CCJ restons solicitors

[Missisl24]

Hi everyone,


I am very scared about some paperwork I received today.


I got divorced in 2007 and got left with a tremendous amount of debt.
I have been paying this off over the years but finally saw a debt counsellor about 4 years ago.


I got a copy of my credit report and contacted everyone on there and made small affordable repayments.


About 2 weeks ago I got a letter hand delivered and when I opened it it was from restons solicitors a CCJ form.
This debt does not appear on my credit file.


I thought I had 28 days to respond but today I got a letter saying judgement has been granted and I need to pay 1288 or it will be passed to bailiffs.


I feel sick at the thouught that a bailiff could turn up.


I am going to ring them tomorrow I tried tonight but they were shut.
Do they have to accept an offer of repayment or can they just demand full payment.


PLEASE HELP

[warwick65]

Re: CCJ restons solicitors

Hi
Do you still have the claim form that was sent?

What was the date on it?

Did you acknowledge the claim online or any other way ?

The letter, is it from the court or from Restons. Maybe you could post it up removing identifiable info

[Missisl24]

Re: CCJ restons solicitors

I havent returned it as I thought I had 28 days.
Letter from court saying ccj has been passed and I must pay restons.

[warwick65]

Re: CCJ restons solicitors

OK

When you get a claim form you have 19 days from the date on the form to acknowledge the claim, otherwise they can apply for a default judgement which it appears they have done

There may be a chance to get it set aside but I am not sure how you would do that

You can make them an offer of payment- what you can afford and if they will not accept it you can apply to the court for a re-determination but that costs money unless you are on a low income [MENTION=5553]charitynjw[/MENTION] [MENTION=6]Amethyst[/MENTION] [MENTION=87380]Diana M[/MENTION] [MENTION=551]pt2537[/MENTION]

[Missisl24]

Re: CCJ restons solicitors

Ok.
I presume they do not normally accept a repayment once judgement has been entered.
I am so worried

[warwick65]

Re: CCJ restons solicitors

Well I can only tell you my very old ccjs were repaid at £5 a month. They should accept a payment plan

[Missisl24]

Re: CCJ restons solicitors

Thank you.
I don't think I will be getting much sleep.

Thanks again though

[Missisl24]

Re: CCJ restons solicitors

****UPDATE****

I phoned restons this morning.
I set up a payment arrangement that I can afford.
The lady who took my call was very nice and helpful.

Missil