CCJ dispute

Hoping someone can give some guidance on this please.

I recently moved in with my partner. She unfortunately had a CCJ against her through unpaid water bills. 
She wanted to make amends for their past and approached the water company to find out more about the CCJ via online chat. The water company advised that £1,300 was needed in order to mark the CCJ as satisfied and asked if she could pay the amount in full.  She advised that she could not afford it in full. A repayment plan was agreed via online chat for a 48 month period to mark the CCJ as satisfied (via direct debit).
Fast forward several months.. the direct debit has been going through as planned.My partner had been saving money and had nearly the amount needed to pay the amount in full so contacted the water company to enquire about paying it off. The water company responded saying they made a mistake and actually to satisfy the CCJ the amount is actually £1,750. We were both shocked as the past several months was geared towards turning her life around and this has moved the goalposts completely.

The water company say there is nothing they can do, despite having an agreement in place for several months.


  • Cardew
    Cardew Posts: 29,036 Forumite
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    How did they advise, verbally or in writing?
    It might be worth taking the issue to the Consumer Council for Water

  • Hi Cardew, the advise was given via online chat - so in writing. We have all the chat transcripts saved.
  • MattMattMattUK
    MattMattMattUK Posts: 8,600 Forumite
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    They can change their settlement amount at any time provided that the settlement amount is lower than the judgement value + statutory interest. 
  • macman
    macman Posts: 53,088 Forumite
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    edited 2 March 2021 at 4:27PM
    You are aware that the CCJ will remain on her credit history for 6 years even if satisfied?
    What was the date of the CCJ?
    No free lunch, and no free laptop ;)
  • nic_c
    nic_c Posts: 2,928 Forumite
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    Depending on what was said on the Judgment, but if it continues to accrue interest, and several months have gone by, that could be the difference. 
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