OK. Well, I have just spoken to cccs and they have said I should just continue to pay the new company the same amount as I was paying IM, and then see what happens....

Funny enough, yes, I got the PPI thing the other day and will be completing it at the weekend. From what I have been reading in the last few hours it is becoming apparent that this new company have no juristiction over my ccj and would have to go to court again to enforce it, so I will ask IM for a letter to confirm I no longer have to pay them and then see what this new lot do next.

OK. Well I agree with the 'don't respond to an email' , but if I keep on paying IM and they don't want the money I am not sure what will happen. I am going to write to the court, but judging by the lack of help they provided when I was first summonsed I don't expect a lot of help or advice this time! Thanks for all your input everyone.

Hi, well the CCJ is for IM, but IM have confirmed by email that I now have to pay the new DCA.

Hi, Thanks for the reply. I didn't apply to the court because Irwin Mitchell were so good about it and just accepted my reduced offer without question. The courts told me to pay Irwin Mitchell. Now this new company want me to pay them. I emailed Irwin Mitchell and they confirmed they are no longer dealing with Welcome's customers.

Hi all A few years ago I was helped on this forum when I received a County Court summons from Irwin Mitchell on behalf of Welcome Finance. I agreed a figure of £110 with the courts and that sum was paid regularly until I lost my job a few months later. I then contacted Irwin Mitchell, who agreed that I could reduce the payment to £10pm. I did so, and have continued paying that amount and I am currently still paying that. I received a letter today from a company called LRC, and it was a final demand for the Welcome Finance debt! I called them and they said that they had taken over from Irwin Mitchell and that I now should pay them and not Irwin Mitchell, and that Irwin Mitchell's reduced amount is no longer available. Can anyone tell me where I stand on this? Do I really have to pay LRC instead? Can they really increase the amount back to the original amount just like that? Thanks in advance for any help.

OK. Thanks everybody. Off to CAB today....

Thanks Ubiquitious I think you're right about them not being able to do too much. After all, they can't take what I haven't got. But I don't know how to respond to this thing from the courts. I don't think ignoring it is an option, but I don't know what I should do.

Please help someone - thanks! As I stated above, I signed the Tomlin order. Predictably, the monthly payments, due to start on Sept 1st, were rejected by my bank, as I simply can't afford them. Today I received a 'Judgment for Claimant (acceptance) form N30(1) from Ipswich County Court. It says; To the defendant You have made an offer of payment which the claimant has accepted. It is therefore ordered that you must pay the claimant £6227.30 for debt (and interest to date of judgment) and £360.00 for costs. You must pay the claimant a total of £6,587.30 forthwith. I phoned the court and said I cannot possibly pay that as I don't have that sort of money and I have no car and rent the house I live in. They said I have to pay it and that's that, so I should get legal advice. I haven't got any money for legal advice and don't qualify for legal aid. Please could someone advise what I should do as my wife and I are now pretty scared and we just can't pay or we would! I accept I owe them the money but I just don't have it to give. Thanks for reading everyone.

Too late! I already did sign it because I was so scared about court action. The court have written to me to say that because I signed it the action has been 'stayed'. I am now seriously considering cancelling the standing order, due to start on 1st, because I just can't afford it. All I really want to know is what will happen if I do cancel the S/O. I had been really worried about having a CCJ, but now I am not sure there is that much to worry about. My biggest worry is how much the court will tell me I have to pay.

Update and question; The court case was supposed to be tomorrow, but I received a letter from the solicitors asking me to sign a Tomlin order and a bank standing order. This meant that I would have to pay £60pm for 2 months then £110pm. If I stop paying, court action will continue. I feel I have been bullied into this and can't really afford it. If I cancel the standing order before the 1st payment and it then does go to court, is it likely that the court would make me pay more than that amount? I have no idea what the courts take into consideration when making their decisions, so if anyone could shed any light on that I would be grateful, because I just can't afford what I have agreed to. Thanks.

Excellent. I can't go to Barclays for the same reason you can't go to co-op! All the best.

Hi. I used them for a little while and the only problem is the complete inability to get hold of them on the phone. They don't offer internet banking, so everything has to be done by phone and they take sometimes over half an hour to answer. Other than that I thought they were ok and it was handy to know that your bills were taken care of and the money on your card account was your own to spend. I have changed to a basic co-op account now, which has internet banking. I don't know why co-op have rejected you; this account is specifically for bankrupts etc. Good luck

OK, I'll do that too. Although I can't see them getting any more than I've offered as I've already given the court my income and expenditure details and it doesn't make good reading! I can't really afford the offer I have made - I wonder if the court will reduce it? You never know....

ok. Thanks. I will do that. Thanks again for your excellent help!