ballifs

[xxconfusedxx]

has anyone had experienced a ccj being issued against you and the baliffs call? iv been waiting for a ccj so i can apply for various other options, iva, dro, ao, ect but i worry that once that ccj is made the baliffs will turn up next day before i can contact my debt advisor. any advice or personal experience gratefully received

[treetops1]

http://webarchive.nat...ankruptcy/DG_10013083

[sherrardk]

If a baliff does turn up (and I seriously hope it doesn't come to that) you have to be really careful that they are the proper court appointed one. When we had money problems two bailiffs turned up at our pub pretending to be the 'real' bailiffs but they were chancers. I don't know how they got the details of our financial situation but they did - I presume they get a cut of what they collect or something.

[Buenchico]

All that a CCJ does is order you to repay the money which is owed. That's usually at a rate which the court believes that you can genuinely afford. It doesn't authorise action by bailiffs.

If you fail to comply with the terms of a CCJ, the creditor can then seek enforcement action. One such method is by obtaining a 'warrant of execution' from a court, to use County Court bailiffs.

So, once a CCJ has been issued, a creditor must give you reasonable time to comply with it. (Depending upon the exact terms of the CCJ, there would probably be several weeks before anything could happen because you'd failed to comply).

Then they'd have to submit an application before a court in order to obtain a warrant of execution. (That would probably mean another fairly substantial delay). Then you have the right to apply to the court for the warrant to be suspended.

To summarise:
If you comply with the CCJ, the creditor can't send the bailiffs in.
If you fail to comply, it will be many weeks (or, more probably, many months) before the bailiffs turn up.

Chris

[Buenchico]

More here:
http://www.direct.gov...anagingDebt/index.htm

An excellent source of debt advice:
http://www.cccs.co.uk/

[themas]

Apart from an ao, you do not have to wait for a ccj in order to access other debt solutions such as DRO. Get advice asap from CCCS or local CAB.