payment assist Ccj at old address - paid within 33 days of judgement - when will it go from my credit file??

[Terminalpigeon]

Wasn't quite sure where to plant this!

 

 few months ago I missed a payment to payment assist.

I emailed the other day to confirm I will make the payment at the end of September.

I am however refusing to pay the extra charges they have added.

 

Now do not get me wrong maybe a £20 penalty I understand but these..

 

The original missed payment is 88.31

 

These other charges I have said you are more than welcome to take me to court.

 

Below are the "extras" they would like to add.

 

Can I just ask if anyone thinks a letter is worth £40!

 

Just to add, the initial email I had was saying the potential of ccjs etc and my name being sent to publications regarding the court action which over 88.31 I thought a bit over the top to threaten in an email

 

 

 

Missed payment fee - £40.00

Letter Fee - £60.00

Chargeback fee - £56.00

Admin Fee - £25.00

Interest £22.32

 

 

 

 

 

[dx100uk]

What is payment assist??

[Terminalpigeon]

You have work done on a car and you pay 25% then the rest in three other payments interest free.

Edited September 5, 2019 by Terminalpigeon

[dx100uk]

Penalty fees are unenforceable yes

refer them to the fca/fos rules/guidelines

[Terminalpigeon]

Ok thanks dx

[AndyOrch]

Payment Assist’s offering is one that was designed for the automotive sector. With an intention to ease the burden of the unexpected bill that you may have when your car is taken into the garage for a Service or MOT. Whilst you may be budgeting for the cost of the Service or MOT, when your car needs some additional work or parts, this additional cost can make a dent in your finances, sometimes meaning that the critical work that your car needs to make it roadworthy is put off until you can afford this extra cost. 

Payment Assist are here to help, spreading the cost of this work means that you can remain driving safely, whilst paying for the work over a 4 month period. The payment plan is interest and fee free* and is designed to support you when you need it most

 

https://www.payment-assist.co.uk/sectors.html

 

But just you dare miss a payment and we will hammer you in fees £203.32 for 1 late payment and thats how they make their money......steer clear.(no pun intended) 

[Terminalpigeon]

Morning.

I've just checked my credit score to find a ccj has been entered through Northampton county court business centre.

Logged apparently at my old address for which I've not lived since last December

 

Seems it's gone through to conclusion so can't respond etc.

More than likely payment assist who I posted a while back and their outrageous fees.

 

So I have mailed Northampton county court for information.

 

Unique situation

how do I proceed exactly.

Obviously if it's paid within one month it'll be cleared

but ideally I need documentation etc

 

Currently the balance stands at £294 apparently.

 

Can anyone confirm if this is paid one month from now which is the 6th of December and proof sent to the court it'll be removed?

 

Does the court send this info promptly or does it take an age to get information from them?

 

 

Ash

 

 

 

[Terminalpigeon]

Currently the balance stands at £294 apparently.

Can anyone confirm if this is paid one month from now which is the 6th of December and proof sent to the court it'll be removed?

 

Does the court send this info promptly or does it take an age to get information from them?

[dx100uk]

who is the claimant on the credit file?

 

dx

 

[Terminalpigeon]

The only info it gives is county court business centre...

[dx100uk]

look closer

there is always a claimant/creditor name.

use noddle or credit karma now I think it is 

it will show the name of the claimant not the bulk issuing court.

dx

[Terminalpigeon]

I've just checked creditkarma, totally money and Equifax, none have anything relating to the creditor just it was issued at etc..

[dx100uk]

have to await your request of a copy of the claimform and the ccj from northant bulk then.

but there is a fee i believe so it might be better to ring them in morning.

 

dx

 

 

[Terminalpigeon]

Well the claim has been issued. Won't the court at least be able to tell me who to pay etc and specifics...that and well rather no bailiffs knocking

 

A month from now isn't long, if payment assist got that crap through the court then contesting it is meaningless. Just rather not have my file damaged by £294 for the amount and the time it's taken trying to keep it sound it's not worth it. 

 

 

[BankFodder]

To confirm that if the CC J is settled within 28 days of issue then it won't find its way onto your credit file.

[Terminalpigeon]

Great as I'm paid on the 28th so I'll clear it. With regards to the proof being sent to court. What's the quickest way to do this. Obviously it needs to be in and clear to rid the ccj

 

Sorry so many questions..

[AndyOrch]

You will have to ask MCOL to email you a copy of the N30  (Judgment for claimant in default) to get the payment details.

 

Andy

[Terminalpigeon]

Thanks for all the replies.

 

After talking to Northampton it seems it was payment assist.

 

The original payment left was £88 the rest is literally fees 

 

The situation is now I will clear the balance and payment assist will send me confirmation of payment and will inform the court it's paid

 

Lesson here is always update your address as it's highly likely I would of fought this claim.

 

Due to me being non responsive it went into default judgement which was the ccj.

 

I'll not make this mistake again anytime soon

 

Thanks for your help!

[AndyOrch]

[BankFodder]

Yes - always best not to bury your head in the sand

[Terminalpigeon]

This has been paid. The company has informed the courts, also got confirmation from them that payment was made and that they would inform them.

 

Contacted Northampton and they have received the confirm. How long should this take to disappear from my report?? 

[dx100uk]

depends when northants do their data run to the cra's.

 

 

[Terminalpigeon]

So it doesn't matter if it goes over the time limit. It will get done etc?

[dx100uk]

sorry what time limit?

[Terminalpigeon]

Well just that it'd be on there a month on the 6th..