Repaying ccj

Efc456

I have a case next week which is for around £7000. If I lose, how much would I be expected to pay back? I have no possessions of value apart from my car which I need for work and laptop which is for uni. I take home around £200 a week

Sazzie23

Hi I've never been in this situation so I'm only writing from Heresay.

Assuming they find against you, I'm presuming it's a debt and you do owe the money? I'm told the courts would look at your I&e (income and expenditure) and make a payment plan to fit your budget.

Have you been in touch with National Debtline for advice on what to do/say take with you. I'd recommend you attend if possible, as it looks like you are at least bothered about it, but take someone with you for moral support.

If you are having issues with debt, why not spill all on here and see if the good forum folks can offer advice. We all got here one way or another, and it's all about recovering.

National_Debtline

Hi EFC456, welcome to MSE.


If you have a hearing for a potential County Court Judgement then you should attend. If you have filed a defence you will need to take evidence to support your argument as to why you don't believe some/ all of the money is owed. If you are unsure what to take then I would suggest getting some legal advice if you haven't done so already. You can also take a SOA with you as a back up in case it is determined that you need to pay the debt and you cannot pay it in a lump sum.


In that scenario you can ask the court to set a payment structure on the judgement, but that would be at the courts discretion, they may expect you to file a separate application to set up payments on the judgement (known as a variation application). Good luck,


Laura
@natdebtline