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Information to court debt needed- urgent
sdoherty1000
Posts: 135 Forumite
Long story short we had some windows installed in 2005 and ran out of money before we could pay. Went to court and a ccj added to my file. I agreed to pay £40 a month untill the debt was clear. Anyway long story short I am paying £100 a month and I have been since March 2008 (minimum £7200) I have no idea what/ how much I have paid prior to my paperwork in 2008. This morning I have received a letter from the debt collection agency showing me a balance of £2250.00 left to pay which I cant afford to do in full.
The original total was for £5000. Can I write to the courts and ask them to conclude the remaining amount since I has already paid so much money to them as to date at a guess I must of paid in the region of around £9000 with £2250 left to pay.
Can a debt of £5000 really turn into a debt of £11000 legally? I am at the end of my tether with this debt and it is really getting me down
The original total was for £5000. Can I write to the courts and ask them to conclude the remaining amount since I has already paid so much money to them as to date at a guess I must of paid in the region of around £9000 with £2250 left to pay.
Can a debt of £5000 really turn into a debt of £11000 legally? I am at the end of my tether with this debt and it is really getting me down
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Comments
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What was the figure at the time of the CCJ?0
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I dont have a copy of the ccj- What information is held on this website? http://www.trustonline.org.uk/search-yourself0
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I have just used the website mentioned above and it says I dont have any ccj's so I dont know whats going on. I know the writ was renews last year in 2012.0
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Maybe ask national debtline?
They keep a record for 6 years I believe and maybe getting it renewed does not re reregister the CCJ with trust online on your credit file, as valid for 6 years.:beer:0 -
https://www.nationaldebtline.org/EW/factsheets/Pages/18%20EW%20County%20court%20-%20interest%20charges/Default.aspx
Have a read of this, but contact national debtline.
Also, can you contact the court for a copy of the judgement? Worth a try.
And remember that dcas lie.I'm Debt Free :j 2/09/2013
Debt at LBM 30/04/2010 £24,109.38,0 -
A writ is for enforcement not re-registration of the CCJ so is not reorded on the registry trust.Still rolling rolling rolling......
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Will the debt collector have a copy of the ccj on his file?0
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sdoherty1000 wrote: »Will the debt collector have a copy of the ccj on his file?
All info a DCA will have will be a name and an amount, that's usually it !!I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
If you originally agreed to pay £40 per month when it went to court, why then were you paying £100? could you clarify please. Do you still have the paperwork/letters from when it went to court?
I had a similar situation when I was taken to court twice by Barclays, was paying £40 a month for years, but had no idea what I owed or how much I had paid off, but I eventually went bankrupt so that debt went down on the list and is now gone 0 -
I wondered that. Did it ever actually go to court? Has the DCA pulled a fast one?I'm Debt Free :j 2/09/2013
Debt at LBM 30/04/2010 £24,109.38,0
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