What/if to offer ccj?

LolStevo

Hope someone can help! In 2010 I went back to uni for the 3rd time and applied for tuition fee loan and maintenance loan/grant which were accepted as I had the letter off them that I had to take to enrolment!

I dropped out in the January as I got pregnant and stupidly just left it!

Couple of years later and 2 houses later I received court papers and stupidly put them to one side and was only when I checked my credit report another year later I noticed I had a ccj for the tuition fees for £4100 (£3200 fees the rest was interest)

Iv tried to fight this but gone in circles, I know it's been so long so was have spoken to the solicitor who has said to make offer of repayment

My question is, is it too late to fight or what should I offer to pay??? This one ccj is making it so hard for me to get anything!!! x

chanz4

what way fight, the loan was owed to be repaid if you dropped out?

LolStevo

Yeah I understand that, the ccj is with the university who say they didn't get the money from Student loan company so fell to me!

poppasmurf_bewdley

It's almost certainly much too late to do anything about the CCJ, even if you had had cause at the time it was issued.

You need to contact the court and make arrangements to pay in installments.

LolStevo

The court said speak to the solicitors, I phoned them and they asked me to email them an offer of repayment but as its £4000 I havnt a clue what they are likely to accept!

poppasmurf_bewdley

LolStevo wrote: »

The court said speak to the solicitors, I phoned them and they asked me to email them an offer of repayment but as its £4000 I havnt a clue what they are likely to accept!

I would have thought £50 per month would be a good starting point, but be prepared to be asked to prove what your ingoings and outgoings are. If you are on benefits only, then £10 per month should be acceptable by them.

If they don't accept what you believe to be a fair offer, then you can ask the court to make a decision, but they will insist on seeing your income and expenditure.

fatbelly

You could try making an offer via the solicitor but they may want a short timescale.

As this will currently be an order to pay the whole sum 'forthwith' if you are offering to pay in instalments, to cover yourself from most enforcement options you should get the order varied by the court to an instalment order. I would think £50 per month is a minimum, £100 better, provided it's justified by your inc/exp figures.

National Debtline explain here

https://www.nationaldebtline.org/EW/factsheets/Pages/08%20EW%20County%20court%20-%20suspending%20a%20bailiff%27s%20warrant%20or%20reducing%20instalments%20on%20a%20county-court%20judgment/Default.aspx

Lolstevo - if you've got other debts (I've just read some other posts) then you should do what others have suggested elsewhere and post a SoA so that we can see the whole picture. No point paying this if you are going to be unable to eat or pay rent. If you post a SoA we'll be able to give better advice

LolStevo

fatbelly wrote: »

You could try making an offer via the solicitor but they may want a short timescale.

As this will currently be an order to pay the whole sum 'forthwith' if you are offering to pay in instalments, to cover yourself from most enforcement options you should get the order varied by the court to an instalment order. I would think £50 per month is a minimum, £100 better, provided it's justified by your inc/exp figures.

National Debtline explain here

https://www.nationaldebtline.org/EW/factsheets/Pages/08%20EW%20County%20court%20-%20suspending%20a%20bailiff%27s%20warrant%20or%20reducing%20instalments%20on%20a%20county-court%20judgment/Default.aspx

Lolstevo - if you've got other debts (I've just read some other posts) then you should do what others have suggested elsewhere and post a SoA so that we can see the whole picture. No point paying this if you are going to be unable to eat or pay rent. If you post a SoA we'll be able to give better advice

Thank you! Will get onto SOA now! x