Hi,

Any help much appreciated. Took out a payday loan with safeloans sometime in 2012, can't remember the amount, now they want 675 back even though i borrowed less than 300 thats for sure.

They kept contacting me and i basically just ignorec them, was jobless and couldn't be bothered with the hassle which was obviously stupid.

Now i'm in a position where i am working and can afford to repay my debts, so i am just asking is there anything i can do to at least fight the CCJ now? If i can't fight it then i will just have to accept it.

Any advice please? Maybe there is something i can use against them?

Thanks

If theres a CCJ on file and it was sent to the address, and you ignored it, then theres not much that can be done. You could ask for a variation order so you cna pay according to your means, but if it was entered correctly, its there to stay.

Thanks for the help, so will my credit report better if i pay and settle the CCJ in full or will it not make any difference?

You can get a certificate of satisfaction when its fully paid. It wont be much better than a normal CCJ but it will be slightly better.

I've read a lot of info on safeloans and how they harrassed customers etc, put on stupid interest, and there is still absolutely nothing that could work in my favour?

Can safeloans remove the ccj if they had a good reason to do so?

If i have to accept it then i obviously have to but even if there is something small i could try then i will try it.

Thanks for the help.

Nope. If you ignored the CCJ and it was sent and delivered correctly, then you have already had you chance to defend the action. Ignorance or putting your head in the sand is not a valid defence.

So really they could have just said i owed them £5,000 then? And i would still be in no place to fight that?

Course there would. When you recieved the initial claim form.

Whats the chances i can get a partial settlement or doesnt that work at allmwith CCJs? If i cant get a discount i may as well not bother paying it at all i guess?

You could certainly ask the creditor or their sols and see what they say. But with a PDL, i wouldnt count on it, unless they knew it was full of charges.

Can i ask if they are chasing you regarding the CCJ, or are you simply worried they might?

It was full of charges so i will get in contact.

The last letter they sent me was i believe january 2014 so they have chased it recently.

I just want to pay it so it is paid and my creditmisnt as bad.

If the CCJ is on your file and you pay it, you can get it marked as satisfied, but it will still remain there.