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County Court Judgement

sdt1986
sdt1986 Posts: 411 Forumite
in Debt-free wannabe
I've got a county court judgement for £4k ordered to pay it immediately which I obviously cant.

I've just received a letter from Gregson and brooke offering me help.

Is this just a company that pick out people who have just recieved a ccj or are they affiliated with the court, from what I gather from there website they are wanting to offer me debt management but I only really have this one creditor to pay at the moment.

Any advice?
Poverty 2012 - F**K My low wage!
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Comments

  • sdt1986
    sdt1986 Posts: 411 Forumite
    Anyone able to help?
    Poverty 2012 - F**K My low wage!
  • GeorgeUK
    GeorgeUK Posts: 7,737 Forumite
    Did you attend the court hearing when the CCJ was awarded?

    Not too sure about all this but you may be able to apply for a redetermination from the court so that it is a more managable amount.

    Also, you may be able to make a reduced full and final settlement offer on the CCJ - as long as it's not a partial or short settlement.
    After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91

    Dad Gift 6k ¦ Savings & Inv Tst: £2,500
    Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0

    Total Owed: £2,270 (+6k) 11/08/2011
  • sdt1986
    sdt1986 Posts: 411 Forumite
    GeorgeUK wrote: »
    Did you attend the court hearing when the CCJ was awarded?

    Not too sure about all this but you may be able to apply for a redetermination from the court so that it is a more managable amount.

    Also, you may be able to make a reduced full and final settlement offer on the CCJ - as long as it's not a partial or short settlement.

    No didn't attend court.
    I'm unsure whether this is official from the court, it looks to be a debt management company and I just can't see the court having an affiliation with a debt management company.
    Poverty 2012 - F**K My low wage!
  • 10past6
    10past6 Posts: 4,962 Forumite
    sdt1986 wrote: »
    Is this just a company that pick out people who have just recieved a ccj
    Yes
    sdt1986 wrote: »
    or are they affiliated with the court
    No
    sdt1986 wrote: »
    from what I gather from there website they are wanting to offer me debt management
    That's all they do, they receive a list of recent CCJs and offer people "Advice" for a fee of course :rotfl:

    If you're unable to pay the full amount, write to the Court requesting a redetermination / reassessment of the demand within 14 days of the Judgement, it's always best to include an up to date I&E.
    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
  • sdt1986
    sdt1986 Posts: 411 Forumite
    10past6 wrote: »
    Yes

    No

    That's all they do, they receive a list of recent CCJs and offer people "Advice" for a fee of course :rotfl:

    If you're unable to pay the full amount, write to the Court requesting a redetermination / reassessment of the demand within 14 days of the Judgement, it's always best to include an up to date I&E.

    Right I'll do that tomorrow, I was going to write to the creditor.
    Poverty 2012 - F**K My low wage!
  • sdt1986
    sdt1986 Posts: 411 Forumite
    Should I be writing to the creditor or the court, what exactly do I write, I've just printed the income form from the courts so am just filling that in now.
    Poverty 2012 - F**K My low wage!
  • 10past6
    10past6 Posts: 4,962 Forumite
    sdt1986 wrote: »
    Should I be writing to the creditor or the court
    Write to the court ;) never trust a creditor to act in YOUR interest ;)

    Complete this form and send it to the court, be sure to keep a copy
    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
  • sdt1986
    sdt1986 Posts: 411 Forumite
    10past6 wrote: »
    Write to the court ;) never trust a creditor to act in YOUR interest ;)

    Complete this form and send it to the court, be sure to keep a copy

    Do I include a letter accompanying it, sorry it's all new to me.
    Poverty 2012 - F**K My low wage!
  • sdt1986
    sdt1986 Posts: 411 Forumite
    sdt1986 wrote: »
    Do I include a letter accompanying it, sorry it's all new to me.

    ..............?
    Poverty 2012 - F**K My low wage!
  • 10past6
    10past6 Posts: 4,962 Forumite
    sdt1986 wrote: »
    Do I include a letter accompanying it, sorry it's all new to me.
    sdt1986 wrote: »
    ..............?
    Yes, include in the letter what you can afford to pay, send a copy of your letter to the claimant.
    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
This discussion has been closed.
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