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    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.   IMG_1475.pdf IMG_1476.pdf IMG_1477.pdf
    • Please will you upload your documents in PDF format in future. It is unhelpful to have them in word format and also word documents will carry personal details relating to you and your computer.
    • Thanks for letting us know that you had a conversation with someone – I sort of imagined that you might tell us what the conversation was – who said what to whom…
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Could someone explain CCJ process to me?


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Hi there,

 

I have never had a CCJ, but been reading about them on the forum.

 

I'm a bit confused, my understanding was (wrongly I now think), that if you are taken to court for non-payment of say £2,000 that the judge will put a CCJ against you for £2k, and that this stays on your credit record for 6 years ... when it then "falls off". (unless of course you pay it off in the meantime).

 

But I've been reading that the Judge will actually assess what you can afford to pay each month, put an order on you for that amount, and then you are duty bound to pay each month. If you don't you can have your home taken off you (for example).

 

So my question is, if the Judge says you have to pay say £20 per month, is this only for a period of 6 years from the judgement (i.e until the CCJ "falls off" the book), or how does this work ... I'm confused ...:confused: ?

 

Thanks in advance for any advice on this.....

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A judge will order you to pay what you can afford based upong your income and expenditure that you submit to the court. Basically you submit an offer and he agrees to it. You then pay this amount monthly until you have paid the balance. The CCJ is registered with the registry trust and at the CRA's. If you pay in full within 28 days it will not show on your credit file. If you pay monthly or in full after the 28 days then it will show on your credit file until 6 years after it was registered. You will still carry on paying if there is any balance owing.

Regards losing your home - you are proabably thinking of a charging order, which the creditor can apply for if you default on the CCJ. This doesnt mean they can automatically take your home, it just means they are a secured creditor and will be near the top of the line for payment if the house is sold.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Thanks for your reply, its made things much clearer for me ...

 

So the CCJ will always last for 6 yrs ...

If you are in a payment order, and because of the amount you owe and are paying, you may still be paying your debt off for a period of more than 6 yrs - then the CCJ still falls off after 6 yrs, but you continue paying your order as normal.

 

I suppose if you stop at that point, the whole process will start again.

 

Hope I've understood correctly ...

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Are they allowed to take a spouse's income into account when assessing your ability to pay?

 

Only in so much as they will expect 50% of costs to be paid by spouse.... or a contribution to household expenses at least.

Consumer Health Forums - where you can discuss any health or relationship matters.

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It's just that I might be getting accj from a company I used to have a franchise with.

 

I was ill and unable to carry on doing that job. I had sale orders for about £6000 which, unbeknown to me, they passed on to other sales people. They also terminated my sales contract without following their procedures.

On the basis that they owed me more than I owed them in completed orders (Customers paid me in cash) i told them to call it quits.

 

They are now taking me to court. Very tricky to defend and prove (they are a large company that coincedentally now has a sales staff turnover of some 45% p.a).

 

If they succeed in getting a judgement, I will not be able to pay the £1500 as I am still without work. My wife pays all the bills at home - mortgage, food, council tax, the lot, bless her.

 

She has a good job, but can they take her income into account as she already supports me?

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