Reducing payment on ccj

vending_guy

I received a CCJ against me last year and have been paying it off monthly.
There is about £900 left to pay.
Due to situations beyond my control I may have to reduce the monthly payments by 60%.
Does anyone know what might happen to me if I do this ?
I am not trying to avoid any responsibilities just get through the next few months.
Thank you.

fatbelly

If the judgement is for you to pay X per month and you are going to be paying 0.6X then technically you have defaulted on the order and they could ask for enforcement e.g. by the court bailiff.

On the other hand they might just accept the reduced payment.

I'd suggest putting the suggestion first to the creditor but if this looks likely to cause problems, ask the court the vary the order.

Factsheet | Reducing payments or suspending a bailiff's warrant on a county court judgment

There will probably be a fee (unless on benefits or a low income)

vending_guy

Thank you for the reply and informative link.
My original plan was to pay the whole lot off straight away but because of the CCJ I could not get credit so I have been paying it off £250 each month. The creditor did not like it but there was nothing I could do. Now with most of it paid off I reluctantly have to reduce that figure. Is it likely that a creditor (private person) take me back to court and get bailiffs involved considering that I have almost cleared the debt ? Its not as if I have stopped paying completely .
If the creditor was to take me to court they do not know my address, so sending bailiffs might be difficult . However I do not want it to come to that, I want to get back to a good credit rating but at the same time I have to eat. I just need to know what I might have to prepare for.

fatbelly

If you're paying off £900 at £100 per month I would say that a reasonable person would think that acceptable.

It sounds like this would be difficult to enforce anyway if they don't know (1) your address, (2) your employer, (3) if you own property or (4) your bank details.

If you think any of those are possible (or likely) then you should follow the advice in the link. But that will involve revealing your address.

vending_guy

Thanks fatbelly,
I don't own property,I changed my job after the hearing,they don't know where I live but they do have my bank sort code and account numbers as I pay them via the net.
I appreciate your help, I will do what I have to do and come what may.

fatbelly

vending_guy wrote: »

Thanks fatbelly,
I don't own property,I changed my job after the hearing,they don't know where I live but they do have my bank sort code and account numbers as I pay them via the net.
I appreciate your help, I will do what I have to do and come what may.

If they wanted to, they could apply for a third party debt order to freeze that account.

If you want to be ultrasafe just use that account to process the £100 payment each time and switch your main bank (now is a good time to switch anyway).

But you are unlikely to have a problem with what you are proposing.

vending_guy

"If they wanted to, they could apply for a third party debt order to freeze that account."

That does worry me,I am in no position to change my bank.
I assume though they would have to go to court for that ?

fatbelly

They would have to fill out a form and pay a fee. It goes through the courts and there should be a hearing, after the account gets frozen.

https://www.gov.uk/make-court-claim-for-money/enforce-a-judgment

http://www.adviceguide.org.uk/wales/debt_w/debt_action_your_creditor_can_take_e/creditor_takes_money_from_your_bank_account.htm

but these things are not used very often.

Stephen-k

Pretty scary stuff but best to know than find out the hard way when checking to see if your wages are in the bank !
Thank you fatbelly