CCJ and redetermination

mmellows

I received CCJ from the Northampton Court dated 24 Sep over a debt of 4370 I have with HFC. The court ordered me to pay £20 a month after assessing my ability to pay. The first payment is due tomorrow. Since then I have had a re determination notice sent to me from Reston solicitors which says that they basically dispute the original amount ordered by the Northampton Court and have transferred it to my local court on Isle of Wight. I have only just got back off holiday to find this re determination is on 3 Nov. I am able to afford the £20 a month but have 2 other CCJs which are up to date and haven't been challenged by the creditors and two other payment plans with other creditors. I have not defaulted on any of these payments. I tried to phone Restons but the man I spoke to was not helpful and basically told me that I should see him in Court. I am not able to get to court but am anxious to keep the repayments at £20. I am also concerned that they might try and go for a charging order although I haven't received any such notice. Any help would be gratefully received as I am losing sleep over this one.

kakanodebt

mmellows wrote: »

I received CCJ from the Northampton Court dated 24 Sep over a debt of 4370 I have with HFC. The court ordered me to pay £20 a month after assessing my ability to pay. The first payment is due tomorrow. Since then I have had a re determination notice sent to me from Reston solicitors which says that they basically dispute the original amount ordered by the Northampton Court and have transferred it to my local court on Isle of Wight. I have only just got back off holiday to find this re determination is on 3 Nov. I am able to afford the £20 a month but have 2 other CCJs which are up to date and haven't been challenged by the creditors and two other payment plans with other creditors. I have not defaulted on any of these payments. I tried to phone Restons but the man I spoke to was not helpful and basically told me that I should see him in Court. I am not able to get to court but am anxious to keep the repayments at £20. I am also concerned that they might try and go for a charging order although I haven't received any such notice. Any help would be gratefully received as I am losing sleep over this one.

Firstly I would advise that you get advice from an advice agency like Citizens Advice....

You should attend court on that day with all of the evidence needed to support your offer of twenty pounds. Charging orders are can only be used as enforcement when you default on a court order ...so I suggest that you maintain what the court hs ordered you to until otherwise told to do so.... at this hearing it will only be redetermination and not anything to do with charging orders.

Try not to worry easier said then done

but please please get advice on this from ana advice agency xx

mmellows

Thanks....I have now completed al my paperwork with copies of bank statements, agreements with other creditors together with mortgage statements etc.......any other advice would be received with thanks...heres hoping I will be able to put forward a good case...