Anyone had any experience using them, a relative is having some issues. The debt has gone to £4300, and they have paid £1300 in the last two days. They are threatening to remove their stuff unless they stump up £1600 today. They cant get this and so are worried. The sheriffs have been in and made an inventory list so can take possessions away.
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I may be wrong but that's my understanding .
Personally speaking I would pay up, they will take a credit card or cash.
If they do seize goods you will get a very poor return, as these will go up at an auction.
Best to try and come to an arrangement if you can , and I would not hang about.
got a mate who owes some money on a loan and its gone to debt collection, he gets the standard cowboy letters about someone coming round his house to collect the money, but he tells me most money forums say they are false threats. Be interesting to know what sort of debts call in Sheriffs.
The whole small claims 'procedure' has changed, this gets sent off to Salford and they direct a local county court, probably Dartford. Quite what Woolwich county court does I have no idea.......
Anyway, you then can proceed to a high court for another £80 and they issue the summons. It of course also screws up there 'credit history'.
Court's can be strange places, you have to be very clear, and certain of your case. The judge will establish the facts for trival or unreasonable claims.
Having worked in the high court as a reporter 40 years ago, I have seen a few 'clever dicks' come unstuck, even with decent representation.
I have had to use the small claims a couple of times, and it was a very informal and fair proceedure.
I used to work with high court sheriffs on a daily basis and the different methods they can use to get into a property without and 'force' can be quite eye opening.
To really be able to say what your friends can do we'd need to know if there is a CCJ (I assume there is) and when the inventory was taken.
if it wasn't borrowed .. how can it be a 'debt' .. soot for brains
Name calling is petty though guys. Peace and Love and Promotion and Happiness
My point was, why resort to name calling when we are mostly adults?
errr.. non payment of goods & bills .. both MONETARY transactions .. fines .. a monetary debt owed ..
Looking at your above post it is you who needs to read a dictionary.
As for factory workers, don't make me laugh, I only hang with the rich kids.
Of course it is borrowed money .. if you take goods or services on credit, that is a MONETARY DEBT, aka Borrowed money .. so tell me .. you buy a TV with a credit card .. is that borrowing money from the credit card company ? ...