Ccj overturn

leftinamess

Morning,

Yesterday i managed to get a ccj overturned on an amount of £1600 i am now going to pay the amount. Is it still a possibility to make an offer or should i just pay the full amount?

Is there anything elese i need to do now the ccj has been overturned?

fatbelly

Check your credit file in a few weeks to see that it has gone.

I'm assuming you've had it set aside. Was it a case where they served the claim to the wrong address even though they knew the right one?

What may happen is that the creditor starts again with a new claim, and gets it right this time. So you do need to act fast. Yes, they may accept a smaller sum in settlement but don't be too greedy.

Best of luck.

leftinamess

fatbelly wrote: »

Check your credit file in a few weeks to see that it has gone.

I'm assuming you've had it set aside. Was it a case where they served the claim to the wrong address even though they knew the right one?

What may happen is that the creditor starts again with a new claim, and gets it right this time. So you do need to act fast. Yes, they may accept a smaller sum in settlement but don't be too greedy.

Best of luck.

Excellent advice! No my wife had all my mail on a collection service so i never knew about the ccj! I am just going to pay the full amount today based on that advice

fatbelly

leftinamess wrote: »

Excellent advice! No my wife had all my mail on a collection service so i never knew about the ccj! I am just going to pay the full amount today based on that advice

Hi - it doesn't do any harm just to ask if they would accept 90% in settlement (maybe start at 85% and be allowed to be negotiated upwards). If the response is '100% or we start the claim again' then at least you've given it a try.

I'd probably make the offer in writing (1st class recorded delivery) and follow up with a phone call after a few days.

If you can save £160, I'd say it's worth a go.