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Ccj settlement advice

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  • Ccj settlement advice

    I have 2 ccjs with charging orders that I am up to date with. I had 2 letter this week from Restonís (who have them both). I am a bit confused about their approach. I have 2 queries.

    1. On debt 1 the balance is now about £1800 and I pay £10 per month as the court ordered. Restonís wrote to me to say they can settle for 50% if I pay by 19th November - this is not going to happen as I donít have the money - but my query is: if I was to settle this what would happen to the charging order? I understand you have to have watertight confirmations that they are not going to sell the debt on further - but Iím assuming I can get that if they have offered terms to me (rather than me asking them) but will they remove the charging order?

    2. On debt 2 the balance is about £900 now (about half the original debt) and I pay £65 per month. They wrote to me to ask for a financial statement stating that if they do not receive the information by Wednesday they have ďadvised their client to enforce the judgement debt by way of control, whereby a bailiff will be instructed to recover the sum due or levy in goods to the value of the warrantĒ. I have sent the information as requested but Iím wondering if they have the legal power to do this based on my not sending the figures - especially seeing as the court accepted my offer and I am up to date - wouldnít they need to go back to court to enforce further action?

    any info would be great - thank you in advance
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