We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

CCJ dispute

Options
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.

Comments

  • Cardew
    Cardew Posts: 29,060 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Rampant Recycler
    How did they advise, verbally or in writing?
    It might be worth taking the issue to the Consumer Council for Water https://www.ccwater.org.uk/contact-us/

  • Hi Cardew, the advise was given via online chat - so in writing. We have all the chat transcripts saved.
  • MattMattMattUK
    MattMattMattUK Posts: 11,208 Forumite
    10,000 Posts Fourth Anniversary Name Dropper
    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: 53,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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 ;)
  • PixelPound
    PixelPound Posts: 3,058 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.