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Hi there,Some advise needed if possible, please.I have a debt through HFC bank which Reston's have issued a CCJ for through Northampton CC. I have accepted the claim as i do owe the money, i wantot pay it back and am unhappy it has gone this far.cutting a long story short, i missed a payment on the CCJ and Reston's have sent my file for enforcement which will cost me more money.What can i di now as i do not have the money for the fee for the N244 form and payday is 3 weeks ago. Is there anything i can do to stop the claim going through until i have sufficent cash?
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Re: CCJ claim from Restons/HFC Bank
If you are in financial difficulty then you may get a fee remission on the N244 application fee.(form EX160 from Her Majesty's Courts Service - Home
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Yes you should apply for redetermination.
How much is the debt ?
Do you have a copy of the Judgment Order / agreement with HFC to pay monthly ?
On the original claim do you recall if they charged you an extra lump called a 'collection fee' ?
Have you received a notice of enforcement from the court or have HFC just told you it is going to ?#staysafestayhome
Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.
Received a Court Claim? Read >>>>> First Steps -
Re: CCJ claim from Restons/HFC Bank
Thanks for the reply Amethyst.The original debt was for £561.38 but including charges the debt gone court for Reston's was £726.38 (costs of £165) of which i paid my first instalment of £50. I have the orignal judgement for claimant acceptance notice and have recieved a notice of transfer proceedings letter dated 30/12/09 that the debt has been transferred to Coventry CC for enforcement.I have completed the N245asking for more time and to reduce the monthly instalment ot £40 per month.Comment
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Re: CCJ claim from Restons/HFC Bank
so, is the fee Restons have added illegal?Comment
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Directions Questionnaire
If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.
NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service
Defend Claim - within 28 days from Service (IF you acknowledged in time)
If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.
We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
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