Help Please CCJ Arrow

Lottie_Dottie_

Hello, hopefully someone can help. 

I've had a number of defaults, they all dropped off my credit file, paying a small amount but I stupidly took my eye off the ball and stopped paying some (stupid I know) and quickly ended up with a CCJ back on my file. The debt is an old BoS debt (£6.5 K plus the CCJ costs), now owned by Arrow, Drydens are the solicitors. I didn't recognise the letter before claim - I know now!

Anyway, I dealt with it and replied to the court well within time and the payment plan of £25 a month was accepted. On Saturday I received a letter from Arrow which I don't understand. It says 

Your Running credit agreement between *** and *** (now Arrow) dated **** and numbered ****

This notice is about default sums and is given by us under the CCA 1974

The following default sums have become payable under the agreement 


4/1/23 Issue costs £100

4/1/23 Issue fees £455

Total amount of default sums £555

This is the date of the CCJ. As I understand it the court costs have been added to the debt already so I'm unsure what this is.


My plan is to settle this debt eventually, and to offer FF settlements to the others so I don't end up in this situation again. 

Thank you in advance

fatbelly

Well the court has ordered you to pay X by instalments of £25 so you just do that.

When you have paid the sum in full you can stop and Arrow can whinge.


I suspect they're just trying to comply with the Consumer Credit Act but not entirely sure

Lottie_Dottie_

fatbelly said:

Well the court has ordered you to pay X by instalments of £25 so you just do that.

When you have paid the sum in full you can stop and Arrow can whinge.


I suspect they're just trying to comply with the Consumer Credit Act but not entirely sure

Thank you. So do think this additional £555 can /will be added to the CCJ or is the CCJ the final amount I have to pay?

fatbelly

The ccj stands as the court issued it so there will be no additional amount and if Arrow try it you can ignore them

Lottie_Dottie_

fatbelly said:

The ccj stands as the court issued it so there will be no additional amount and if Arrow try it you can ignore them

Thank you 

Lottie_Dottie_

Sorry another question. Drydens have asked to review my CCJ payment. I thought this could only be done through the court? They hold 2 other debts (not CCJ's ) and have asked to review those too. I've offered settlements for those but there's a lot of to-ing and fro-ing with daft questions on their part. I was just going to reply with the information I have already given them for the other 2 debts but I'm not offering settlements for this one yet.

fatbelly

Yes if they want to change what the court ordered they must apply to the court to vary the order.

sourcrates

They can "ask" you to pay more, but can`t force you to do so obviously.

You can just ignore them, you don`t have to respond to such things, these requests are computer generated to be sent at random intervals, ignoring it will have zero effect on you.