CCJ on my credit file ,is it right ?

Oneeye1975

Hi , long story short i got into money issues during covid after losing my job but been working through it getting back on top ,however i got a letter from a solicitor chasing me for a credit card debt of £ 8000 ish and taking me to court over it , 1st they had been in contact with me regarding it , they  included a payment option which i filled out offering to pay £200 per month but they rejected it, they wanted £340 per month , i wrote back saying i can afford £200 for 6 months then could pay the £340 each month after that , they refused again and i got a court date

I appeared via video link  on the court date and the judge ruled that my offer of £200 for 6 months then £340 was acceptable and passed it .

I thought that that was it sorted but have just seen a CCJ on my credit file for  this ? is this correct even though i arranged a payment plan but it was them that kept refusing it before it was called to court

where do i stand 

MattMattMattUK

oneeyefrail said:

Hi , long story short i got into money issues during covid after losing my job but been working through it getting back on top ,however i got a letter from a solicitor chasing me for a credit card debt of £ 8000 ish and taking me to court over it , 1st they had been in contact with me regarding it , they  included a payment option which i filled out offering to pay £200 per month but they rejected it, they wanted £340 per month , i wrote back saying i can afford £200 for 6 months then could pay the £340 each month after that , they refused again and i got a court date

I appeared via video link  on the court date and the judge ruled that my offer of £200 for 6 months then £340 was acceptable and passed it .

I thought that that was it sorted but have just seen a CCJ on my credit file for  this ? is this correct even though i arranged a payment plan but it was them that kept refusing it before it was called to court

where do i stand 

Yes it is correct, they applied for a CCJ and got one, they can do that if you do not pay according to your contractual terms. The judge then agreed the payment terms, otherwise they could have taken enforcement action which would have been a lot more disruptive (apply to the high court, attachment to earnings etc.). 

fatbelly

Yes, most people do not engage and get a 'judgement in default' that orders them to pay the whole amount immediately. What happens next is some form of enforcement action, most commonly bailiffs.

You got a judgement  ordering you to pay in instalments. You can apply to 'vary' that judgement if it becomes unaffordable. No enforcement is possible while the instalments are paid.

If you want an instalment plan without a ccj, you would ask for a Tomlin Order. That keeps the process at one stage back from a ccj while instalments are being paid. But in your case it would have been difficult as you and the creditor did not agree on the instalments

https://www.stepchange.org/debt-info/debt-collection/tomlin-order.aspx