Slight Concern 2 May 2022 at 8:57AM in Debt-free wannabe 5 replies 691 views

FrankieOJ

Hello all thank god for a website like this.

So i have a CCJ against me since January, the court said i should pay £100 each month, i had problems for the first 3 months but this month i was only able to pay them £60, i contacted them before to explain via email, i said and the other £40 i would pay a week later, then from the 25th contiune with the £100. I was doing so well for once paying it, feels good that the money i owned was slowely going down, this is with Overdales, are they humane enough to let this one pass, the dept stand at 595 from over 900.. They will get the money no problem its just this once i could pay 60 as explained, thanks for listening, hope you can put my mind at ease. Sorry for the grammar and spelling mistake.

FrankieOJ

Sorry, i meant "i have had NO problems for the first 3 months" sorry for that.

sourcrates

Actually you should thank Martin for this website.

Anyway, you have a judgement for £100 a month, which is unaffordable to you, correct ?

And you want to pay £60 instead, very easy to do, you could simply fill in court form N-245 (application to vary a judgement) send it to the court with the relevant fee (remission is available for low earners) and the court will change your payment amount.


Link`s here -

Form N245: Apply to suspend a warrant or vary payments made by a court order - GOV.UK (www.gov.uk)

Form EX160: apply for help with court and tribunal fees - GOV.UK (www.gov.uk)

datlex

Are you actually not paying the full £100 this month or just splitting the payment?  Is there anything in the ruling that says it has to be paid in one sum each month? FrankieOJ said:

Hello all thank god for a website like this.

So i have a CCJ against me since January, the court said i should pay £100 each month, i had problems for the first 3 months but this month i was only able to pay them £60, i contacted them before to explain via email, i said and the other £40 i would pay a week later, then from the 25th contiune with the £100.

fatbelly

I don't think you'll have any problems with Overdales who are just part of Lowell's debt collection business.

If the N245 is going to cost you, I'd leave it for now and just pay what you can.

The N245 has two boxes to tick: vary the order (i.e. reduce the instalment you pay) and suspend the (bailiff) warrant.

My feeling is to save the form until you get a warrant to suspend, which in 9 out of ten cases won't happen anyway.

sourcrates

fatbelly said:

I don't think you'll have any problems with Overdales who are just part of Lowell's debt collection business.

If the N245 is going to cost you, I'd leave it for now and just pay what you can.

The N245 has two boxes to tick: vary the order (i.e. reduce the instalment you pay) and suspend the (bailiff) warrant.

My feeling is to save the form until you get a warrant to suspend, which in 9 out of ten cases won't happen anyway.

Yea, just realised they only have £300 left to pay, may as well just carry on as they have been doing.

I was thinking they still had a ways to go with this, but it seems that`s not the case.

Lowell`s are unlikely to do much about it as you say.