What Does County Courts Act 1984 Section 69 Say About Your Rights

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What Does County Courts Act 1984 Section 69 Say About Your Rights

If you're drowning in debt, you can expect to receive non-stop phone calls from relentless debt collection companies trying to collect. This can be a very stressful and frustrating situation. Debt collection companies often will harass consumers in order to get them to pay their debt. Your situation can become worse (and embarrassing) when they're calling you constantly at home and even worse, at work. If you're being harassed by debt collectors, there is a way to regain control over your situation.

It’s important that you have an understanding of the . The County Court is part of the England and Wales court system. Section 69 county courts act establishes a number of rules that relate to this particular inferior court.

It's essential that you know your rights when it comes to debt collection. With the help of DoNotPay, you can get your situation under control and protect yourself from these frustrating debt collection practices.

What is Section 69 of the County Courts Act 1984?

The is an Act that is used for regulating how county court proceedings are held in the UK. This includes debt-related matters. It originated in 1984, however, it's been amended and updated over time.

The law, in Section 69, states claimants may ask for debtors to pay interest on money they never repaid. So, what this means is when debtors are being asked by a judge to repay their debt, the court may also make another judgment that asks the debtors to pay interest on their owed debt as per the request of the claimants.

How Long Can Debt Collectors Collect Debt From Me?

The Limitations Act 1980 states that debt collectors can only try to collect debt for no more than six years, meaning they are mandated by law to stop harassing you after this time period has passed as long as you've not made any payments in this time period or have acknowledged that it's a legitimate debt.

Chances are, that you likely aren't looking forward to six years of harassing phone calls about any debt that you owe. There are ways you can dispute a debt that you don't believe is accurate to help you eliminate the debt collector without having to pay much sooner.

How to Get Debt Payment Assistance

One way to get a handle on your debts is through Debt Relief Orders (DROs) if you do not owe more than £30,000, don't own your home, and don't have very much extra income.

If you obtain a DRO:

  • Your creditors are not allowed to recover any money from you without the permission of the courts.
  • You're typically 'discharged' (freed) from your debt after 12 months.
How to Get a Debt Relief OrderYou obtain a Debt Relief Order from a bankruptcy court officer — the official receiver. However, you'll have to go through an authorized debt adviser to apply. They'll assist you with filling out the paperwork.

A DRO is a way of getting a handle on your debts if you don't have the funds to pay them. It means you won't have to pay specific types of debt for a certain time period (typically 12 months). Once the DRO period is over, the debts included in the DRO will be 'discharged' (written off) and you will not be obligated to pay them.

Still, you'll have to restart paying any debts obtained through fraud once the DRO is over.

If your situation changes where you're able to pay all or some of the debt you owe, your Debt Relief Order could be revoked so you can make arrangements to pay the creditors (the companies or individuals you owe money to).

How to Qualify for a DROTo qualify for a DRO, you need to meet the following criteria:
  • You do not owe more than £30,000
  • You've worked or lived in Wales or England in the last three years
  • You have less than £75 a month for spending after you pay taxes, normal household expenses, and national insurance
  • You haven't had a DRO in the previous six years
  • Your assets are not worth more than £2,000 altogether
  • You won't qualify if you're involved in any type of formal insolvency process, like bankruptcy proceedings. But, if a creditor has requested that the court make you bankrupt, you can ask permission from the creditor to instead apply for a DRO.

What Happens if I Don’t Pay My Debt to a Collection Company?

If you don't pay a debt collection company, unless the debt collection company owns the debt, they'll send the matter back to the initial creditor. If the debt collection company owns the debt, then they might refer the matter to another agency. Frequently, the initial creditor or debt collection company will sue you.

Get Debt Help With DoNotPay

Whether debt collection companies are following c or not, you still shouldn't have to deal with harassing calls for the next six years. DoNotPay can step in and help you determine if they're compliant with laws regarding debt collection. DoNotPay will guide you through a series of questions and help you figure out the action plan you'll want to take. Then they'll contact the debt collection companies on your behalf and provide them with a demand letter. If you decide to report the debt collection company to a governing body instead, DoNotPay will also help you with this as well by filing this complaint on your behalf.

Here's how to get the process started:

  1. Search "debt collection" on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the relevant trade association or ombudsman.

Other Ways DoNotPay Can Help With Debt

DoNotPay helps with debt in various other ways as well, including:

What Else Can DoNotPay do?

DoNotPay doesn't just solve debt collection issues. There are a number of other services that DoNotPay provides, including:

Don't try to take on debt collectors and the by yourself. Let DoNotPay help.

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