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Collect Direct / Egg and Tesco CCJ


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Hi Everyone,


I had a debt management plan about 10 years ago, which is long since pretty much paid off / written off etc

aside from two things which I would like to ask advice on.


Firstly, I pay Collect Direct £45.00 a month on a standing order.

I no longer have any idea what it is for but believe it may have been for an Egg credit card



I have received no correspondence whatsoever from Collect Direct for about 8 years

and I have no idea how to contact them or find out how much I may still owe.

Nor do I really want to open that can of worms really as life has moved on.



I would ideally like to stop paying them because I feel I could continue paying £45.00 forever

and I don't know how much I really may owe.

Is it advisable to stop paying them or just continue?

If I stop paying them, what might the implications be?


Secondly, I also have a CCJ from Tesco finance.

This was a CCJ given in 2005 and no longer shows on my credit file.

I pay £57.00 a month and at that rate it will take me longer than my entire working life to pay back what the debt was.



Again my question is,

what would the implications be of failing to pay a CCJ or should I just carry on.

I could never afford to pay off the full amount.

Is there anything else that I could do to try and get rid of this noose?


Many thanks in advance for any advice.

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Firstly Collect Direct STOP payments today, then wait for the deforestation to come through your letter box demanding to know why their cash cow has stopped paying for their tea and biscuits.


What is the amount outstanding /remaining on the CCJ?

Did you defend this at the time?


If you have maintained payments from 05 to date at £57 a month is by my very poor numeracy skills £6840.

Just how much was the debt?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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if you have no idea who to or why you are paying £45pm, as BB says cease payments and await contact


then send them a CCA request, and await their response or lack of


as regards the ccj, if that was what was ordered by the court then payments must continue till repaid

or you apply to the court to vary the payment







Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Many thanks to you both. I think you're right about stopping the Collect Direct one. It's the easiest way to find out what it was and whether I really need to pay it.


The CCJ was defended and the court agreed I (well it was 'we' then but not any more) should pay £57 a month. I think the debt was around £20000 but I would have to try and find the paperwork for it. I don't really know who to contact or how to find out how much is owed. I've moved house several times and I guess they've lost track of me in terms of updating with statements.

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wo do you pay on the CCJ

that's the easy way to find out the info.



have you ever had any info of say change of whom you pay since the CCJ?

bet it wasn't tescos that got the CCJ???!!



as far the other one - cash cowed blind sadly!!




please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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