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    • stegsie
    • By stegsie 9th Sep 17, 6:47 PM
    • 3Posts
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    stegsie
    CCJ - Variation of amount
    • #1
    • 9th Sep 17, 6:47 PM
    CCJ - Variation of amount 9th Sep 17 at 6:47 PM
    Evening all

    After 10 years of paying off a substantial amount of money to all our creditors via a DMP we are finally seeing the light at the end of the tunnel!

    One of the debts we have is a CCJ that was set by the court (and paid every month for 10 years since) at around £35 a month. To put that figure in context we are paying over 10 times that amount to the other creditors in total. As we are approaching the end of all the other debts I really don't want the money we pay to the other creditors (the £350+) to go to the CCJ payment (I now that sounds daft, but they put us through hell getting that CCJ against us and would not listen to any of our reasoning or pleading.) I don't want to pay them a penny more than the CCJ has set.

    My question is - once the other debts are paid how easy is it for the CCJ to be reviewed by the creditor and or the court so they can reset it to a much higher amount to pay off sooner? Can they do this or are they just going to have to get what the CCJ says until it's paid off?
Page 1
    • sourcrates
    • By sourcrates 9th Sep 17, 6:51 PM
    • 11,905 Posts
    • 11,402 Thanks
    sourcrates
    • #2
    • 9th Sep 17, 6:51 PM
    • #2
    • 9th Sep 17, 6:51 PM
    Hi,

    The judgement stays at that amount unless either you, or the creditor, challenge it.

    You would be asked to fill in a new budget most likely, just make sure your budget shows £35 available per month to pay it.

    After ten years its not going to be changed now.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
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