Moriarty Law / Vivus / CCJ

matthew86ps

Hello. This is my first post so thanks for reading. I will try and keep this simple:


- Several thousands worth of debt incurred from a few years ago, paid most off through payments (not through DMP) and have settled many - currently have around £2000 remaining
- One debt was for the above, with Vivus - who have now gone out of business - apparently for £350 but with fees went to £700. I admit I have ignored this one (I'm not sure why)
- Has CCJ notification last week for £700 plus £56 extra interest plus £60 court fee plus £70 legal rep fees - new total £886
- A day after this they sent me another letter saying I may still be able to avoid court action
- Contacting them they said I can avoid by paying £886 within 6 months
- I advised I would pay £756 over 6 months (taking off the court and legal fees, surely not appropriate if not going to court)
- They declined and said only offer is £886 or CCJ


I have responded to CCJ so believe I have 28 days to deal with this from that date which was last Friday.


Can anyone tell me if this is fair/allowed? Can companies add on these fees before court action?


I have asked for original loan agreement but am yet to receive this. Should I make complaint about affordability as I see some are doing, or is it now too late? Could I go to Ombudsman for 'fair' amount to pay?


Any help is really appreciated. Thanks.

sourcrates

Hi,

Are you saying you received a claim form ?

If so then yes the fees are added to the claim and you become liable for them if you lose the case.

What type of debt was it ?

Was it CCA regulared ?

If so send a CCA request, if the company has gone bust they will not be able to comply, you will win by default.
You must follow the court process now.

Edit, i see you have already sent CCA well done..