CCJ gone horribly wrong

ginja_ninja_2

I'm typing on behalf of a friend who is in a bit of a state (and will no doubt be logging in herself when she's back from school!)


She received the claim form from HFO debt collectors re; debt on a loan, the court never received her offer of payment, judgment was made on 1st May. Phone call today from HFO saying we won ha ha we are going to take your belongings (kind of thing) and she also received some paperwork today relating to a hearing in Guildford (not Northampton) in relation to the same debt. She phoned Northampton to find out why payment plan not accepted - they confirmed that they never received it and that HFO were now applying to have a charge over her property for the amount outstanding. She was also told that she could respond to the guildford paperwork by downloading a couple of forms (the reference numbers aren't to hand at the mo) at a cost of £35 and £75 respectively (!!!!) and that she could ask for the hearing to be transferred to a local court so that she could attend and offer a defence and payment plan rather than the charge.

Does any of this make sense? Does anyone have any advice as to the best way to deal with this? She doesn't have any equity in her property (which is jointly owned by hubby) and is prepared to make an offer of payment.

Thanks

angeldiva

I'm sorry I don’t really have good advice to give you but I thought I would bump your post in hope that other, more knowledgeable people will be able to help
Thanks

Waspeze

I know you can dispute a ccj, not sure about the technical side of it though but the CCCS said I could dispute mine if I wanted to to try and get reduced payments (it wasn't worth it for me though, didn't pay any of it anyway as knew I was going BR)

colnkits

The advice I had from CCCS previous was

Did she send the paperwork back in time to the creditor? If so does she have any proof i.e. was it sent recorded delivery?

If not what she would need to do is complete an N245 this basically gives you the option to vary the judgment. She can get one of these forms online or from your local county court – I think the charge for this is £35.

I'd send everything recorded delivery from now on so you can prove you've posted it and also if it's been received.