CCJ's

[ldticp]

Hi there quick question for those who know stuff about debt ect

Whats the process with regards to a company filing for a CCJ against someone? I mean does there need to be a certain number of missed payments? Is there a legal requirement to first send a letter of default?

The reason I ask is that 5 years ago a company sent an account I had for £9600 to northampton county court to be filed as a CCJ, this was based on me missing 2 payments which I would have been happy to pay but didn`t realised I'd missed them since the letters went to my previous address. I immediately contacted the company and offered the 2 payments but their reponse was pay the entire balance of fill in the CCJ form. Of course I didn`t have £9600 so had to take a CCJ.

Is this normal? do I have any recourse on this situation?

[ian cognito]

A CCJ (County Court Judgement) is issued when you are taken to court for a debt. It will stay on your credit record for 6 years and there is no time limit in which they have to collect the debt.

THere would have been some correspondence before the court date and you will have had the opportunity to attend the hearing and to come to some agreement for the payment.

The CCJ will be off you report in 12 months if it already 5 years old. Wouldn't have thought there would be much you can do about it at this stage but I'm willing to be proved wrong!

[ldticp]

I was given the chance to offer payment on the CCJ ect, but really what I want to find out is was I treated fairly and is there anyway of taking action if I wasn`t. I wasn`t given any option to pay before being given a CCJ other than to pay the entire amount immediately

[i_spam]

also there is a time limit on how long you have to actually appeal or complain against this which is i think 2 years (not sure) pm one of the moderators or site helpers. if you goto the main page of the forum down at the bottom you will see pink and green names these are the moderators and site helpers. also acouple of administrators are about as well.