CCJ - Credit Cards & Overdraft - Cabot

[el032810]

I would be ringing the Solicitor...not the court and just explain that payment will be late.

Right ok thanks I will call them first thing

What are my options here after I make the payment

[AndyOrch]

Well you state you have already submitted the N245 with I&E so I can only assume that you offered/ agreed the £50 pm payment.......is that the case?

[el032810]

I thought that was the decided amount & wasn't aware I could dispute this

Advice from another forum give me the impression I could dispute this claim, I'm guessing this advice was incorrect?

[AndyOrch]

The N245 is a duel purpose form...it can be used to suspend action and can be used to vary...I surmise you used it to suspend the AoE....so you can also use it to request variation of payment level against the judgment (CCJ).

 

Again you complete the I&E and make an offer of your proposed affordable monthly payment...as said there is a fee of £50 to submit this...unless you qualify for exemption.

[el032810]

I guess what I am asking is that there is no way out of this mess except to try and negotiate and affordable monthly re payment?

[AndyOrch]

There is an option to set a side judgment....but you must have a defence that has merit and is worthy of the set a side...not just a fanciful reason.Which I personally cant see from the information you have posted......therefore I would recommended that you try to negotiate an affordable payment plan

[el032810]

There is an option to set a side judgment....but you must have a defence that has merit and is worthy of the set a side...not just a fanciful reason.Which I personally cant see from the information you have posted......therefore I would recommended that you try to negotiate an affordable payment plan

 

 

Ok thank you, there is no other reason than I simply felt way out of my depth, panicked and took the idiots way out of ignoring it but I genuinely was t aware that I could even challenge this

[el032810]

I am filling in the N245 form and just wondered what makes a set a side a success, it is going to take forever for me to pay off this debt alone

[Bazooka Boo]

Have a read of this link for set asides..

 

https://www.nationaldebtline.org/EW/factsheets/Pages/12%20EW%20County%20court%20-%20how%20to%20set%20aside%20a%20judgment/Default.aspx

[el032810]

Thank you for the link, my only reason is sheer panic and lack of knowledge, understanding of the process and a concern for my job as a registered healthcare professional. The total of my debts is around £20,000, does anyone know if bankruptcy will affect my job?

[Bazooka Boo]

Wouldn't know, but highly doubt it?

 

20 grand isn't worth going BR IMO..

 

If these are all CC's and an Overdraft, then they will be littered with reclaimable fees and charges which should make a hefty dent in the total amount owing.

 

The OD alone will no doubt be mainly bank charges.

[el032810]

I am struggling financially as it is without these payments on top

[fkofilee]

El... Whos The OD with?

Is that subject to the CCJ?

[el032810]

OD?

[fkofilee]

Overdraft

[el032810]

Haha sorry what an idiot

The Ccj is for a credit card it's either Lloyds or Barclays

[AndyOrch]

Haha sorry what an idiot

The Ccj is for a credit card it's either Lloyds or Barclays

 

Have you not got the original claim paperwork ?

 

Andy

[el032810]

Yes it's Lloyds tsb

[el032810]

Am I missing something vital here with bankruptcy, a few debt management companies have recommended this as the better option. I am aware that I would be unable to get credit etc but this already is the case anyway, what else should I be aware of?