Ginni1062
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Everything posted by Ginni1062
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Evening guys, I’ve been speaking to my accountant today about things and mentioned all this to him. He can’t believe that I have been found guilty for this etc etc. He seems to think that he has a solicitor that could appeal this case and potentially get my CCJ and the found guilty removed? Is appealing an option at this stage? He has obviously said that I need to get all my paper work together fast (which I have stored thanks to you guys) as the first payment is due 4th May. He also said that it would cost me max around £2k which I don’t mind paying it all this could be over turned, it’s just can this case now be appealed and over turned if I hired the correct solicitor etc? TIA. Ginni
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Ok maybe I could go back to revisit the payment as my bills have now had a letter saying our energy bills have doubled since putting this notice in, plus CT has gone up so really I need to re asses this and just pay it. Yes the CCJ has already registered on my file which I still find bizarre as I thought I were in court to see if I actually owed the money as nobody were 100% sure I had actually entered an agreement. Its not as if I knew I entered an agreement and that I haven’t been paying it such as a loan or a CC etc etc.
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Hi yea exactly I think it didn’t do me any good and they have took CLI side as I wasn’t they to defend myself properly. if I have £250 spare a month and I pay them £150 that leaves me with £25 a week I suppose I put all my essential bills on the n245 form but I feel leaving somebody with £25 a week is harsh. I suggested £50 on the form and they have come back with £150 I have a car on the drive but it’s on finance so I don’t actually own the car. Also, everything in the house potentially belongs to my wife and 3 kids. What can they actually take my TV, Clothes? It’s not worth taking
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Hi guys, After submitting the N245 which shows I have around £250 spare each month after all my outgoings etc I suggested I could afford £30 a month. The court has responded with £150 a month which I find unacceptable as it leaves me with £100 a month to my name. I feel like I took this to court to see if I had actually entered an agreement and see I actually owed the money and now I have been slapped with a CCJ as if I have refused to pay money that I never thought I even owed. Now they have agreed in court that I owe it I’m willing to pay it back so why a CCJ for something I never knew I even owed? Now they are slapping me with a big monthly payment that is going to leave me with no money each month. What are my options here? I feel like what is the point in even paying the money as my credit file is screwed so what’s the worst can happen now if I just said I can’t afford to pay at all? I feel if the CCJ were removed then it would be worth paying back to keep a clean credit file for the future but what is the point in paying for something for the next 5-6 years when my my credit file is already screwed I might aswell not pay it at all as it can’t get any worst can it? TIA Ginni
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Is there any way I can get this CCJ removed from my credit as I am actually paying this debt and it’s not as if I have refused to pay it. I were under the impression it just went to court and if I were found guilty then i paid it back which I’ve offered to do, but now to offer pay it back and ruin my credit file with a CCJ on it has just screwed me right up.
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