Stressed

hudofohi

Hi all.
I won’t waste your time with a long preamble. I spent many years dealing with a gambling addiction - ignored bills, countless letters, phone calls etc.
Anyway, I recently discovered I have a CCJ. That’s not good at all, I know. I’ve not been at my mum’s house (trying to protect her from COVID) and discovered the letter about that last month.
I’ve also had papers in relation to another claim for an old Aqua credit card, that were sent on the 29th Dec. I spoke to someone from Mortimer Clarke today about this claim. I’m keen to avoid another CCJ on my record. The debt is £2.7k. They are saying that if I can clear it in 3 months I won’t get this CCJ.
I’m really worried about the impact of these CCJs.
I know these consequences are a result of my actions (inactions?) but I just wanted to ask if there was anything else I could do to avoid this second CCJ other than sell a kidney? I live pay packet to pay packet, with no savings or assets.
Thank you

fatbelly

If the claim was started on 29 December and you did not respond to the court within 14 days of service then I would expect that you now or soon will have a default judgement.

Even if you acknowledged service you are out of time.

if you pay it within 28 days of the judgement day it does not appear on your file.

Otherwise you just add it to your collection.

Might be best to run the whole situation past National Debtline to see if something like a DRO would work for you.