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trish | Can a company place a CCJ against me if I am paying a reduced amount and can't increase it? |
I have been paying a debt but they now want more money from me. I have never missed a payment with them, and they now want a financial statement to prove I cannot increase my monthly payment. If I don't provide it they say they will pass it to have a CCJ against me. If I can't increase can they also do this? |
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DAVID M
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Yes I am afraid they can. If you do not meet any obligation under the original contract they can seek a CCJ. The creditor might just be threatening you and does not really intend to get a CCJ so please dont make unaffordable promises you wont be able to keep.
If the worst happens then generally (generally being the operative word) you will have an option to make the same offer and let the court decide if its reasonable or not |
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Crazyjester9
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Did you have any kind of agreement in writing detailing the payment plan? If so, then the answer would be NO as you are making the payments outlined in the agreement.
If you did not have a written agreement, but have been making a set amount of payments (say $100 a month) then you could argue that there was an implied contract and the creditor could be bound by that. This usually works if you have made more than 3 payments in this amount.
If you didn't have a written agreement, you might also send a certified letter stating that you will continue making payments as previously agreed. Doing that might help your cause should they try to sue you. |
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Ms Fabulosity
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I would agree with all those who suggest getting advice from your local CAB asap. This company seem to be relying on what they perceive to be your "ignorance" of the law by saying they will "get" a CCJ against you; ONLY COURTS CAN GRANT CCJs!! And they don't give them out willy-nilly; you'd have to continually break the terms of a repayment agreement befoe the company could apply to the courts for a default notice.
It would also help to find out WHY the Company wants you to increase your payments; after all, they agreed the original repayments. Perhaps they think you are financially better off now than when you made the original agreement?
Doing a financial statement is a good idea from a personal standpoint; I didn't think I needed to do one and was amazed (i.e. HORRIFIED!!) at the amount of money I was spending on things like coffees, drinks after work, etc.
On the other hand, if you CAN pay more money you'll repay the money owed quicker, and so get these people off your case!
Good Luck :-) |
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Ian G
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So give them a financial statement then to show you cannot pay any more and they will be ok |
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davetumalty
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A company cant put a ccj on your credit file, A county Court Judgement can only be given by a court.
For one to put on your file you have to be summond to court |
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Peterr Olu
 |
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you because I like to do business with Honest people if you areintrested you will get the loan with out problem and for your information ifyou like to take a loan above $50,000,I can give only if you are in one ofthese cartigories: A Manager of a companyA private HolderA broker in banksA director in any office or companyA high investor of and compay If you are one of the following you can get $50,000, as loan or if personalloan you can request for 5,000-10,000, as loan. Send these info it is important in processing your loan immediately. Mind youloans are given to every part of the world only if i see you have informationbacking your identity and most importantly you must be honest to pay back afterduration.If you are interested you have to send the amount you need as loan so icould give you the terms and condition on the loan for your information loan aregiven to every part of the world to people who intend to be enterprenuers whohave the
drive to successed if you are honest apply for the loan now throughour loans agent officer contact.peterolu_loan@yahoo.com
Best regards,
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sillars_uk
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Dont think they can but agree with EmmaD that you should contact CAB. You may find that the CAB could reduce your payment to them if they think you cant afford it. |
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Emma D
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As far as i know, as long as you agree to pay what ever you can afford they cannot put a CCJ on you. they send threaten letters to make you pay up. if in doubt talk to your local c.a.b.Been there done that!! good luck |
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Ted
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If you won't prove your limited resources, the assumption is that you can afford more and are hiding it. |
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