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bigtrouble2017

eceived unknown arrows/restons CCJ this morning - help

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Hi hoping someone can help/advise,

 

I received a CCJ for the amount of £2802.71 for a credit card. England based.

 

I can't pay this and on the form it does not tell me how I can pay this off in instalments.

 

I have lots of debt which I am dealing with but this one slipped through, my fault totally.

 

Any advice on how I should proceed would be much appreciated.

 

Many thanks.

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Welcome to CAG :)

 

NEed more info. Who was the company who go the CCJ. Who were their client?

Who was the original creditor?

 

What happened?

 

YOu say England based? Are you in Bonny ol' Scotland?


 

We could do with some help from you.

 

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Receptaculum Ignis

 

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Hi, thank you for the quick response and the welcome.

 

Personal Credit Card with either Vanquise/Aqua

Claimant: Arrow Global Limited

Payment to Restons Solicitors Ltd

 

Yorkshire based.

 

Did go through CCA they came back with the proof and I got distracted with other debt problems and missed this resulting in CCJ

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vanquish nor aqua are linked so they cant put both in the claimform.

 

 

so which is it?

 

 

and whats the date on the CCJ?


..

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Its Vanquis... Provident Personal Credit...

Todays date DX...

 

What went wrong... Why didnt you defend?


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Can't place the paperwork, but the original debt was with either Vanquis or Aqua

 

The Judgement for Claimant (in default) is dated 22-MAY-2017

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did you not get the claimform or anything before the judgement?

or you did and simply ignore it and not defended?

 

 

you could do a setaside or vary it [probably best N245]

 

 

is it a recently taken out card?


..

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Did not defend, caught up with other stuff and life in general, no excuses.

 

No not resent. I wondered about the N245? Would I use that to setup a payment plan?

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yes n245 variation order.

if you don't think you've a setaside reason?

can you not phone northants bulk and get a copy of the CCJ sent via email/PDF to you.

then you'll know?

 

 

you said you CCA'd

so what date did you take this card out?


..

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The card was taken out about 5 years ago.

 

I'll do what you suggest and ring and get a copy of the CCJ via email.

 

Thanks again for your help.

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that's quite a high balance for such a young card?


..

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OK I rang the court and ended up on an automated line and they said I would need to pay a £50 fee with the N245 submission.

 

I was under the impression though that if it was within 14 days of receipt of CCJ no fee was payable? can you advise.

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A redetermination is free if submitted within 14 days..but a redetermination can only be submitted if the judgment has already stated in monthly payments.

 

I assume yours is a forthwith judgment (the whole lot due now) so you have to use the n245 to vary the forthwith to monthly payment.

 

You may qualify for fee exemption if on certain benefits or low income

 

Regards

 

Andy


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Thank you Andy. Nipped into the local Court and they were very helpful, so all good now and N245 is the route.

 

Also thanks to all with advise and help much appreciated.

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Ive merged your old thread for history


..

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