Hi, I've given up trying to scan the letter so instead I'll type what it says below instead!
URGENT - Date 14 February 2020
Our Client : Dartford and Gravesham NHS Trust
Claim Number: **********
Judgement Date : 24/06/2016
Judgement Debt : £11k
We write further to the CCJ awarded against you on the 24th of June 2016 for sum of £11k
Under the terms of the Judgment, you are required to make payment of the full amount forthwith.
What is going to happen now?
Please note that details of Judgments are entered in a public register, the Register of Judgments, Orders and Fines. Details of this Judgment will be made available to credit reference agencies, who will supply them to credit grantors and others seeking information on your financial standing.
This is likely to make it difficult for you to get credit or obtain other services.
How does a CCJ affect your Credit Rating?
If you don't pay the amount owed, it will appear as a negative factor on your credit report and this will therefore lower your overall credit score. This means it will be hard to obtain quality credit after the record has been made and rebuilding your credit rating in the future will be harder for you.
If you are able to pay the full amount within one month from the date the Judgment was entered, you can ask the court to "cancel" the entry on the register by supplying proof of payment.
After this one month period, the Judgment will remain on your credit file for 6 years, however upon payment of the amount, you can ask the Court for Judgment to reflect being "satisfied", and request a certificate of Satisfaction which may make it easier for you to obtain credit.
What happen if you don't pay the CCJ?
If we or the client do not receive payment or a payment proposal from you, we will have no alternative but to recommend that our client takes further collection activity against you. This may include applying for warrant of execution or control, with a view to instructing the County Court Bailiff or a High Court enforcement agency to enforce the terms of the Judgment, which may substantially increase your liablility for costs.
How do you pay your CCJ?
If a payment by credit or debit card is your preferred method of payment, please call us on xxxxx and we will be happy to process it for you. If you are unable to pay in full, please call us on xxxxx and we will assist in arranging a mutually agreeable payment plan. All payment options can be found on the reverse of this letter.
If you cannot afford to pay due to financial difficulties and problems with debts, you should seek financial advice. We strongly advise that you ensure your Debt Advisor is fully regulated and authorised by the Financial Conduct Authority.
What do you need to do now?
You need to contact us to discuss your payment options by the 24th of February 2020.
We trust that further action will not be necessary and look forward to your immediate response.
CCI Credit Management Ltd