Ccj help!

antrobus

xlnc99 wrote: »

they would not be allowed to add that much fees and interest. There would be a cut off point. Its just impossible and i know this because i have been in the same situation as the OP in regards to credit card.

CC APRs can be 30% or more. Who is it would not allow them? What is the cut off point?

xlnc99 wrote: »

Not sure you know what a consent order is, its nothing to do with the amount owed

Aka Tomlin order, see here;
https://www.stepchange.org/debt-info/debt-collection/tomlin-order.aspx

If you want a Tomlin order you must act quickly, as soon as you receive a County Court claim form in the post. You can only apply for a Tomlin order after the lender has issued a County Court claim, but before the judgment.

Not sure you know what a consent order is.:)

Ben8282

Interest is not added post default by DCA's to purchased debt.

xlnc99

@antrobus - not sure what your point is.

Very odd post.

I am fully aware how a consent order works as i have had several dealings with them and unfortunately have become an expert on the matter, which is not something to be proud off.

xlnc99

fyi - a consent order can be filed anytime a judgment is on your file. Whether its 3 months or 3 years

Robyn182

Sorry if you think I “avoided” answering the question.
He has never spoken to anyone from the debt agency. The last payment he made was 2012, then he moved house so had no further contact with anyone about it...until he was told about it last week from our letting agent. We even had a mortgage in principle 2 weeks ago also.

It’s a really scary time and we don’t know what to do for best.

[Deleted User]

xlnc99 wrote: »

@antrobus - not sure what your point is.

Very odd post.

I am fully aware how a consent order works as i have had several dealings with them and unfortunately have become an expert on the matter, which is not something to be proud off.

Not odd at all.
They were merely providing the correct information relative to the post.

[Deleted User]

xlnc99 wrote: »

they would not be allowed to add that much fees and interest. There would be a cut off point. Its just impossible and i know this because i have been in the same situation as the OP in regards to credit card.

Not sure you know what a consent order is, its nothing to do with the amount owed

Of course they can.

There would be late fees, over-limit fees, interest etc.

It will all amount up to a substantial amount.

Robyn182

Thank you all for your responses. We not are expecting to get out of paying the original debt. The person at the county court told us it was £1500. The company who has got the ccj against him is Lowell’s solicitors.

The replies to my post have been different, can anyone advise what our next steps should be. If the ccj was placed in jan 2019 can we get a consent order to have it removed and then pay the original debt off?

xlnc99

!!! wrote: »

Not odd at all.
They were merely providing the correct information relative to the post.

It would help if he could provide the correct information.......

Ben8282

Robyn182 wrote: »

Sorry if you think I “avoided” answering the question.
He has never spoken to anyone from the debt agency. The last payment he made was 2012, then he moved house so had no further contact with anyone about it...until he was told about it last week from our letting agent. We even had a mortgage in principle 2 weeks ago also.

It’s a really scary time and we don’t know what to do for best.

From the information provided the debt would appear to have been statute barred at the time the ccj was obtained. The ccj can therefore be challenged on those grounds but be sure of your dates.