30 Nov 2023

A question about : Drydensfairfax worrying letter

Hi, this is my first post. I have had a few letters from Drydensfairfax solicitors which are causing me some concern. I have read this forum for other things in the past and I've been impressed by the expertise you guys have, so I'm hoping someone can provide me with some advice on what I should do next.
I received a letter from Drydensfairfax Solicitors last week asking me to contact them about an outstanding debt.
This was followed by another letter from a company called Erudio Student Loans saying they had instructed Drydensfairfax on their behalf.
Another letter landed today to explain they had records saying a CCJ was issued against me in 2001. They went on to say that they would like to make a suitable agreement with me, but should I not choose to agree payment with them they mayissue an attachment of earnings order against me, mayissue a warrant of control for a bailiff to attend my address to obtain goods or they mayapply to the court to obtain a Charging order over my home.
I am aware from reading this forum that DCA's can be conniving and will attempt to frighten and intimidate debtors into paying. Despite this, I am really worried about the letters which have suddenly started landing for a loan I took out in 1996. I didn't defer the debt and stupidly (conveniently) forgot about it as no correspondence ever came to me about it. Although I am now reasonably well paid (no more than that) I am not in a position to make any substantial payments to Drydensfairfax. From what I have read, the CCJ means I will not be statute barred, which leads me to believe I will have to pay the debt.
They have attached a declaration of earnings and outgoings forms, but I am reluctant to return anything without checking with someone with knowledge in this area first. However, my gut feeling is that I will need to acknowledge this letter as I do not want the situation to worsen.
I would really appreciate any advice from you guys on what to do next!

Best answers:

  • Looks like you are in the same situation as the person in this thread:
    https://forums.moneysavingexpert.com/....php?t=5039601
    Unless your situation is different the advice there also applies to you.
    The chances of them actually being able to do what they are suggesting are very slim indeed.
    You could also keep an eye on a similar threads on CAG. There are a number of people there who have received this threat-o-gram.
  • Yes, follow the other thread. In your case you don't sound as if you knew you had this ccj.
    So if they have given you the ccj number and the court used, check with that court to confirm the details as the credit reference agencies and registry trust will have no details on a ccj that old.
  • Thanks for pointing me in that direction. I looked before posting, but somehow missed that thread.
    I am going to get advice from National Debt Helpline, but I feel a bit less stressed already from what you have said about the chances of enforcement being slim.
    You are right, I was not aware of the CCJ. I couldn't get credit for a period of 5 years or so around this period. I knew I had debts, but I didn't look into the reason why for the fear of what I might find.
    I'll post what advice I've been given on here, in case it's helpful to others in the same situation.
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