Yes, I did mean claimant - don't think it matters who the original creditor was, the debt has been sold on several times before it was taken to court. It was a credit card debt as I said at the beginning.

A quick update..... .....sent the N244 to the court requesting redetermination. In the meantime I received a letter from the creditor today saying they had reviewed my circumstances and realise it may not be possible for me to pay what they requested.........you don't say!! Really!!! They knew that right from the start but it still didn't stop them insisting on a payment 15 times what I had told them I could afford. They now want to set up an instalment arrangement to run alongside the court judgement? Think I should just leave it to the court as the N244 has been sent and they obviously knew I could not pay the amount they requested. Thanks for your help.

Thanks so much Andyorch - will complete that and send it registered in the morning. Do I need to send more than one copy?

Thank you for the advice.. ..was just in a panic with being given different advice. I have downloaded the N244. Could you please advise on what I should put on the form.. ...it asks for what type of order, draft order, who needs to be served with it, what sort of Judge needs to hear it etc . Have filled in the bits I can already . Thanks

Just a quick update... ..I have checked today to find out which form I definitely need to complete. The clerk said if the court already set the monthly payments when the judgement was entered it is the N245 that has to be completed if I am asking the court for a varied order not a redetermination. She did say that I could apply for a redetermination if I thought that process had not been followed correctly i.e that my income/expenses were not taken into account. Is that what you were meaning Andyorch? I also need to complete an EX160A which asks for the £50 fee to be waived either way. Thanks folks!

Thanks folks. Bit confused with one person saying to send an N245 and one saying N244... .which is the correct one please? I have looked at both... .as far as I can see the N245 is for variation of payments and the N244 is for a stay of judgement? Would appreciate knowing which is correct - and how I fill them in please. Grateful thanks

Thanks for all the replies...to answer them all: 1. Oldcogger - if I seriously had £50 I would use to pay for things other than a court fee but I don't have £50 to my name 2. dx100uk - I really wasn't aware that you could not admit to a debt....I would know that now for future reference - thanks 3. Oldcogger - the debt relates back to 2012 and was sold to Arrow/Restons 4. Andyorch - the CCJ was registered on the 8th June and I received the letter on the 12th June Thank you

Hi, I'm new to the forums but looking for some advice about a debt. I have an old credit card debt... .had tried to pay it off before but the company wouldn't agree payments. It has now gone to court.. ..I sent a budget statement with the court form and details of the benefits I receive with an offer of payment. The offer was turned down by the creditor and the debt now registered as a CCJ - the court have written saying I must pay monthly almost sixteen times what I offered per month - absolutely no way I can pay that. They have my budget statement - they have details of my benefits so I cannot understand why they have done this and don't know what to do now? Any advice greatly appreciated. Thank you