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Ccj

I have recieved my first CCJ and hope it is the last. The problem I have is that I called the company to ask about making payments only to be told that interest is still being charged and will be untill the last payment. The amount owed before it went to court was 1,400 and after court is now 3,012.00. and with interst being added it is no joke. Has anyone else had the same problem or can anyone give me any info to help.


Thanks :eek:

Comments

  • 10past6
    10past6 Posts: 4,962 Forumite
    Did you receive a default notice before court action began?

    Do you have the T&Cs of your agreement, if so, check them, it must state whether they will be allowed to charge interest on a CCJ.
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • I called the company to set up direct debit after I missed a payment they told me they had sold my account when I called the company to arange payment they said I could not untill it had gone to court. I do noy have the t & c as I took it out so long ago. Stupid I know. I think I have lost this one.
  • 10past6
    10past6 Posts: 4,962 Forumite
    When you received the court claim, did you admit / dispute / deny the claim?

    Who is the creditor that's taken action against you?

    How much is the debt, and what's it for?
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • naijapower
    naijapower Posts: 1,393 Forumite
    Very useful questions above. Pls try and respond if you are online, so further advise can be provided
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