CCJ- Judgement says I have to pay in full and I can't!

Benji_58

Hannah_10 wrote: »

It's your not wanting to go to court that means they are winning. The courts are going to side with you if you put your case like Fermi says to. Nationwide though are hoping that you'll be too scared to know that. And you are too scared to know that.

So by being scared of the dog you're letting the dog bite you. Tell the dog to go and lie in the corner and it will.

You have nothing to fear from the courts. Nationwide bl**dy well do though. (Why do you think they've made it their business to put you off).

I do agree with you. After a number of phone calls with Nationwide and KPR - who ask me could I not borrow the money from family friends or neighbours, to clear the full amount, which left me speechless It should not surprise me that I have to go to court.
Has anyone been to court in a situation like this?

Benji_58

Hannah_10 wrote: »

Knowledge is power. Start a new thread Benji, we can maybe empower you a bit with this.

will do there does seem to be a lot of helpful people on this site

Faye449

Benji_58 wrote: »

Hi Faye
Had same sort of letter today, but on a £4193 debt they have added £10809 for costs, total to repay £14,976. I also sent copies of DMP to nationwide which I dont think they have passed onto the court. All my other creditors have accepted my plan so far (which was started in June) Dont know which way to turn now. Dont want to go to court

Good grief where did the £10809 come from?! I've had £108 added as court costs but yours is ridiculous!

Chrisblue1962

Thank You to the original poster, Faye449, and Fermi for his reply.

Nationwide have just done this to me too :mad: ,for an old overdraft which now amounts to £2905.27, despite fact that I am on and paying a DMP with CCCS.

Letter & accompanying documents going by 1st Class Recorded Post on Monday..

fermi

Chrisblue1962 wrote: »

Letter & accompanying documents going by 1st Class Recorded Post on Monday..

Check with the court first before you do.

Depending on how the judgement has been made, sometimes you need to fill in forms and pay a fee still.

The court will tell which applies to you.

vax2002

You can appeal the decision and request a hearing in YOUR own town, the case should have been heard here anyway.
Then you can go along with all your paper work and sit down and the order will be set aside and replaced with a new order based upon what you can afford.
When you say received an order, I take it you did not receive the summons, you just got the order ?
that is grounds for the appeal.
Appeal it and TURN up putting your head in the sand gets your harss kicked.

fermi

vax2002 wrote: »

you just got the order ?
that is grounds for the appeal.

No. They received the initial claim forms and responded within the timescale that they should.

http://forums.moneysavingexpert.com/showpost.php?p=46245341&postcount=4

vax2002

ohh we are commenting on cross postings.
Well never mind...

Chrisblue1962

Hi all,

Thank you for the replies.

I received the initial Order, which I completed together with a copy of CCCS budget and list of all creditors. I will ring the Court on Monday but will have a letter prepared just in case.

I hope I don't have to fill in forms but will do if I must. A fee... for God's sake, I am already trying to pay a DMP yet I have to pay to prove I can't pay any more than the DMP amount....which is a contradiction in terms in itself !!!

Chrisblue1962

T/phoned CCCS today who advised me request a Redetermination and because I'm doing it within 14 days of original judgement, I wont have to pay a fee.

Thanks to all who have provided advice and support.