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My First CCJ

Bunnyinthelights
Bunnyinthelights Posts: 15,278 Forumite
in Debt-free wannabe
I knew it would happen eventually but it's still knocked me back-
I got my first CCJ sent to me today from my friends at Tescos Personal Finance, great.
CCCs have been a great help but does anyone have any experience of them and CCJ's in general they could help me with? I'm stressing loads (and hence eating my way thru the pantry!:eek: )
I'm 7 months into my DMP...
Bunny

Proud to be dealing with my debt?:o
Empty pockets never held anyone back, only empty heads and empty hearts can do that -Peale
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Comments

  • susie76
    susie76 Posts: 59 Forumite
    don't worry love, i got my first (although so far only) CCJ from Westcot, 1 month into DMP. I just though F*** it, it doesn't matter, as my credit rating is already ruined from defaults, and i don't want any credit ever again anyway. It doesn't make a difference really, it hasn't altered the payments, so i just shrugged it off. Chin up!
  • Bunnyinthelights
    Bunnyinthelights Posts: 15,278 Forumite
    Yeah,
    I agree totally about the credit statement...I guess because I hadn't heard anyhtign rom them beofre it came as a bolt out of the blue! (duh I hear you all say!) I guess what I worry about the most is a charging order put against the house.
    But thansk very much, you've helped...now, where was that chocolate...
    Bunny
    Empty pockets never held anyone back, only empty heads and empty hearts can do that -Peale
  • lou_lou_skinty_poos
    lou_lou_skinty_poos Posts: 99 Forumite
    tesco personal finance are one of my creditors got me scared now i owe them 4700 dya reacon they'll give me one sorry to be nosey but did u owe more than that ?
    current debt standing at 27500 :eek:

    in a dmp with payplan feeling better about my debts

    debt free: 2012

    oh and i owe 8 grand student loans 2 :mad:

    still owe the student loans ha ha :p
  • sgx.saint
    sgx.saint Posts: 1,615 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I knew it would happen eventually but it's still knocked me back-
    I got my first CCJ sent to me today from my friends at Tescos Personal Finance, great.
    CCCs have been a great help but does anyone have any experience of them and CCJ's in general they could help me with? I'm stressing loads (and hence eating my way thru the pantry! )
    I'm 7 months into my DMP...
    Bunny

    Proud to be dealing with my debt?

    --
    don't worry love, i got my first (although so far only) CCJ from Westcot, 1 month into DMP. I just though F*** it, it doesn't matter, as my credit rating is already ruined from defaults, and i don't want any credit ever again anyway. It doesn't make a difference really, it hasn't altered the payments, so i just shrugged it off. Chin up!

    Out of interest, were you both making regular payments when they decided to apply for a CCJ?
  • laurajayne
    laurajayne Posts: 629 Forumite
    Bunnyinthelights wrote:
    I knew it would happen eventually but it's still knocked me back-
    I got my first CCJ sent to me today from my friends at Tescos Personal Finance, great.
    CCCs have been a great help but does anyone have any experience of them and CCJ's in general they could help me with? I'm stressing loads (and hence eating my way thru the pantry!:eek: )
    I'm 7 months into my DMP...
    Bunny

    Proud to be dealing with my debt?:o

    I have 2 CCJs - and one has an attachment of earnings order on it :o Got that before I discovered MSE, DFW and had the light bulb moment I'd like to add.

    I know they kinda hit hard...they're not permanent though ;) Do you need help with the paperwork? You're always welcome to PM me for help/a chat :cool:

    On the upside....work emailed me at the begining of the week...apparently they've been written to to be told to only take £68 out of my wages this month, as it's paid in full (after that payment lol) :j :beer: :j
    :cool: Proud DFW Nerd 135 :cool:
    Sealed Pot Challenge - 019
  • Bunnyinthelights
    Bunnyinthelights Posts: 15,278 Forumite
    Lou:
    Yes, I owed double that...

    Saint:
    I've been making regular (although greatly reduced) payments via my DMP.

    Laura:
    Sorry to sound thick-what do you mean they aren't permanent? Because they only last 6 years? I'm still getting to grips with it all...

    Bunny
    Empty pockets never held anyone back, only empty heads and empty hearts can do that -Peale
  • laurajayne
    laurajayne Posts: 629 Forumite
    Bunnyinthelights wrote:

    Laura:
    Sorry to sound thick-what do you mean they aren't permanent? Because they only last 6 years? I'm still getting to grips with it all...

    Bunny

    Lol, no problems, I know I'm not the easiest person to understand :D

    You've got the jist bang on....that's what I keep saying to myself...6 years ;)
    :cool: Proud DFW Nerd 135 :cool:
    Sealed Pot Challenge - 019
  • Bunnyinthelights
    Bunnyinthelights Posts: 15,278 Forumite
    Lol,
    Yeah...
    Seemed to have no problem dealing with the fact I'll never have 'credit' again, (and I'm perfectly OK with that!)...
    If I could only get to grips with NOT eating myself into a carb coma every time I get stressed!
    But thanks.
    Were all of yours accepted or did you have to go to court in the end?
    Bunny
    Empty pockets never held anyone back, only empty heads and empty hearts can do that -Peale
  • laurajayne
    laurajayne Posts: 629 Forumite
    One was accepted no problems. (Capital One)

    One (GE Captial - Dotty P storecard :o ) didn't like the £50 I offered and originally got it changed to £100, then £75 when I had the AOE order (duh...didn't pay cos I couldn't afford it lol)

    Never had to go to court for either....can't wait to send off for my certificate of satisfaction now! :j
    :cool: Proud DFW Nerd 135 :cool:
    Sealed Pot Challenge - 019
  • Bunnyinthelights
    Bunnyinthelights Posts: 15,278 Forumite
    Laura,
    Thanks again, I hope mine is accepted-will be a nervous wreck if I have to go beofre a judge!
    Bx
    Empty pockets never held anyone back, only empty heads and empty hearts can do that -Peale
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