Ccj arrived what to do next?

Neighboursfan

Ccj arrived this morning for credit card debt of 9 thousand despite offering the company money in instalments , what happens now?

fermi

Well, even if you make an offer you still get a CCJ if the creditor asks for judgement.

Question is, has the court ordered instalments here? If they have, can you afford them?

If you can't afford the instalments ordered, or they have made the CCJ "forthwith", then you would need to ask for a redetermination or a variation of the CCJ to have it changed to instalments you can afford.

Neighboursfan

It's askIng for income and details and if we admit the claim

fermi

Ah. So it's only a claim form so far.

You don't "receive" a CCJ until the court actually makes judgment.

In that case you need to decide how to respond, based on whether you owe this, whether you agree with the amount owed, whether you have any valid defence or counter claim etc.....

Without much background on the debt, not something we really comment on without more info.

There is basic info on responding in this link, depending on what you wish to do.

--> Replying to a county court claim form

Neighboursfan

Oh I see ok , yes we do accept the debt it was our credit card that wasn't kept up with after redundancy , we just want to start paying it off ! So if I return the form we will then be contacted by the court again ?

RAS

Do you own a house, or a mortgage?

read this thread by 10past6. https://forums.moneysavingexpert.com/discussion/2045387

Unfortunately he does not post here any more.

Do you have the original default letter?

Neighboursfan

Yes we have a mortgage I'm scared they will take my house ?