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  • FIRST POST
    • Burnsy420
    • By Burnsy420 5th Aug 18, 7:40 PM
    • 1Posts
    • 0Thanks
    Burnsy420
    CCJ received cannot afford increments
    • #1
    • 5th Aug 18, 7:40 PM
    CCJ received cannot afford increments 5th Aug 18 at 7:40 PM
    Hello all,

    So as the title says i have recently received a CCJ in the post stating i owe 545 which must be paid in increments of 75 a month which is virtually impossible at the moment im just looking for advice since i am stuck at this moment i dont even know how to go about paying this since i think its cheque and i have no clue since never used those, and i am not sure if they will accept a lower increment? 75 isnt far off what i can afford, im just very worried about what is going to happen if they refuse to lower the amount.
    Thanks
Page 1
    • fatbelly
    • By fatbelly 5th Aug 18, 11:14 PM
    • 13,107 Posts
    • 10,165 Thanks
    fatbelly
    • #2
    • 5th Aug 18, 11:14 PM
    • #2
    • 5th Aug 18, 11:14 PM
    See if this applies

    https://forums.moneysavingexpert.com/showpost.php?p=33633191&postcount=2

    Can you afford at least 15 per month ?
    • sourcrates
    • By sourcrates 6th Aug 18, 1:02 AM
    • 15,877 Posts
    • 14,929 Thanks
    sourcrates
    • #3
    • 6th Aug 18, 1:02 AM
    • #3
    • 6th Aug 18, 1:02 AM
    Or, If its been longer than 14 days, you need to fill in court form N245 (application to vary a court order).

    Send that to the court to vary your payment amount.

    Note, there may be a fee payable.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
  • National Debtline
    • #4
    • 6th Aug 18, 9:21 AM
    • #4
    • 6th Aug 18, 9:21 AM
    Hi Burnsy420 and welcome to the forum


    Did you respond to the original court claim and make an offer of payment? If you did, you will have 14 days to ask the court to reconsider the decision. This is called a redetermination and is free.


    If more than 14 days has passed, or you did not respond to the original claim with an offer of payment, you will need to apply for a variation. You can find the details on how to do this, and the forms you need to fill in, here https://www.nationaldebtline.org/EW/factsheets/Pages/varyingpaymentsonaccj/instalmentsonaccj.aspx.


    Best wishes


    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
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