Debt Collection Agency - CCJ

Duk

Hi,

I am currently ill undergoing treatment and have not been at work for 9 months. due to being ill I have not been getting paid well (only 20% my wage and SSP)

Yesterday I received a letter from IQOR saying that they are taking out a CCJ on me for the debt of £17 (ebay fees). At the time I am unable to pay until the end of the month.

What is the chances of them taking out a CCJ for this amount? I have explained I cant pay it but they are having none of it.

For such a small amount having a CCJ will cause me to lose my job and it is really worrying me..

McKneff

They would have to take you to court to get a CCJ (County Court Judgement)

Can you not rake up £17 from somewhere, sell something, pawn something, local auction which usually brings a fast result. Seems a shame for such a small amount. Your credit will be trashed for 6 years if it goes ahead.

Thrifty_Pixie

can you not borrow £17 from someone? it seems such a small amount to be causing so much trouble....

Treadmill

It would cost them more than £17 to get a CCJ against you and more again to enforce it, so I think it's unlikely to be more than a threat.

Duk

Thanks for your replies.

Its not just about the £17, I am over my "agreed" overdraft limit of 0 by £58. so someone would need to lend me £75 to pay off this £17 debt.

I called them and said can I pay with a different debit card (my mums kindly offered) and their response way no, they will only accept my debit card, not even postal order.

I'm willing to pay, they are making it awkward for me to do so.

Any other suggestions?

spacey2012

That they are or they MAY ?

Silk

Duk wrote: »

I called them and said can I pay with a different debit card (my mums kindly offered) and their response way no, they will only accept my debit card, not even postal order.

I'm willing to pay, they are making it awkward for me to do so.

Any other suggestions?

Log into your ebay account and pay the sum direct to ebay using your Mum's card

fatbelly

Duk wrote: »

Hi,

I am currently ill undergoing treatment and have not been at work for 9 months. due to being ill I have not been getting paid well (only 20% my wage and SSP)

Yesterday I received a letter from IQOR saying that they are taking out a CCJ on me for the debt of £17 (ebay fees). At the time I am unable to pay until the end of the month.

What is the chances of them taking out a CCJ for this amount? I have explained I cant pay it but they are having none of it.

For such a small amount having a CCJ will cause me to lose my job and it is really worrying me..

There are are whole load of stages before this gets registered as a ccj.

I'm not going to bother listing them as this is not even going to stage 1 (a blue court claim form from Northampton court giving you 14 days (extend it to 28) to respond)!

Don't let their threats get to you. If you can make the payments in instalments over the next few weeks, you'll be fine.

ValHaller

Duk wrote: »

I called them and said can I pay with a different debit card (my mums kindly offered) and their response way no, they will only accept my debit card, not even postal order.

.....

Any other suggestions?

Exactly this - a postal order or another debit card. Let them screw themselves up. As long as you can show a court that you have offered to pay and they have refused, there will be no CCJ. Courts do not look kindly on wasters making debtors jump through hoops to pay and then taking up the courts time after they have successfully thwarted attempts to pay.

Write a letter stating that you have offered £17 by postal order and by another person's debit card, which has been refused. Tell them that your debit card is no longer available but the previous offer remains open. Get proof of posting from the post office ad keep a copy.