PRA avoiding CCJ

gingerlinguk

Hi all,
Recently I cancelled my payment plan with Stepchange as I wanted to manage the debt myself.

PRA wrote to me asking me to complete an income and expenditure form or they would possibly apply for me to receive a CCJ. I therefore completed the forms straight away however, the next letter I have received is a court letter saying that I have to fill some forms in and pay court fees etc.

I called PRA who said they didn't received the returned forms and there is nothing they can do to stop proceedings.

Other than paying the £2000 debt that is from a Lloyds credit card which was defaulted in 2009. Is there any other way I can stop the CCJ?

thanks in advance

MovingForwards

How quickly can you get the money together, including solicitors costs, court fees and interest?

You could ask PRA if they would agree to you paying £500 pm (guessing the total figure), for 4 / 5 months and not request a CCJ be entered. They have 6 months from the date of issue to request a judgment else they need to apply to the court.

You could try and defend it, but you will still end up with a CCJ.

gingerlinguk

So you are saying I will get a ccj regardless unless the £2000 is payed?

Willing2Learn

Exactly what letter and forms have you received? Is it a Pre Action Protocol letter? Does it look like the letter and form in the link below?
https://debtcamel.co.uk/letter-before-claim-ccj/

Edit: And welcome to the forum

MovingForwards

gingerlinguk wrote: »

So you are saying I will get a ccj regardless unless the £2000 is payed?

Yes, it's your debt, they have issued court proceedings (probably jumped the gun, but I don't know how long it was between you receiving and returning the I&I to them, but that's debt firms for you), but unfortunately:

1. you either pay it all now,
2. file AoS to delay it a bit then pay it,
3. or try to get them to agree to defer applying while you pay substantial instalments.
4. Only alternative is they get a CCJ and you pay it within 28 days, but extra costs, fees and interest will be added.

It is a !!!!, it does stay on your file for 6 years, but after a while (4 years for me) companies start to ignore it, but it could be a problem with your job if you work in a financial institution, accountancy, law (huge oroblem if you are a solicitor, - or doing your training contract / LPC, Legal Executive, qualified paralegal or Step qualified) but some firms understand, utilities and insurance etc.

For car insurance some companies won't touch you with a barge pole, some are ok if it's under £500, some slightly higher. If you use a comparison site make sure you phone the insurer directly before taking out a policy to check they have no problems with it.

[Deleted User]

You can "stop" the CCJ by paying it in full within a month of the judgement date.

This will stop it appearing on your credit files for 6 years if unpaid or not paid in time.