Hi All,

I have a CCJ on my credit file which is due to come off in a few months.

I am making monthly payments towards the debt which will remain unpaid once the CCJ is removed.

Just looking for information in regards to what the DCA or the courts can do if i stop making payments once 6 years has elapsed.

I still owe approx 2.5k which i cant clear anytime soon.

changes nothing.

why didn't you defend the claimform?

Just to clarify,

approx 1k of the debt is made up bank charges and court fees because a couple of times i was late by 2 weeks on payments

so the dca decided to take me back to court for non payment.

I intend to pay exactly what i owe which is approx 1.5k

When the papers were orginally served i didnt receive them,

i only found out when i got the judgement papers,

i didnt do anything at the time.

Changes nothing,

so there is nothing they can do if i stop making payments?

no there is nothing you can do, it changed nothing..

you seem to have had a few court appearances regarding this CCJ.

so tell us the full story with dates and names

then we might be able to help you lessen the burden.

but if the judge set a £XXPCM amount, then regardless to if the debt comprises of unlawful charges, there is little or nowt now you can do to change paying the fleecing dca what he orderd, the time for that was when the claimform was issued.

The claim was for a bank account with llyods tsb which had an overdraft facility.

I was a student at the time and did not pay the overdraft.

I was given a default at first by Lloyds,

the debt was sold

just before the 6 years elapsed for the default i was hit with the ccj.

The ccj papers were issued approx feb 2013 from what i was told by the courts and ccj granted in march 2013.

I make payments to restons solicitors, the courts initially set the repayments amounts.

I contacted the courts filled in a form and reduced the repayments to what i could afford.

I cant remember the dates when i was taken back to court for non payments but last year i made all payments on time.

I didnt have the knowledge at the time otherwise i would have done something about the ccj when i first became aware of it.

thread tittle updated.

so you sent in an N245 variation order and that was agreed.

and you've paid since...good. [or not..you got fleeced but little you can do now]

I will guess you didn't update your creditors of your address change and the CCJ was attained by the backdoor by the claimant with restons as the wolves.

No address change, papers were sent to my current address at the time but i honestly did not get them, i only recieved the judgement order papers.

N245 for was completed on 3 ocassions for missed payments.

So the ccj falls off my credit in march, if i stop making payments the claimant can take me back to court to apply the ccj again or for non payment?

no -

send bailiffs

make a attachment to earnings order etc etc

you cant stop unless you challenge the org CCJ,

why did you not receive the numerous letters and the claimform from northants bulk??

almost 6yrs later is TOO late too try and reverse things...

sorry..

Well i guess i will just carry on the way i am making monthly payments.