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| eckydelph |
Posted - 04 March 2009 : 13:26:50
Can someone please help, my head is hurting from trailing the internet for the answer. My husband has had a CCJ registered against him on 5/2, it was passed for enforcement straight away - how long will it be before the bailiffs come and what happens if they do come as we are intending to go BR in next couple of months. Any help or advice would be much appreciated. |
| 4 L A T E S T R E P L I E S (Newest First) |
| Melanie.n |
Posted - 05 March 2009 : 15:42:01
I would contact the court and credit card solicitor (details on ccj form) and inform them of the date of your hearing, court etc. This will hold them off taking things further as they won't want tin incur further costs
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
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| eckydelph |
Posted - 04 March 2009 : 18:30:13
Thanks for you replies.
The CCJ is for Barclaycard. I haven't done the N245 yet and not sure whether to as we are filing for BR on 7th May, I booked the appointment today.
Do you think if I tell them this that it will stop any action. My worry if I told them about BR is that they would put a charging order on our property. It is in negative equity so should be safe in the BR, my parents will buy the BI. |
| Melanie.n |
Posted - 04 March 2009 : 16:13:48
It all depends on who the creditor is who has obtaibed the judgement. Did you complete form N245 if not and you can make a reduced monthly payment for the debt, get in touch with your local court ask for a copy of an N245 this offer if accepted (and must be kept to so only agree to payments you can afford) will suspend the warrant and bailiffs will not call.
If bailiffs are for ordinary debt - they cannot force their way in on first visit, but can enter through an open window or door. Forced entry also means putting their foot in the door to stop you closing it - they are not allowed to do so and would make the whole process illegal. However if the debt if for HMRC their bailiffs are allowed to break in providing they have a magistrates warrant.
As you are on this site, are you in the process of filing for bankruptcy? if so , get on with it and contact the court/bailiff office and inform them that you have a bankruptcy hearing date on....this ususally will stall matters.
Hope this helps
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
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| memphisd56 |
Posted - 04 March 2009 : 16:01:21
DON`T PANIC!...I`m sure that you don`t have to let them in. Do what i did, and don`t answer the door to anyone you don`t know. Oh, and it`s NOT illegal to remove your things from the house NOW. That`s what i did, and now i`m B.R, i`m gonna move them back!. I even got someone to look after a cushion off my sofa...so it wouldn`t be worth them taking it. |
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