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CCJ help...

edited 30 November -1 at 12:00AM in Debt-Free Wannabe
18 replies 2.1K views
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  • sourcratessourcrates Forumite, Board Guide
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    K.O. wrote: »
    Thanks for your reply.

    Once I make the monthly payments that the court has asked me to pay... Will that show on my file? and if yes, will it be a positive thing?


    The damage has been done to your credit file already.
    This is because of :


    (A) The account defaulting
    &
    (B) The CCJ on your file.


    When its re-paid, it will show as satisfied.

    Paying it will stop further enforcement action, so in that respect it is a positive.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to:
    [email protected].
    Any views expressed are mine and not the official line of MoneySavingExpert.com.
    "I don`t trust Bankers, I don`t trust Banks, and I don`t trust you.........Private Frazer".
    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
  • Jamma20046Jamma20046 Forumite
    2 posts
    Hi All,

    Wondered if someone could help me out. Basically I received a judgement letter today from an online court in relation to some mystery shopping work I did last year (I’ll go into the details later) and I was very shocked to receive this. I have not received any claim form from the court which was allegedly issued in November last year. I called the court today and the lady didn’t really want to help me. She said there wasn’t a lot she could do.

    I want to know if there is any chance to get this judgement cancelled or if I should just pay it and be done.

    So this is what happened...

    I do lots of work for mystery shopping companies and I was approached by one to do an assignment where I sign up to a gambling site, wager some money and then complain to try and get bonuses applied just to test customer service levels.

    I could deposit up to £50 and would be paid £25 plus expenses.

    So I deposited the money, played for a bit. Ended up winning £500, so I was in a bit of a position. I carried out the task as described to test the level of customer service. Submitted all of my reports. They were approved and then the money was still there. I was never told that I couldn’t take it. So I withdrew it, 6 weeks later I was contacted by the company asking for the money back, stating that if said in the brief that any winnings would be removed from the account. I challenged this and said it was a tiny line in a large brief and nobody ever told me I couldn’t take winnings (they didn’t) the chap running the assignment even told me to ignore the brief and follow what he sent me in an email.

    My argument was that nobody told me directly I couldn’t keep the money. I did the assignment and it was all approved, then I took the money. They contacted me so long after saying I owed them £520 and that I needed to pay them back. I said that I didn’t agree and that I had spent the money so was unable to pay them back. We had a few emails going back and forth and the last one I got simply said your comments are noted.

    I then received nothing until the judgement in the post.

    Having spoken to the court I seeming have the option to appeal but it will cost me £255. Is this correct? if I do this based on the information would I likely win?

    I have spoken to the company again today on the phone. Offered them half the money even though I feel that I am not in the wrong. Then I offered them the money in £130 instalments over 4 months. They refused both offers.

    Obviously I don’t want a CCJ against my name so I need to do something but I’m at a loss as to what I do now.

    It says the due date is 31st January. If I pay before the end of Feb can I get it removed? Is that correct because that’s how I’ve read it?

    Should I pay it at all? The company are claiming they have had to pay the gambling firm back the money I took out l, should I ask them to prove this?

    Any help would be greatly appreciated.

    Look forward to seeing your replies.
  • -taff-taff Forumite
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    The tiny line said you couldn't have it, so, you couldn't have it. The brief I assume is the contract between you and the company?
  • Jonathan_KelvinJonathan_Kelvin Forumite
    317 posts
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    What are you looking for help with? It looks as though the written contract states that the winnings are not yours. The company wants the money back, and to avoid a lot of stress and effort you may as well return it now.
  • liamjrc97liamjrc97 Forumite
    1 posts
    First Post
    MoneySaving Newbie
    Received a 2xCCJ back in January an Paid for them both. (Was 2xparking tickets in the same day as I left and drove straight back in after to find a different spot and counted this as 2xparking sessions which I was unaware of)

    anyway to the point. The CCJ were for £185 each but the company was asking for £275 each. I paid £275 each and then bought the records to view my CCJs and they were both for £185. 

    Why have I had to pay the extra £90 each per ticket? thanks in advance 
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • sourcratessourcrates Forumite, Board Guide
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    Because it costs money to take you to court, it will be the fine plus costs, plus legal fee`s.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to:
    [email protected].
    Any views expressed are mine and not the official line of MoneySavingExpert.com.
    "I don`t trust Bankers, I don`t trust Banks, and I don`t trust you.........Private Frazer".
    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
  • GalloglassGalloglass Forumite
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    Why have I had to pay the extra £90 each per ticket? thanks in advance 
    You only needed to pay what was on the CCJ to get it "satisfied". The other £90 was a voluntary contribution to an education in the tricks of debt collection. 

    You'll not be doing it again
     it will be the fine plus costs, plus legal fee`s.
    No it isn't. The filing fee and the solicitor costs are both limited and included in the CCJ. It's just a try on to take advantage of the uniformed.

    Climbed the ladder to success in life? Take that ladder and lend it to someone less fortunate.

  • sourcratessourcrates Forumite, Board Guide
    22K posts
    Tenth Anniversary 10,000 Posts Name Dropper Photogenic
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    Sorry, Mis - read the post.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to:
    [email protected].
    Any views expressed are mine and not the official line of MoneySavingExpert.com.
    "I don`t trust Bankers, I don`t trust Banks, and I don`t trust you.........Private Frazer".
    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
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