Help with a CCJ

[niki2002]

Help....

I have just had a phone call from a really snotty "lawyer" regarding an issue of a CCJ for �650.

This is a debt I have disputed for many months and I know I dont owe. I have sent many letters to various debt collection agencies and never had any joy. They are now telling me If I dont phone them back by 3.00pm today with full payment they are going to issue me with a CCJ and get an attachment of earnings.

I cant afford to pay this and as I said I sont actually believe I owe it.

What shall I do?

[Quoi]

This snotty 'lawyer' doesnt happen to be in Glasow does it?

I suggest you look up the company by googling it because some have a really bad history of harassment.
If its not the same company as I had problems with (similar situation) then seek advice from CAB - you do not have to put up with being harrassed.

They cannot issue a CCJ without you being allowed to put forward your case.

Good luck

[EverClean]

If you don't owe it then they can't have a CCJ against you for it. It really is as simple as that.

If, however, there is some dispute regarding whether you owe it then I would attempt to deal with the company you are in dispute with, rather than a collection agency - if they will let you.

At 3pm today (very soon) they can possibly APPLY for a CCJ or set the process in motion, but as has already been said the court will ask you for your say.

Good luck.

[fredpuli47]

What do you mean by 'disputed' ?Are you saying that you have no idea what this debt is supposed to be for? That is, you've no idea who the person or company is that is claiming the money or why they are claiming anything? Or are you saying 'Yes, I did have this transaction: purchase or contract or services, or whatever, but I don't owe anything now, or don't owe as much as claimed', or what?

It could be a con.Write back and ask this 'lawyer' which Court the proceedings were issued in and to give a court reference number to identify the claim.Nobody can get a CCJ (County Court Judgment) without proceedings , that is a claim, being issued in the Court. It's all done through the Court. You'd know that the claim had been made because you'd have got a copy of the claim from the Court itself with time to acknowledge you'd got it, and asking whether you dispute the claim in total, deny it, or if not, whether you accept that you owe part or all of it. You'd reply to the Court and put in a written denial of the claim , sent to the Court.

Whatever these people say they can't get a CCJ without issuing a claim through the court (as above).All sounds very fishy, does this!