chris mccauley

Registered with Property118.com
Monday 3rd February 2014


Latest Comments

Total Number of Property118 Comments: 7

chris mccauley

18:17 PM, 27th March 2015, About 7 years ago

CCJ obtained against tenant. Now need to trace him and get my money.

Reply to the comment left by "David Carter" at "27/03/2015 - 16:17":

Thanks David This particular case is almost settled now only £610 to go @£100pcm. It must have been when I applied for the eviction that I was advised that I could nt transfer up from county court.,i hope I am never put in that situation again, but thanks for clearing that one up for me.... Read More

chris mccauley

15:41 PM, 27th March 2015, About 7 years ago

CCJ obtained against tenant. Now need to trace him and get my money.

Hi David I had trouble when looking into whether I could transfer a case of £4000 rent owed to me(ccj obtained via the county court) up to the high court for sheriffs to try to recover,but I remember being told that county court judges rarely if ever transfer cases up to the high court could you clarify.... Read More

chris mccauley

15:08 PM, 26th March 2015, About 7 years ago

CCJ obtained against tenant. Now need to trace him and get my money.

Hi Kugan,
I was under the impression that all ccj,s were logged under experion or some such national log and that ccj,s expired after 6 years.?so i don t know how important this is to have registered. However as i said in my previous post,from my experience its virtually impossible to recover debts apart from via attachment to earnings enforcement by the court,

This person may well have an income,but if its casual,or self employed then its impossible to prove what they are earning as they are not being paid via a proper wages dept. I know how it feels o have been ripped off in this way,your only comfort is that you have your property back.which is why i attach so much importance to fighting any change in the current property recovery system section 21 or if you want to risk it section 8 both of which which are already biased against landlords.
P.S.The TV show about high court enforcement by high court bailiffs is a route that appears easy,but when i tried they said that the local county court judges would not usually allow cases to be sent up to the court. Perhaps this has now changed?... Read More

chris mccauley

11:23 AM, 26th March 2015, About 7 years ago

CCJ obtained against tenant. Now need to trace him and get my money.

I managed to eventually evict tenants who were not paying their rent. The council then very kindly gave them a nice council property nearby!,in fact I found out later on that they were not paying ANY of their household bills.These people were cute, by either putting ownership of valuables in the non working partners name and by the working partners car being on lease, it was tricky for me to find a way of recovering the nearly £4000 of back rent and costs owed. However I went to court and obtained a ccj for the amount owed against the working partner.She has a good professional job in the NHS,and after getting a n attachment to earnings following more court visits ( which meant her taking time off work)payments of £100 pcm are being taken direct from her wages, the debt is now down to £610. My point really is that if your tenant(s) are not fully employed in a proper regular job.You have little chance of recovering any unpaid rent that might be owed.The court system is not really fit for purpose and very slow.I managed to get some sort of justice, but the money doesn't make up for the lost nights sleep. Its so very difficult to judge whether people move in with the intention of non payment,Sadly in my experience up till now its English people who give the most trouble,Eastern Europeans in my experience just work hard and pay their rent, without trying to hide behind laws which they now know is likely to protect them no matter what,, at least in the medium term. If the labour party win the election and bring in a guaranteed 3 year tenancy and/or abolish section 21 then God help us landlords.... Read More

chris mccauley

12:46 PM, 26th February 2014, About 8 years ago

Bank of Ireland increase differential on tracker rates

Much of what the F.O.S is asking you does not seem relevant to me.They have said themselves that the mortgage should track the base rate, its as simple as that!
.I suppose you have to play the game by sending back the form,but be careful as they may find something in your answers that they can throw back at you.
Why is it so very difficult to trust anyone these days?... Read More