CCJ

nasim19

Hi all, 

I wonder if anyone can help. I have a CCJ on my car (which stupidly ignored but have my reasons) back in 2022, I have not received anything until now where I got a text from an uplift company who said they have been asked by debt collectors to uplift my car. I have called the debt collector asking to reset my arrangement however they are refusing to stop this action unless outstanding debt is fully paid. 

Is this correct or do I have a chance to fight this?! 

sammyjammy

Appreciate you have your reasons but not the best idea to ignore a CCJ against an asset that they are able to seize.    Its lawful for an enforcement agent to try and retrieve the asset or the money, your chance to come  to an arrangement now are slim.  You say reset the arrangement - what was in place and were you sticking to it?

nasim19

100% agreeing with you I shouldn’t have done that. Ccj asked me to pay 200 until cleared. And no i didnt. However I’ve heard from few people (this is why i brought this here, to get an accurate understanding) saying no other action cant be taken if CCJ is on. So basically they have to enforce that, the problem is also i never received the order in post which is one of my complaint points with them. So I am not 100% sure if CCJ says if payments are not made then seize the good. 

sammyjammy

The CCJ is what gives them permission to send people around to collect the debt because you've made the agree repayments.  Unless you can produce the lump sum its likely they will do so.  Contact them now, agree as much as you afford and appeal to their better nature, thats all you can do apart from cross your fingers.

nasim19

Ok thank you. 😊

I have but they are refusing my offer unless its paid in full. 

sourcrates

Judgements are made to either pay the debt in full immediately, or by monthly instalments.

If you fail to do either, and the debt is for an asset such as a car, then an order for repossession can be made.

That looks to be what`s happened here, unfortunately unless you can make an arrangement with the lender they are well within their rights to take your car, it will be sold, and any money left after paying off the debt will be returned to you.

Honestly this far into the process, you have little chance of keeping it.