I have now received my second CCJ

Atos

Hi everyone, just some background info first of all.

Around a year ago, i had received my first CCJ, in where i fortunately was able to come to an agreement with Arrow Global over a monthly installment plan. It's all going well, and i have kept up with the monthly payments without fault.

Though where i have personally let myself down, is in ignoring a second debt that i had which totalled around £6000. The non correspondence from myself has led to another CCJ being sent through my post today.

I am financially able to pay this debt through an installment plan (i can go as high as £150 per month). What i will find impossible to do is pay the debt in full.

This leads me to a question which is in the front of my thoughts. When i received my first CCJ a year ago, i might be wrong but i can remember in my research, reading how a second CCJ can be held against you, if trying to agree an installment agreement for a second time.

Does anyone who is more knowledgeable than me on this subject, know whether this is true? Will i have issues with the court in agreeing a monthly installment arrangement for my second CCJ? Will they now demand a full payment?

Again i might be totally wrong and be mistaken in what i did read a year ago. To rest my mind, i thought i'd ask here to the better informed.

Thanks in advance for any help!

longtermplanner

This "CCJ through the post" do you mean the court papers that you are being sued for the money, so are you asking what to complete on the forms? Or has a CCJ already been granted, so you are trying belatedly to come to an agreement with the creditor and vary the terms of the CCJ?

In either case, the fact that you have a previous CCJ is only relevant because it affects the amount of money you can offer to this one.

I have to ask, do you have other debts which you are not currently paying?

Atos

longtermplanner wrote: »

This "CCJ through the post" do you mean the court papers that you are being sued for the money, so are you asking what to complete on the forms? Or has a CCJ already been granted, so you are trying belatedly to come to an agreement with the creditor and vary the terms of the CCJ?

In either case, the fact that you have a previous CCJ is only relevant because it affects the amount of money you can offer to this one.

I have to ask, do you have other debts which you are not currently paying?

Sorry for the misinterpretation. I meant the initial court forms had arrived today.

I do have one other debt, which is of a small amount (less than £1000), which i currently am paying through a monthly installment plan with the debt collection agency.

I don't have an issue with what i need to fill in the court papers, as i know i am fully liable for the debt, and also know that i can get on the road of recovery by requesting for an installment plan. So i'm quite sure on what my intent will be to solve this second court order.

My query is more to do on whether the court will hold it against me for getting another court order, and whether there is a policy with the courts to not accept a monthly installment request for the second time?

That's my main worry.

longtermplanner

Atos wrote: »

My query is more to do on whether the court will hold it against me for getting another court order, and whether there is a policy with the courts to not accept a monthly installment request for the second time?
.

No absolutely not. Creditors may be irrational and hold grudges but the courts dont

On the income & expenditure form, put down the current CCJ and its monthly payment and also the £1000 and the monthly payment you are making to that. Those will reduce the money you have left to offer as a monthly payment to this CCJ.

This is only going to cause a problem if the amounts are way out of line.

Say CCJ1 for £2000 you are paying £300 a month, £1000 debt you are paying £200 a month. If you now offer £150 to this £6000 debt then this doesn't look reasonable, does it?