Is there any legal steps companies have to take before CCJ action??

jordandaddy

Is there certain steps that they have to take before going to court ie reminder letters, notices etcetc.

They ( Severn Trent) sent me the following in a statement of account (although i don't recall ever having received them except for the solicitors letter March 2006) :

Reminder Notice - February 2006
Overdue Notice - March 2006
Solicitors Letter advising of court action - March 2006
Bill for charges - April 2006
Payment received - May 06, June 06, Jul 06
2nd Solicitors letter - August 2006
Judgement Issue Costs - Oct 06

The reason i am asking is that once i commenced payment then i would have thought they would have to issue reminder notice etc again when i missed payment ( bank charges!!), if there are legal guidelines to cover this

Also on another note is there any guideline as to what they can add in charges as i have received charges for CC Court claim issue costs, Jusgement Issue costs, Application of attachment of earnings fee (which themselves later removed!).

Any help gratefully received and desparately needed. :beer:

penguin83

They are entitled to recover certain fixed costs and court fees that they have paid - the issue fee will depend on the amount of the claim. The Attachment fee is 100.00 and the judgment costs are fixed at 22.00. xx

DarkConvict

I believe once you have breached a contract they can apply to recover the costs via a court, usually keeping an account in good standing is the term most often broken.
What they tend to do then is use informal arrangements of payment rather than hassle with a court, a court would like to see a creditor make an attempt to resolve it before court action. Where a debtor has failed to do so or broken an informal agreement it puts the creditor in a stronger position so a CCJ is granted.

GeorgeUK

The only thing i can think of is they must issue you with a default notice that gives you 30 days to make payment before a default is put on your credit file. If the default isn't on your credit file then i don't think they should be taking you to court.