Ccj for no reason

Dan2345

Hi there

I received a letter from the court advising that a previous company was chasing me for commission paid to me to be returned(long story)

I sent off the court forms back to the claimant advising that I would pay £75 a month to clear the debt.

I've now received a letter titled judgment for claimant (accepted) and in the small print it's advised that I will have this Judgment added onto my credit file? Is this letter saying I've now got a ccj?

If I thought I'd receive a ccj judgement I'd have fought it as I felt it was unjustified and I had evidence it prove it..

Is there anyway I can make an appeal?

Any help is appreciated

Thanks.

Thrugelmir

Why didn't you respond via the court?

Dan2345

Apologies that's what I did, I offered an amount on the form to pay back.

I was under the impression offering to pay it before judgement wouldn't then lead to a judgement ?

Tixy

If you complete the court forms to admit the debt then the ccj will be granted.

It sometimes can be possible to instead negotiate with your creditor instead and ask them not to take court action.

The only way to prevent the ccj being registered on your credit file is to pay in full within a month of judgement.

fermi

I'm afraid our impression was wrong. If you admit the claim and make an offer of payment on the N9A then leads to a judgement being entered.

Now as you presumably ticked the box on the form saying that you admit the claim in full, then I think you are going to find it very difficult to challenge the debt or judgement.

However, pay in full within one month of the judgement date and you can prevent it going on your file.

Dan2345

Oh no.


what if filed for it to be set aside? As I have evidence which would change the verdict.

Dan2345

The problem is I don't actually owe the money the md of the company had a vendetta against me.

Buzby

It will cost you money to obtain a SA, and then this causes the case to be reheard. However, you already advised the court you admitted the debt, so many judges would see this as a ploy and deny the request - having paid for it.

As for a vendetta... Sorry, that won't get you anywhere.

Dan2345

Can I approach the claimant and offer them a payment to have it withdrawn? I wont have £1300 in one payment but I could make it in two

MEM62

Dan2345 wrote: »

I have evidence which would change the verdict.

If your evidence is strong enough to overturn the judgement why did you not contest the claim in the first place rather than offer payment?


Your reasoning fails me. You either owe it or you don't yet you offered payment for a debt that you say you don't owe and only decide to challenge it when it becomes a CCJ.


Perhaps there is more to this than we understand.

Dan2345

Because I wasn't sure I would win.. That's why.