CCJs Payments

fiddle29

Hello - I have two CCJs from a time I was severely depressed after traumatic events which my creditor didn't take on board nor had I the knowledge or will to fight them for reprieve. Then the CCJs which I admitted to owing. I have been paying the agreed monthly payment which is all I can afford, however, the solicitor who looks after them for their client, Mortimer Clarke, constantly bombards me to increase the payments which I cannot. I thought if I paid the agreed amount I am keeping to the letter of the law but constant harassment is causing me a lot of grief and sleepless nights. Can someone advise how to handle them? Thanks.

[Deleted User]

personally I would tell them that unless they cease the harassment you will go back to the court that agreed the CCJ payments, that should shut them up, failing that mention the law society.

sourcrates

Hi,

You can ignore the vultures at Mortimer Clarke, you cannot be made to pay more than the court decided you could afford.

They can ask...... but unless the court orders you to pay more then there's nothing they can do! Sounds like they're just getting greedy and don't want to wait for their money in small installments.

Write back to them saying you are not in a position to increase payments above that ordered by the court, (don't fill in their evidence of means form!) then continue to make your payments on time. DON'T talk to them on the phone, they'll only try and bully you into increasing your payments.

If they do apply to the court to increase payments you will have the opportunity to challenge it (that's when you give evidence of your means!) - and given that you've been making your payments in accordance with the original judgment it is unlikely that they will succeed.

A simple letter is all that's required, advise them there constant calls will be deemed to be harassment, and they are effecting your mental health, also tell them that any further contact must be in writing only, otherwise you will report them for harassment.

Block their numbers on your phone, they will get the message.