CCJ advice

[PipIsOutNow]

Bit of a long story but basically been issued with a CCJ (I have no other debts and have never had other debts) for £7000 that I owe to mini after I voluntarily surrendered my vehicle when I could no longer afford payments. I paid for over half the car plus they sold the car at auction for £6500 do they have the value of the car and more back they're now chasing me for interest.

Anyway I've now been issued with an order to attend court to show how much I earn etc and if I don't go I can be arrested and go to prison!

What I'm wondering is if it's worth contacting the creditors to try and arrange installments payments? And if the court, when looking at my income, take into account any tax credits or child benefit? I'm a single mum with no assets who works 17 hours a week. I also have another baby on the way.

I've buried my head in the sand a bit but realise it needs sorting out just don't know whether to wait until the court date or try and sort it out with the creditor directly? And what installments they'd be expecting to be a reasonable amount to pay that I can afford.

Thanks in advance x

[Missmuffet28]

Ring national debt line they are bloody fantastic will talk you through everything they don't care when you say you don't understand they just explain until you do they send you out written stuff and keep it logged so when you get to the next stage and need help you can just go from there from personal experience I'd definitely recommend them

[Pinkmumma]

Hi Pip the CCCS are also brilliant, they are a free charity and will explain your options in a clear way and answer any questions no matter how small.

[PipIsOutNow]

Thanks both I've contacted both numbers and they just said I need to turn up to court and go from there which I already knew really. I'm getting myself into such a state over it and I'm supposed to be trying to keep my bp down - I'm 22 weeks preg!!!

Got to wait until November for the hearing so il just go and drive myself insane until then and hope that it's not gonna end too badly!

[Pinkmumma]

Not got anything to say to make you feel better! But didn't want to read and run. Thinking of you

[Missmuffet28]

Just make sure you have everything to hand when u go budget sheets etc i guess, unfortunately I can't tell you what's going to happen as my dp didn't turn up to his and the obviously just got the ccj, then the bailiffs came a knocking, but as long as you offer what you can reasonably afford they can't refuse it and if they do I think the court frowns upon that, how come you owe so much tho if they got back what was owed? Are they taking the mick? Seems a bit unfair if so well I will have my fingers crossed it goes in your favour I know how distressing all this is xx

[PipIsOutNow]

It is unfair. It's all interest and charges for recovery of vehicle and defaulting in payments towards the end. Plus obviously the court charges. It's ridiculous. I've calmed down a lot now I was in a right state earlier! I'm always such a good person and have no other debts at all but this is a massive blight on my record now! I'm ok though and thank you for such lovely and helpful replies xxx

[izzyizin]

Was judgement against you in this matter obtained in the County Courts? If so, did you receive notification of the date the case would be heard and was there any reason why you didn't attend?