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  • FIRST POST
    • Charliefred1
    • By Charliefred1 10th Sep 17, 4:38 PM
    • 2Posts
    • 0Thanks
    Charliefred1
    Late CCJ instalment...
    • #1
    • 10th Sep 17, 4:38 PM
    Late CCJ instalment... 10th Sep 17 at 4:38 PM
    Hi,
    I really hope somebody can give me some advice!

    My partner has a CCJ for an old mobile phone bill that was forgotten about. We managed to agree a monthly instalment plan for £70 per month, and have always paid on time (if not early) each month. This months payment is due today, however we don't have enough funds to pay until Thursday (so it would be 4 days late).

    Would this mean further court/bailiff action would be taken, or should we be ok to pay a few days late and then continue with the payment plan as planned from next month?

    Any advice would be welcomed urgently as I am worrying about it a lot!

    Thanks
Page 1
    • sourcrates
    • By sourcrates 10th Sep 17, 4:47 PM
    • 11,882 Posts
    • 11,388 Thanks
    sourcrates
    • #2
    • 10th Sep 17, 4:47 PM
    • #2
    • 10th Sep 17, 4:47 PM
    Hi,

    I wouldn't panic, further action by the creditor would cost them more money.

    Give them a quick ring in the morning and tell them the payment will be with them on Thursday, they should put a note on your account to that effect, and as long as its paid, i doubt you'll hear any more about it.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
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    • Charliefred1
    • By Charliefred1 10th Sep 17, 4:53 PM
    • 2 Posts
    • 0 Thanks
    Charliefred1
    • #3
    • 10th Sep 17, 4:53 PM
    • #3
    • 10th Sep 17, 4:53 PM
    Ok, that's reassuring! Thank you
  • National Debtline
    • #4
    • 11th Sep 17, 1:25 PM
    • #4
    • 11th Sep 17, 1:25 PM
    Hi Charliefred and welcome to MSE,


    Unfortunately, I wouldn't completely agree with what sourcrates has said. If you make a payment late under instalments of a CCJ then there is a risk of further action. It is by no means a certainty, but it is a risk. If this were to happen you would get notice in the post of the action being taken. For example, you get 7 days warning before a bailiff visit (known as a notice of enforcement) and you can apply to vary the CCJ again and suspend the bailiffs. If you receive notice of any court enforcement then get in touch with one of the free debt charities for more help.


    It is worth getting in touch with the creditor and trying to reason with them. They may agree to the payment on Thursday and take no other action. Try and get them to agree to the later payment in writing, to make it a bit more binding, and take further advice if they are difficult when you speak to them. Good luck,


    Laura
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
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