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CCJ - can you still settle?
jules1973
Posts: 209 Forumite
I've been sent a CCJ to defend from Shoosmiths for a Vanquis CC. It's for £700. I will ask for longer from the court to see what I can do. Debt is two years old, defaulted.
Is it still worth going in with a settlement offer to Shoosmiths. I'd rather not have a CCJ, having avoided one so far. How much would be worth offering? My parents will lend me the money.
Is it still worth going in with a settlement offer to Shoosmiths. I'd rather not have a CCJ, having avoided one so far. How much would be worth offering? My parents will lend me the money.
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Comments
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Hi,
If Its a claim form they have sent, you need to respond to it quickly as you have limited time in which to do so.
It's always worth negoatiating with shoe smiths, courts prefer these things to be settled with mediation rather than wasting court time with them.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 -
Hi Jules1973,
Sourcrates is right that you do need to respond within the deadline dates. If you are admitting the debt then you should send the admission form in response. You can attach a settlement letter with this (no harm in trying), however, I am not sure what the creditors incentive would be to accept a settlement if you have no dispute and they have already incurred the court costs.
If they do get a CCJ then you have 1 month to pay the full balance to prevent the judgement being recorded on your credit file.
Laura
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
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