Advice on removing a CCJ please

sourcrates

You mentioned high court enforcement been a debt collector, they are not, they are the high court enforcement agents you see on the telly, bailiffs.

They will of added there fees to the total amount payable, around £800 plus court costs, plus the original debt and interest puts the figure around the £1600 mark.

My advice is to forget any idea of getting this set aside, you have paid the debt, and in so doing admitted liability, you would just be wasting another £255.

Check your credit files to see if it has been marked as settled.

fatbelly

info here

https://www.trustonline.org.uk/understand-judgments-fines/ccjs-and-county-courts/certificate-of-satisfaction-satisfied-vs-unsatisfied-ccjs

Geoff1963

Your payment of it will be viewed as an admission of the debt

If that is a general policy, I think it needs to be reviewed.

If a taxi driver / restaurant etc. demands an extortionate amount, the alternative to paying is a delay, or a trip to the police station. The general advice is to get a receipt, then complain to the company and / or the Council which licenses them.

PixelPound

Geoff1963 wrote: »

If that is a general policy, I think it needs to be reviewed.

If a taxi driver / restaurant etc. demands an extortionate amount, the alternative to paying is a delay, or a trip to the police station. The general advice is to get a receipt, then complain to the company and / or the Council which licenses them.

They are different. For the restaurant/taxi its a power imbalance that is time sensitive. That general advice is probably from a safety point of view as well.

MargaretBrazear

I'm very confused. Have you seen this CCJ in your credit file, or simply taken the word of this dodgy debt collector? If you received no papers or notification, you should be able to get it set aside without any problem but I would have my doubts as to whether a £150 debt would turn into £2,700 in such a short time.

Geoff1963

After much upset and threats from the debt collectors

I hope that paying the burly blokes standing on one's doorstep, isn't taken as acceptance ; because it might encourage them.