Thread: CCJ Claim

Unless you defend the claim, even if you agree a repayment plan, the sols. are likely to go for a CCJ anyway. The only way you would escape is if you paid in full within 28 days of the CCJ being issued.

Can you say:
1. when the claim was issued?
2. what is it for? eg. credit card, loan, other
3. have you acknowledged service of the claim to the court?
4. are you sure the debt cannot be disputed?

Originally Posted by Jamesx81x

Hi

I received a CCJ claim from from Northampton CCBC on behalf of Geoffry Leaver Solicitors.

I emailed GL informing them that due to the nature of my job i undergo security clearance where a financial check is carried out and to receive a CCJ would have a detrimental effect on future clearances and could lead to my dis-missal. I also informed them i would pay the costs incurred from the claim.

Even after explaining this they didnt seem to care it could result in the loss of my job so i am now wondering what options i am left with?

Could i include my situation in the claim form detailing i do not dispute the debt but what outcome the CCJ could lead to?

As it is at the claim stage i cant see why they cant stop it and set up a payment plan its not as if i have already been on with them and failed it.

Any help will be appreciated.

James

I think it was a mistake for you to reveal this to the claimants. It is simply expose weaknesses and make them even more unlikely to negotiate or to reach any compromise with you.

That is claim have anything to do with the other matters which are mentioned on other threads?

Sorry James, I don't see a way around the CCJ now the claim has been issued. Throwing yourself on the mercy of sols. is like throwing yourself to the lions - they'll just gobble you up.

However to ease your cash flow you can ask the court if you can repay in instalments if you can't afford to pay the full amount as a lump sum.

The courts apply the law not sentimentality.

If you went down that route it would be an inequitable system of justice where the rich man was responsible in law for his debts but the poor man wasn't. Would you use the same argument if a murder had been committed?!!