Help Please CCJ Arrow

in Debt-free wannabe
4 replies 185 views
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



Replies

  • fatbellyfatbelly Forumite
    18.4K Posts
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Forumite
    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_Lottie_Dottie_ Forumite
    4 Posts
    First Post
    Newbie
    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?
  • fatbellyfatbelly Forumite
    18.4K Posts
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Forumite
    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_Lottie_Dottie_ Forumite
    4 Posts
    First Post
    Newbie
    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 
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