to wonder why bailiffs are not collecting their monies?

[clockoftheheart1976]

Ok. I am going to sound evil here.
A friend of mine has been horribly abused by her partner in many forms. We have found out that he had applied for credit cards in her name and spent on them. We ran a report online and discovered that he has £25k worth of CCJ's.
He is involved in some dodgy stuff and recently bought a new car in cash, he has recently moved in with another woman.
I want to understand why bailiffs are not coming and taking his car to pay off his creditors. Is there anyone we can let know about his new asset they could seize? Or do people just get CCJ's and never pay them back? If so, I think I will start doing the same.

maybe the bailiffs dont know where he is living. he probably isnt on electoral role there or other things that show up on searches

It takes quite a while for these things to filter through although if he paid by cash it might not be traceable

How do you know that your friends ex husband paid for his car using cash? I;d never know that about any of my friends, or their current or ex partners.

Trust me, this has been a nightmare and we found it out by chance but I can't go into the details. I wouldn't usually know this sort of things about people. Is there anywhere you can go to report that someone has assets so that they can be seized? I really wouldn't normally ask this but he is an absolute b**tard.

If they’re in her name, would they not be trying to collect from her? Hopefully she’s gone to the police about it.

How's about you mind your own business.

The debts are in her name. He took them out as he couldn't get credit in his name due to the CCJ's. He has then used cash to purchased a second hand car but it is still several thousands.This is all about revenge and I am not afraid to say it.

How about not? Trust me if you knew the horrors of this story you would not say this.

@Bellsandthistle That didn't make sense. He took out credit in her name as he already had CCJ's of £25k meaning he couldn't obtain credit. She did not know she had this debt until we ran of an Experian report. So he has £25k CCJ's and she has £6k of debt that he built up in her name.

It is for those who took out the CCJs to get them enforced.

How do you know that they aren't doing so?

I agree with the poster who suggested you mind your own business.

Nope. You don't know the whole story. So no, will not be minding my own business.

I would think the new car would be in the new woman's name if he has bailiffs after him?

The initial stage is debt collection...you could find out who holds the debts and tip them off..then it moves to county court and finally high court to get the writ to seize goods...it takes time to reach those stages.

The CCJ may be paid in instalments. If he's making those payments, there is no need to enforce it.

Begin in the beginning.

The ex took out loans in your friends name

has it now been established by the lenders that she didnt apply for them and the creditors are now chasing him for the money instead?

If that is the case what about The Police? They might prosecute for fraud which he would not be able to escape from.

If the debts are in your friend’s name then they will be pursuing your friend for the money. Although if she explains she is a victim of abuse there are protections available.

she has £6k of debt that he built up in her name.

Did she sign the loans?
Or did he do this fraudulently eg faking her signature and she can prove coercion?

The ccj in his name are nothing to do with you or her friend

And if he is involved in dodgy stuff just stay away
It won't end well

Report anything dodgy to police is all you can do

If the debt is in her name not his then Bailiffs would have no right to seize assets only hers.

She should go to the police if he fraudulently took loans in her name.

This is how county court judgments can be enforced if the debtor (friend's partner, I presume/hope) doesn't pay up. The creditor who obtained the CCJ is the one who has to take action, and apply to the court. https://www.gov.uk/make-court-claim-for-money/enforce-a-judgment

You say this man took out credit cards in your friend's name. She should report this to the police, if she hasn't already.

She could also inform the county court of the man's current address, as it's possible the creditors don't know it since he's moved.

Your friend needs to go to the police, this is fraud. I'm not sure why she hasn't done so already. I hope he gets done for it. Hopefully you get it sorted.

Really confused now.

He ALREADY had £25K in CCJs, couldn't get a loan, used her name and borrowed £6K? - did she KNOW he did this, or only just discovered? Has she now reported this fraud to the police?

And if he was using her name for the loans, surely she would have received letters from the loan company?

Edited to add: and is there a CCJ in HER name?

She has to report this fraud to the police.

Then I'm guessing the credit card company the car was bought with will get involved and they will look to re over the money by sending the bailiffs. Or the car will be taken by the police.

Either way the police need involved. This guy is bad news.

You'll bump up against GDPR. However, when I had Bailiffs knock on my door trying to track down my ex last year, I did give them his last known (to me) address. They couldn't confirm or deny whether they were aware of this location, but did thank me for taking the time to talk to them.

Also, your friend needs to check all the credit agencies, contact them and get a flag put on her files with them. When we first separated, I could see that my (now ex) husband was trying to get credit using my name. There were searches on my file with the incorrect date for my birthday (twat never did get it right). She can also check that all financial ties are severed on the records. She should report the fraud if she hasn't already done so.