CCJ question

baggyann

I have tried searching for an answer to my question but have been unsuccessful so far:mad:

Fingers crossed you guys can help??

I am simply wondering whether, once a CCJ has been recorded, it can be satisfied with a partial settlement offer as I have been managing two within a DMP for a while now. If I ever come into money could I offer lower amounts or could these now only ever be satisfied by repaying the balances stated on the judgements?

Would be very grateful for any thoughts/advice - thank you.

tasha999

Hi, we have a debt with a charging order. We are contemplating a full and final settlement and was told by CCCS that we can include them in making an offer so I imagine a CCJ should be the same.

Not entirely sure, hopefully someone with experience of this will be able to help.

fermi

Yes, you can. You would have to obtain confirmation in writing that they accept it as a full settlement and that they agree to the CCJ being recorded as satisfied by the court.

baggyann

Oh wow thank you guys, I was mostly expecting that to be a negative response so there is hope by the sounds of it!
Tasha - your charging order, is that a charge against the property? Because one of these CCJs haven't asked for a monthly payment but have put a charge on the property. Is that the same thing?
I'm in the process of attempting a re-claim on bank charges and if I'm successful I would love to clear these CCJs, I know it's a pipe dream but am unlikely to beagle to pay them in full either way.

Thank you fermi, if it happens I'll make sure it's confirmed in writing!

tasha999

baggyann wrote: »

Oh wow thank you guys, I was mostly expecting that to be a negative response so there is hope by the sounds of it!
Tasha - your charging order, is that a charge against the property? Because one of these CCJs haven't asked for a monthly payment but have put a charge on the property. Is that the same thing?
I'm in the process of attempting a re-claim on bank charges and if I'm successful I would love to clear these CCJs, I know it's a pipe dream but am unlikely to beagle to pay them in full either way.

Thank you fermi, if it happens I'll make sure it's confirmed in writing!

Yes that sounds like a charging order, we agreed to make a payment each month towards ours, only £40 though.

Really riled me tbh as we had other creditors that we owed three times as much to and they were fine with the reduced payments.

Good luck with the re-claim