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    • Beckyboo858
    • By Beckyboo858 15th Sep 18, 8:23 PM
    • 4Posts
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    Beckyboo858
    New plan wanted as CCJ has ended
    • #1
    • 15th Sep 18, 8:23 PM
    New plan wanted as CCJ has ended 15th Sep 18 at 8:23 PM
    Hi all,

    I am looking for some help. I have had a payment plan with the Marston Group for the last couple of years after a CCJ was awarded and the sent bailiffs round. The CCJ has now come off my file as it is after 6 years and the Marston Group have sent me a letter to contact them to set up a payment plan or the will start court proceedings. I wasn't aware that the payment plan had stopped.

    Does anyone know if this is normal practice after a CCJ has finished?

    Thanks

    Becky
Page 1
    • sourcrates
    • By sourcrates 15th Sep 18, 8:33 PM
    • 15,758 Posts
    • 14,813 Thanks
    sourcrates
    • #2
    • 15th Sep 18, 8:33 PM
    • #2
    • 15th Sep 18, 8:33 PM
    Hi,

    CCJ’s do not “end”, or become statute barred.

    Just because it’s fallen off your file makes no difference at all, the judgement is still live, and will be until satisfied.

    They cannot take you to court again for the same debt, but they can further enforce the original judgement.
    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/
    • Beckyboo858
    • By Beckyboo858 15th Sep 18, 8:35 PM
    • 4 Posts
    • 0 Thanks
    Beckyboo858
    • #3
    • 15th Sep 18, 8:35 PM
    • #3
    • 15th Sep 18, 8:35 PM
    Thank you for this, I didn't think it did so I just presumed I would keep paying them what I have been, but they want a whole new plan set up.
    • fatbelly
    • By fatbelly 15th Sep 18, 8:37 PM
    • 12,998 Posts
    • 10,070 Thanks
    fatbelly
    • #4
    • 15th Sep 18, 8:37 PM
    • #4
    • 15th Sep 18, 8:37 PM
    A ccj isn't 'finished' until you have paid it off.

    Why did your payments stop? How were you making them? Standing Order?

    It seems unusual for Marstons to be acting on a ccj - what was the debt originally?

    I also don't understand the threat. The court has already ruled on tis. The normal threat would be to send the bailiffs back.
    • sourcrates
    • By sourcrates 15th Sep 18, 8:38 PM
    • 15,758 Posts
    • 14,813 Thanks
    sourcrates
    • #5
    • 15th Sep 18, 8:38 PM
    • #5
    • 15th Sep 18, 8:38 PM
    Thank you for this, I didn't think it did so I just presumed I would keep paying them what I have been, but they want a whole new plan set up.
    Originally posted by Beckyboo858
    You are only liable to pay the judgement amount originally set by the court, no more, no less, if they want more money off you, they have to go back to court and get a judges say so.
    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/
    • Beckyboo858
    • By Beckyboo858 15th Sep 18, 8:47 PM
    • 4 Posts
    • 0 Thanks
    Beckyboo858
    • #6
    • 15th Sep 18, 8:47 PM
    • #6
    • 15th Sep 18, 8:47 PM
    The debt was for unpaid uni fees. The CCJ had 'come off my file this month but I am still making payments of 70 per month via card transaction (automatic on the 2nd of each month) with the last one going throufh on the 2nd of September

    It's all very strange
    • Beckyboo858
    • By Beckyboo858 15th Sep 18, 8:51 PM
    • 4 Posts
    • 0 Thanks
    Beckyboo858
    • #7
    • 15th Sep 18, 8:51 PM
    • #7
    • 15th Sep 18, 8:51 PM
    Ah have just re read the letter and it states that if a payment plan is not agreed then they will send bailiffs round as it is a high court fit

    Just think it's strange that I wasn't told the payment plan I had had stopped
    • fatbelly
    • By fatbelly 16th Sep 18, 4:42 AM
    • 12,998 Posts
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    fatbelly
    • #8
    • 16th Sep 18, 4:42 AM
    • #8
    • 16th Sep 18, 4:42 AM
    Continue paying the 70

    Do not allow the bailiffs entry to your property. They are not allowed to force entry, regardless of what they say, unless they have previously been in and accessed your goods.

    HCEOs can be bullies, and Marstons have form on this. The story makes sense now.

    If this is part of a bigger debt problem, you do need to take advice, and National Debtline is a good place to start.
    • sourcrates
    • By sourcrates 16th Sep 18, 10:58 AM
    • 15,758 Posts
    • 14,813 Thanks
    sourcrates
    • #9
    • 16th Sep 18, 10:58 AM
    • #9
    • 16th Sep 18, 10:58 AM
    Continue paying the 70

    Do not allow the bailiffs entry to your property. They are not allowed to force entry, regardless of what they say, unless they have previously been in and accessed your goods.

    HCEOs can be bullies, and Marstons have form on this. The story makes sense now.

    If this is part of a bigger debt problem, you do need to take advice, and National Debtline is a good place to start.
    Originally posted by fatbelly
    4.42 am !!

    Early morning or late night ?
    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/
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