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Two questions re: CCJs...


Mikeindebt
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New here and may be posting a few questions, hope that's ok :)

First ones:

1) If I have a CCJ that has a default decision against me, can i still make a full & final offer to the debt company directly?

 

And, if so, could I get the CcJ marked as settled if they accept this reduced full & final offer?

(though also considering a set aside as I didn't receive documents even though i haven't moved house or anything!

 

going to try to do a cca request too but maybe too late for this one?

Unless I can get it set aside by some miracle, considering in was in July this year (2022).

 

2) If a debt company (PRA Group) have already sent another debt to court but it's not been heard yet (scheduled for 23rd Jan), is it too late to ask for a CCA (loan) and also get a breathing space for 60 days, and put the court case on hold to avoid a new CCJ?

Thanks in advance :)

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1)a settled CCJ is as bad as a non settled one.

tell us the FULL history of the debt please, do you have the original claimform particulars of claim?

 

2) no it's not too late and send a CPR too. breathing space scheme won't now help you.

start a new thread about this one and fill in...

 

dx

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks - Getting late now so will digest all tomorrow & fill everything in.

So, breathing space won't be able to delay the court case?

 

Can I ask for the court case to be delayed?

 

Reason is I have a (serious) surgery on 16th Jan & no way I'll be able to defend myself for a couple of months (6 week MINIMUM recovery from this surgery).

 

hoping this is good enough of a reason to delay the court date?


 

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i think you would need to write to the court and the claimant to get it postponed and the claimant must agree too.

i'll check later

 

get the info up please.

 

dx

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Once you get to the DQ stage (Directions Questionnaire N180) you will be asked if there are any dates that will be not be suitable or you will be available.

 

That will delay the allocation of the claim.

 

Andy

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