CCJ Notice

demonbiker · 7th March 2007, 21:30

Ive just been sent a ccj form from S C M . Filled it in with some information-yes i do owe the money and gave a copy of income /expenditure and wrote a story to the effect that LLoyds gave me bad advice by telling me to let my accounts go to arrrears before they could help me out ( i approached them before i got into this situation for help!

) and when i did they set the dogs on me!!

Anyway,
now i have a letter from SCM syaing they have requested the judgement be entered - will the court decide on what i have to pay even if its obvious i have no spare money and have cut back on everything?
LLoyds have an agreement with my wife to pay £1 pm temp, i have another account also defaulted and have offered £1 pm temp, but have heard nothing from them- i sent £1 back with offer letter, what will happen if they tell me to pay an amount i cant pay? can they make you bancrupt or sell your house for the debt?? if house joint owned can they make you sell?? can i appeal against it ?
can i go to the judgement and give my side??

Thanks.

diskmandave · 8th March 2007, 02:28

bump!

lookinforinfo · 8th March 2007, 02:42

It is better for you if you can attend. When there, the Court will probably ask you to fill out an income and expenditure form if they haven't already received one from you.
Once in front of the Judge, explain your position, and how the bank basically made things worse for you with their advice. I suppose your debt does not
include any unlawful charges? If it does, and the charges are a substantial
part of the debt, you might not get the CCJ applied.

demonbiker · 8th March 2007, 21:16

Bloody hell !!

Got my CCJ through this morning - that was quick!

never got the option to attend court.

Court has ordered me to pay £1 pm until debt is paid

, its what i offered in the first place as a temp measure till i could sort things out, now they can have £1pm for as long as it takes to clear £8000 !! Only downside is i now have a CCJ

Monday i will be sending the claim back charges letters to the bank , can i send 2 accounts but only pay 1 lot of £10 or £10 per account?

mistie · 8th March 2007, 21:25

one £10 but make sure you put both account numbers on the letter.

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