Debt management companies- advice required

[dontletthemgrindyoudown]

A friend of mine (not me but a close friend) is considering a debt management plan to help with his debt problems.

 

From reading I see debts are prioritised but

 

what happens to those debts which are not priority but

 

where there is a ccj already in place and

 

where he hasn't kept to the agreed payments?

 

If this isn't the right forum, perhaps you could report for me.

 

Thanks.

[Ford]

'agreed payments' re the ccj, ie an instalment order? the ccj holder might try to enforce the ccj. that wld be first to address if want to avoid such enforcement.

the dmp provider shld advise accordingly.

but, if want avoid the fee charging providers, consider the free providers such as the likes of cab/moneyadvice/stepchange etc. or cag.

[dontletthemgrindyoudown]

Yes, an instalment order.

 

He paid one monthly payment but that was all.

 

The creditor requested an oral exam hearing.

 

He got scared and didn't turn up.

 

The court made a suspended committal order.

 

He's now in arrears on the monthly payments and the creditor has made an application for a further oral exam hearing

and the committal to become live if he doesn't show.

 

Presumably the only way to avoid going to court is to try to find the money to repay the ccj,

 

but he doesn't have any funds...

[Ford]

committal order! what is this 'ccj' for? council tax, ie an Liability Order?

[dontletthemgrindyoudown]

It's a private debt.

 

Apparently if you don't attend an oral exam hearing the court has the power to send you to prison.

 

He's missed one oral exam hearing and a suspended committal order was made, presumably to encourage him to attend the new hearing.

 

He agreed an instalment plan to avoid having to go to the hearing but

 

he's now in arrears and a new hearing date has been requested.

 

Presumably if he doesn't attend this new oral exam hearing, the committal order, currently suspended, will become live?

[Ford]

presume then is re this https://www.justice.gov.uk/courts/procedure-rules/civil/sched_ccr/ccrorder29

 

further details, and further input, required. as liberty may be at stake, flag yr thread.

 

in any event, yr friend must attend and put their case/proposal with an IE.

[dontletthemgrindyoudown]

Thank you. How do I flag this?

[Ford]

are you able/willing to post up further details if required? cause without which others may not be able to help much further.

[Ford]

Thank you. How do I flag this?

 

 

pm, with a link to yr thread, one of the site team (in orange) and ask if they can look in yr thread.

[dx100uk]

just hit the triangle

[dontletthemgrindyoudown]

Yes, of course I'm happy to post further details. Just tell me what you need. Thank you.