CCJ - pay within one month

[catscratch]

Hi all,

 

 

I had a CCJ issued against me on 26th April,

I contacted Shoosmiths LLP who were acting on behalf of client and agreed repayment terms over five months.

 

I am now in position to repay the debt before the 26th May,

i checked with the court this morning and they agreed that if that happened then i can ask the court to cancel the entry on the register (they stated that normally the claimant will notify them).

 

Tonight i phoned the automated payment line where a message says that they cannot accept payment to clear outstanding balance unless agreed in writing, this now worries me that i will not be able to get this done before the 26th May.

 

I will contact Shoosmiths in the morning but does anyone have any thoughts??

[dx100uk]

you should never ring anyone let alone a fleecers solicitors

 

who was the original creditor

what type of credit

when did you last pay the OC

why did you not defend the claim?

[catscratch]

The original creditor was Rentsmart and it was a computer lease through PC World (never ever do that again even if i could), Shoosmiths look like they're affiliated to Rentsmart. I paid first installment 2nd May. Had little to defend, my own fault led to it going to a CCJ which is a lesson learnt.

[dx100uk]

no rentsmart don't so court this will be a fleecing DCA

who are shoo's stated client of the claimant on the CCJ.

but anyway just pay it

and the CCJ should not appear.

[BankFodder]

They are not entitled to refuse payment. Luckily because you've been here since 2008, you have read our customer services guide and you have implemented all the advice there and you have recorded the call. That's great because if anybody later on tries to deny that you attempted to pay, you will have the recording as evidence. This is very important.

[catscratch]

Hi BankFodder, thanks for reply, i am just looking at the letter that they sent out confirming the payments and that again states in the 'Ways to Pay' attachment:

 

"All payments made via these services are only accepted in reduction of the outstanding balance and not as settlement unless otherwise agreed by us in writing" (the bold bit is as it is in the attachment.

 

Part of me wants to just phone the automated line and pay the amount it says in the letter but i am worried that it will be bounced back and then i will go over the one month limit.

 

i am also a little concerned that the judgement is for £680.62, i have already paid 130.40 at the start of May, their letter to me says that for the next four months i will monthly payments of £131.40 with next being due 31st May and that they will contact me approx four months from date of letter to review account.

 

My simple math is 4 x £131.40 = £525.60, add on the £131.40 already paid = £657 which leaves £23.62 outstanding??

[renegadeimp]

You dont need to put it in writing. They cannot refuse to accept any payment to the debt. Including making it in full.

[dx100uk]

send it by bacs why the hell use their line!

[renegadeimp]

Knowing shooesmiths they say not to pay in full so they can actually get a CCJ on your file. Pay before and one isnt entered. They are that vindictive, they always want to make sure you are knackered for a long time after paying it off.

 

As dx says, just get their bank details and pay it online.

[dx100uk]

oh and rentsmart always levied compulsory PPI

go reclaim it..

[catscratch]

Hi all,

Thanks for replies, i did manage to pay it in full so should be ok regarding the court!!

Oh and will look at PPI

[BankFodder]

Knowing shooesmiths they say not to pay in full so they can actually get a CCJ on your file. Pay before and one isnt entered. They are that vindictive, they always want to make sure you are knackered for a long time after paying it off.

 

I think that this is unlikely

[renegadeimp]

unlikely but there have been a few reports of it. I could be completely wrong too, but it is rather suspicious they refuse to allow people to pay in full without prior permission.