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CCJ related Debt

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  • CCJ related Debt

    Had a CCJ against a debt of 6000 approx. Agreed to pay 19 pounds a month which has beeen paid or the last 12 months and continuing payment without fail.
    Letter recd from the Solicitors. The debtor is proposing to give a discount of 15 percent to pay the debt and the credit file will be cleared once the the payment is completed.
    The solicitors also have registered a second charge
    on our house with the land registry when the ccj was issued. No mention of clearing the land registry once the debt is cleared.
    Your advice will be greatly appreciated if any one could help.
    I can not afford to pay what they are asking.
    Thank you.
    Tags: None

  • #2
    Hi

    Apologies that this was missed.

    How have you arranged payments?

    Via court? (Tomlin Order)

    wat
    CAVEAT LECTOR

    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb


    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.


    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

    Comment


    • #3
      Originally posted by charitynjw View Post
      Hi

      Apologies that this was missed.

      How have you arranged payments?

      Via court? (Tomlin Order)

      wat
      I am Paying direct to the solicitors/ by standing order every month by arrangement (court agrred amount)
      My question is :- Is there any possibility of negotiating a lesser amount to pay off the remainder of the debt and to get released the second charge.
      I am thinking of less than 3000 pounds with a difficulty from my savings

      Comment


      • #4
        I'd make a cheeky offer for it.

        I calculate that, at the current rate, it'll take about 25 years to pay it off? (Not that I'm much good with math!)

        If it were me I'd send a 'Without Prejudice' full & final offer, with a deadline to accept (2 weeks?) otherwise the offer is withdrawn.

        But don't pay a bean until written acceptance is given.

        You don't ask. you don't get1

        CAVEAT LECTOR

        This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

        You and I do not see things as they are. We see things as we are.
        Cohen, Herb


        There is danger when a man throws his tongue into high gear before he
        gets his brain a-going.
        Phelps, C. C.


        "They couldn't hit an elephant at this distance!"
        The last words of John Sedgwick

        Comment


        • #5
          Originally posted by charitynjw View Post
          I'd make a cheeky offer for it.

          I calculate that, at the current rate, it'll take about 25 years to pay it off? (Not that I'm much good with math!)

          If it were me I'd send a 'Without Prejudice' full & final offer, with a deadline to accept (2 weeks?) otherwise the offer is withdrawn.

          But don't pay a bean until written acceptance is given.

          You don't ask. you don't get1
          Thank you,
          Yes it will take 25 years or more to pay this off as at present.!
          Please could you help me to write this letter or if there is a standard letter in your site.

          I need to make sure that

          1, without prejudice
          2. Discharging the second charge on our house
          3. No more debt or satisfied mentioned on the credit file
          4. Any thing else
          Woulld appreciate your reply,
          Kind Regards,

          WAT

          Comment


          • #6
            I'd write something like

            [Your name & address]

            [Their name & address]

            [Date]

            Dear sirs

            [Any reference no. on letter]

            Re your recent offer letter dated [XXXXX]

            FULL & FINAL OFFER

            As you are aware, my outstanding obligation to you will take in excess of 25 years to complete.
            I am in no better position (financially) than I was when the current arrangement commensed.
            In fact I am probably worse off.
            But I have been given the opportunity to pay a significant amount of money to you as a one time full & final offer.
            I am prepared to offer [amount] under the following conditions:

            1/ All markers at all credit reference agencies, Trust Online & any other data sources are to be removed or marked satified in full.
            2/ The second charge on my property, [house name/no.], is removed.

            This is, by necessity, a time-limited offer.
            If I have not had a written acceptance of this offer from you within [14 days?] of the date of my sending this letter to you, the offer will have to be withdrawn.

            I look forward to your earliest reply,


            [You]
            CAVEAT LECTOR

            This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

            You and I do not see things as they are. We see things as we are.
            Cohen, Herb


            There is danger when a man throws his tongue into high gear before he
            gets his brain a-going.
            Phelps, C. C.


            "They couldn't hit an elephant at this distance!"
            The last words of John Sedgwick

            Comment

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