Well you did concern me tagal....but hardly your fault you got the judge from hell! Sorry to hear that you had such a bad time of it. My DMP people, CCCS, are telling me a similar thing, that the DCA is only threatning and IF it did go to court it wouldn't be awarded...maybe they should have said UNLIKELY to be awarded.... Can I ask, from your experience, and having since found this site, is there anything you would have done differently or brought to the Judges attention?

My DMP is self administered at present but going to be administered by CCCS in new-year. Tagals post concerened me as he sounded to be in a similar situation as I am in now, when the DCA got awarded a CO due, to what sounds like, a unreasonable forthwith judgement.

Make them aktiv...I haven't got any CCJs (yet). In a DMP with CCCS. I'm just a little surprised that someone on a DMP can suddenly be taken to court by a DC and ordered by the court to make a full payment immediately, or by a given (presumably short) date...and when they obviously default get a CO for their trouble. I thought DMPs proved that you are paying as much as you can (if you're not lying to them) and a court with a sensible judge (well there's always hope) would throw the DCs case out.

tagal - If you completed a budget and made regular payments through Payplan, I'm shocked DLC went straight with the forthwith judgement. I've just spoken to CCSL today and they told me they were probably just scare-mongering me....but maybe they're not. Can you explain a bit more how DLC went about it with you?

Thank-you very much indeed rory32. I don't think there was much if any fees on these two, but my others - I think so. I will issue ALL my DCA's with CCA's, and look into the reclaiming of fees....if I send special delivery at this time of year does the response time still apply?

Although having said that what's the worst that could happen....After all they have tried to pressure me into paying more than I could reasonable afford, and 'threatened' me without explaining their precise course of action.

Wellll no. I'm new to this site and CCA requests...what would be the benefit be at this stage? I don't want to antagonize them...I *am* willing to pay them a sum that I can reasonably afford.

Both loans in this case, although as I have said nearly all the rest are credit cards, and 1 overdraft.

Firstly thanks for putting my mind at rest. A CO doesn't scare me as much as the fees and interest that would accrue. A sub £1000 debt growing greatly in size is not nice. Both (DLC & 1st Credit) companies have taken over my default on (HFC and First National) loans in this case. Thanks.

Hi, I fell into money problems 5 years back and about 4 years ago when I got the default notices off my (mainly) credit card companies. I contacted CCCS and got the advice/help I needed. I have been paying them as agreed, without fail, and none of them have yet taken me to court for CCJs etc. This week I have been informed one debt has been passed (sold) on to DLC (Direct Legal Collections) and to contact them. When I did they insisted that I increase the monthly repayment by 300% (at first it was 600%) or they WILL place a charging order on my property. The next day I got a call off 1st Credit asking for a 1000% increase in montly repayments else the same thing. Has the law changed of recent? I thought I:- a) Had to have a CCJ raised against me. b) Be in arrears with the CCJ before this could happen? I have seen on the CAB website Tribunals, Courts and Enforcement Bill (Charging Orders) that there are plans, but can't find out if the amendment has happened. Are these 'threats' to get me to either pay a lump sum, or the new higher amount, or can they do what they are telling me? Thanks.