CCJ - Declined rate of payment offered

[mikehiow]

Last month I received a notice of a claim against me for £850.

 

I immediately sent off the included form admitting to the full amount and offering £40/m which would have seen it paid off in under two years.

 

The next contact I've received is today, stating that the claimant has objected to rate of payment offered and has issued a judgement against me demanding £1025 (including interest and costs) by instalments of £100.

 

£100/m is going to be a huge stretch for me at the moment.

 

The other factor is that I've just taken a new job that starts in three weeks and I was going to be applying for a flat on Monday morning. A CCJ is likely to obliterate any chance of that being successful.

 

Is there anything I can do?

[AndyOrch]

Well if you admitted it then its auto judgment.....irrespective of how much you proposed.You can request a redetermination to adjust the payment amount if you move swiftly...there is no fee.Not much you can now do with the CCJ im afraid.

 

Regards

 

Andy

[MrMerlin]

Why did you admit to it so quickly?

 

Have you written to the court to state you cannot afford £100 and supplied your income outgoings etc? There is a court form they send you for these calculations?

[Ell-enn]

You can apply to the court on an N245 form asking for the amount to be paid in affordable instalments (form affixed)

n245_form.pdf

[AndyOrch]

If you apply for a redetermination (judgment less than 14 days old) there is no fee.The N245 is mainly used to vary a judgment from forthwith to monthly with a fee...as yours is already monthly you need to redetermine the amount.

 

You can use the N244 or simply use the following template

 

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