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Ccj

Jr14
Jr14 Posts: 60 Forumite
in IVA & DRO
Does anyone know how long it would take in missed payments before being given a ccj? Currently waiting for my DRO to go through which may take a while and I'm starting to panic 😬
Tia

Comments

  • fatbelly
    fatbelly Posts: 23,138 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    edited 20 October 2017 at 9:56PM
    Somewhere between 'a long time' and 'never'

    Most debts never face court action.

    On the few that do, you can string out a defence for several months.

    Some debt management companies recommend token offers while you wait. It's a waste of time. Just concentrate on getting £90 together.
  • Jr14
    Jr14 Posts: 60 Forumite
    Phew thank you!

    I haven't informed any of my creditors re applying for a DRO as of yet but not sure ignoring them is best ��
  • fatbelly
    fatbelly Posts: 23,138 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Jr14 wrote: »
    Phew thank you!

    I haven't informed any of my creditors re applying for a DRO as of yet but not sure ignoring them is best ��

    I recommend ignoring them. Sometimes they get more aggressive if they think they are about to lose money.

    They'lL be informed when you get the DRO
  • ToxtethO'Grady
    ToxtethO'Grady Posts: 344 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    What's your debt balance? If it's near the £20K be careful as court costs and fees can bump it up. Anything above £19K I'd advise paying them a token £1 payment to stop them moving it on or adding charges if it switches to a new collections agency.
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