CCJ Help

[Anthony20]

Hello, i have a few debts but i have enrolled on the CCCS payment plan and all is going well. Today i received a CCJ from Safeloans claiming i must pay the claimant a total of £187.15 i did receive a claim form back in Aug i think and i did the stupid thing of ignoring it now i got this one today and it says Judgment for Claimant (Default) can anyone help me out here should i fill out a n245 and ex160 forms or has it gone to far now?

 

Thank you

[buzby]

No - it is far too late for this. You've been found liable automatically (because you did not respond), so the only options are to pay up BEFORE the CCJ is registered (it won't be if you settle within 21 days). Alternatively if you want to fight it, you can claim you were unaware of the action and pay for a set-aside, which will re-run the action.

[Anthony20]

Ok thanks own fault really but i can't even afford to pay a penny i'm going to ring court now see what is what.

 

Thanks

[sequenci]

You can make an application via the n245 to vary the terms of the judgment to allow you to pay instalments that are affordable, this could be as low as £1 per month.

[Anthony20]

Yes i just spoke to the court they are sending me a N245 form out and a ex160.

 

Thank you very much

[sequenci]

How much debt do you have in total?

[Anthony20]

£6700 ish i don't know correct figure. I have been looking into bankruptcy tho and being aged only 20 i think it would be a ok option for me to look into, but for the moment my payment plan is going well.

[sequenci]

Sounds like you're well researched. With the new changes to Income Payment Agreements (in bankruptcy) and the fact that the debt is relatively low I would imagine the DMP via CCCS is likely to be your best route at this stage. Once your debts are below £5k you could consider switching to an administration order:

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=09_administration_orders

 

But, it's up to you! CCCS do a fine job

[Anthony20]

Thank you very much for your advise. Yes they seem so nice and helpful. Once again thank you