknowledging the debt until proof can be obtained. In the past week they have sent me a letter titled Notice of Enforcement Action. It has all the usual name, creditor, balance due etc. The line that is puzzling me is: You have failed to pay the amount outstanding under the county court judgement. Your judgement arrears are detailed below. Judgement arrears £0.00
We have now issued enforcement proceedings in the form of an application for an attachment of earnings in Rotherham county court. You will hear from them soon.
Well I am baffled as its like im on a roller coaster do I don't I, is there isn't there?
I received a further letter saying they were going to clarify and prove the ccj but all they sent is a balance sheet from black horse.
I need help as I have never been to court in regards to this
is there a ccj ( nothing is showing on trust ),
What does judgement arrears £0.00 mean?
Are they pulling the worst tactics known to a dca?
What should I do?
Please someone help I am in need of it big time.
Stvie
I have wrote on here before but no one returned an answer so I thought I would try again as things have turned and I need help ASAP.
Quick background. I had a car with black horse and fell into financial trouble so the car was repossessed, sold for a fraction of the cost e.t.c. I was informed this was the end of things. The repossession happened in 2012. Since then I have had a bonfire full of letters from Lowell and bw legal which were ignored as they couldn't produce the documents I asked for.
Over the last few months however I have received letters from bw legal with some high demands. I wasn't worried at first until they threw into the mix that I had a ccj judgement against me. Intrigued as I havn't been summoned to court or anything I told them this wasn't true but they were still adamant that it was. I checked every credit file I knew and nothing, I paid for the trust website and still no judgement, nothing. I emailed them back stating this wasn't the case. The letter reply they sent was still saying I did, and that they were applying for an attachment of earning order? I said ok if that's the route you want to go but I will not be acknowledging the debt until proof can be obtained. In the past week they have sent me a letter titled Notice of Enforcement Action. It has all the usual name, creditor, balance due etc. The line that is puzzling me is: You have failed to pay the amount outstanding under the county court judgement. Your judgement arrears are detailed below. Judgement arrears £0.00
We have now issued enforcement proceedings in the form of an application for an attachment of earnings in Rotherham county court. You will hear from them soon.
Well I am baffled as its like im on a roller coaster do I don't I, is there isn't there?
I received a further letter saying they were going to clarify and prove the ccj but all they sent is a balance sheet from black horse.
I need help as I have never been to court in regards to this
is there a ccj ( nothing is showing on trust ),
What does judgement arrears £0.00 mean?
Are they pulling the worst tactics known to a dca?
What should I do?
Please someone help I am in need of it big time.
Stvie
BW Legal and the misterious CCJ. HELP!
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