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Additonal charges to CCJ'd and Charged debt and early settlement


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I hope that I am posting this in the right place.

 

I have a CCJ and charge order that I have been paying without issue. I have 2 general questions which I have not found previously posted, but I apologise if they have been asked before:

 

1) I contacted the creditor and offered an early settlement with an amount that was lower than the total remaining debt. I was advised that they could not accept it because there was a CCJ and charge order on the debt, but I was welcome to pay the full amount early. Is this true/normal or possibly just their own policy?

 

2) I have not had a statement before, and they have sent me one for information. I have noticed 'legal fees' have been added regularly to the debt. I was not advised this was happening and some are quite significant. These were not included in the CCJ, unless I am missing something. I am going to ask them about these, but I thought once a CCJ and charge order were in place this should or could not happen? I have not missed any payments or done anything that could have incurred a charge. If I had, I would have expected them to advise me of the cost. This seems wrong.

 

I might be being naive about the above, but I have learnt not just to accept everything when it comes to debt management. I would like to check the above in general terms as Google has not been detailed or specific enough.

 

Thank you in advance for any pointers or clarification anyone can give me.

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please name names 

and give us some dates all these things happened

and who the original creditor was

what type of credit was it

is your home jointly owned

debt solely in your name not joint?

 

quite correct they cant keep adding 'legal fees'

 

full story please

 

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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You only pay what's on the Notice of judgment (CCJ total amount) + any one off additional fee for the registering the Charging Order...£100.00

that's all no interest  or further legal fees.

 

Andy

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Thank you for your replies and information.

 

As this adds up to several hundred £'s and just seems to have been added on regularly and without advising me, I am going to ask for an explanation and clarify in detail why these have been added. I thought it seemed wrong and based on the above information you have given me in relation to the judgement it certainly looks like it.

 

I will post back here with information as to what happened.

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