Ccj

[juicylucy87]

Anyone who had a CCJ help please? Not sure what to do. Just had through post

What should do next? Tar

is the letter from the court that issued it? if so you will need to fill in the form that would have been sent with it. you can detail your incoming and outgoing on there and give them an affordable repayment.
if it is from the company then that will be a notice rather than an actual ccj. this should mean that you can still set up an arrangement with the company before it gets that far.

if the ccj has gone ahead you have 4 weeks from the date of issue to pay it off and it won't show up as a ccj on your credit file

It's an actual court one. Thank you so much for this info. Do I have to tell them all I earn and will they check? Also can I ring the debt company or is that pointless now

Did you receive initial correspondence from the court allowing you to admit/defend etc; what we used to call a County Court Summons?

A CCJ shouldn't come out of the blue but sometimes they do if, for example, correspondence has gone to the wrong address.

Do you already have a CCJ or have you just received the paperwork and still have time to submit a defence?

Do you agree you owe the money? I'm assuming you didn't receive the claim form given the CCJ seems to be a surprise.

If you agree you owe it - pay the creditor the full amount of the CCJ within a month and then fill out a form requesting a certificate of cancellation. I think the filing fee is around £14 and it means the entry on the register of judgments will be cancelled (and so will be removed from your credit file).

If you don't agree you owe it then you could apply to have the CCJ 'set aside' which means cancelled effectively. You have to complete form n244 and there is something like a £303 filing fee. You should ask the court to grant an interim stay of enforcement pending the outcome of your application otherwise the creditor could get a warrant or writ and baillifs will attend. The court rules dealing with set aside is civil procedure rule 13.

The fee is indeed £303 but if you're on a low income or in receipt of certain benefits you may be able to get help with that fee. Have a look here.

Hey guys

I have received the form and it's a piece of paper that says CCJ? Can I disagree I don't owe it because I do? Also I cannot afford to pay it right now

More information needed.

You dont just get a CCJ through the post without knowing about it. There would have been letters & demands way before this.

Big how would I know about it it just comes? Didn't expect but I'm now in the position so asking people for advice please

If you do owe the debt but can't afford to pay I suggest you call the creditor (Claimant on the CCJ) and ask to agree a payment plan. The only downside with doing that is you won't be able to get it cancelled like you can if you pay the full CCJ within one month which means it will stay on your credit file for six years.

What is it for ? Is it yours ?

What I meant in my earlier post is that you must know about this debt & how it came about. Companies dont just contact you saying they are taking you to court.

So, once again, what is the debt for, why is it outstanding & what have you done beforehand to address it.

How much is it for? I strongly suggest you beg and borrow to pay if it is at all possible so you can pay and set it aside in your months grace. Having a CCJ on file will heavily impact you in lots of ways for 6 years after. That's any kind of financing and also things like insurance. Those that don't decline you for having the CCJ will charge more because of it, it's really not a good thing to let linger.

Pay it or declare bankruptcy.

If you dispute it call the issuing court. There would be a hearing before it was issued, think about how you may have missed that letter.

Is it for a parking ticket?

Sometimes the early stuff goes to the wrong address.

This is particularly so with parking and other motoring transgressions dealt with by civil enforcement. If the address on your V5 isn't where you live the papers still go there. If it's your Mum's she'll probably pass it on. If it's a block of flats with a transient population it'll just sit there.

When the council or landowner instruct enforcement agents they'll put some effort into tracing their creditor; the bailiffs contact you and then turn up and clamp your car.

Seen it dozens of times.

I don't disagree.

That exact same thing happened to me. Moved & didn't update DVLA. First thing I knew about a parking ticket was a letter from a debt collection agency. When I then chased things I found there was an error in the original issuing of the ticket and it was all wiped off.

Hence my questions to the OP. What is it for & does she know anything about it ? If the OP knows nothing about it they might be able to put it on hold until it they get some answers.

But OP is reticent to disclose anything.

Has anybody on this post had one or worked in the business with them? And know more info. Have no idea what to do or how to go about it

Get help from a debt advice charity or CAB. They deal with this stuff every day.

@juicylucy87 as above, get your paperwork together and go to Citizens Advice or other recognised advice charity.

Don't look at things like 'credit repair' - usually a scam and involves industrial scale dishonesty. Be very careful Googling for debt advice - a lot of charlatans out there.

I think you'll need to give more information on what you've actually received if you want specific help OP.

Is the document from the Court? What does it say?

Have you checked your Credit Report to see if the CCJ is showing?

Agree with the recommendation above to speak to your local CAB although the wait in our area is 6 weeks.

You could also try Step Change or Christians Against Poverty. Both give debt advice and don't charge.

I'll speak to them but will be too late by 6 weeks! I don't have the document with me right now I'm at work it's the first letter I've received from the court and it has a form to fill out with income and my details etc

I'm a litigator and deal with CCJs a lot. I've tried to give you some pointers but without knowing what specific information you want it's hard to give more.

If there is a form included for your income and expenditure it sounds like its a claim form not a CCJ - which comes later. If it is a claim form there should also be a defence form
If you admit you owe the money you need to complete the income and expenditure form and return it to the claimant (or their solicitor/agent). The instructions on the form will tell you who to return it to. Do this quickly. The claimant will then consider the information you have provided and either accept your offer or reject it. If they accept it you will be sent an order telling you to pay - you will then have a CCJ.
If they reject your offer a Court officer will decide how much is reasonable for you to pay each month and if either you or the claimant object to this amount a hearing will be arranged for you both to attend when a Judge will decide how much you should pay.

It's not too late to speak to the Creditor but it's unlikely that they will withdraw the proceedings.

They might but you also might find that it's too late for they by now. They must have tried to collect the debt from you already?

And yes if you do owe the money it's best if you fill in your income and outgoings.

Make sure you read the information that came properly before filling anything in and be aware of when it has to be returned by.