CCJ for outstanding bill

[MelissaDowe58]

Hi there,

I have just had a letter that i have a CCJ for £350 from a previous card machine company.
I had no contact from them so this was out of the blue, no p[hone calls, no emails etc.

I am so furious as my new card company said they would deal with the outstanding fee when changing.

I have decided that as these machines have been left here and not collected i am tempted to charge a storage fee and send they a bill for £400.

has anybody ever done this?

thanks
Mel

 

[JEREMY HAWKE]

I would pay the CCJ and get that sorted out You somehow over looked it and this will now have an effect on your credit rating This could escalate if the creditor sends the bailiffs to you and unless you like fighting in the street and getting a bit of smoke on I would get it paid

As for charging storage fees they already have a judgement against you and it will cost you the debt that you already owe to set it aside and reopen it.
Its not worth the agro you cant win them all My advise is to pay the judgement tomorrow

 

[Lisa Thomas]

If you don't pay the CCJ within 28 days it will affect your credit rating record.

Whether or not you can now retrospectively challenge because you received no notices etc is another issue but probably almost impossible and expensive.

As regards the suggests storage bill, I can't imagine you can pluck a figure out of the air.

I assume you don't have any agreement with them to charge them for storage so can't imagine how this would ever get off the ground, legally. Especially as you agreed to rent their machine, not the other way around.

I agree with Jeremy, pay the debt and move on.

 

[IanSuth]

you can always send a copy of the ccj and proof of payment to your new provider and see if they will recompense at least some of it by discounting your current charges if they or you have any record of their promise to cover fee for break of contract.

 

[MikeJ]

I am so furious as my new card company said they would deal with the outstanding fee when changing.

I'm sure you got this in writing, didn't you?

 

[Blood Lust]

Hi there,

I have just had a letter that i have a CCJ for £350 from a previous card machine company.
I had no contact from them so this was out of the blue, no p[hone calls, no emails etc.

I am so furious as my new card company said they would deal with the outstanding fee when changing.

I have decided that as these machines have been left here and not collected i am tempted to charge a storage fee and send they a bill for £400.

has anybody ever done this?

thanks
Mel

This sounds suspicious to me.

Did you receive court papers and a case number? There should have been paperwork come through asking if you intended to concede or dispute the case. And then if you disputed, a court case.

It costs more than what you owe to get you to court, and then more than what its worth again to enforce it if you still don`t pay. For £350 I would never pay it, it`ll cost them £2000 before they get £350 out of me.

 

[Lisa Thomas]

It sounds like the CCJ has already been awarded.

If not paid within 28 days it will go on OP's credit record, plus can then be escalated to court enforcement officers to take recovery proceedings to enforce the debt and collect assets to the value of the debt, plus interest, plus costs.

Based on your own comment, Bloodlust, this could then well escalate to £2,000 from a £350 debt...

 

[Blood Lust]

It sounds like the CCJ has already been awarded.

If not paid within 28 days it will go on OP's credit record, plus can then be escalated to court enforcement officers to take recovery proceedings to enforce the debt and collect assets to the value of the debt, plus interest, plus costs.

Based on your own comment, Bloodlust, this could then well escalate to £2,000 from a £350 debt...

Its been a while since I worked in the field.

Without checking, its £750 to get them to court, and after the court finds against the defendant, it costs yet more to go back and enforce the judgement with bailiffs. Hence, unless a debt is £2000 or more it literally makes no sense to pursue it, or to pay it.

But the OP should have received court papers asking them if they want to concede or defend it. If they don`t answer the court will find against them and notify them as to the outcome. So there should be paperwork not out of the blue `you have a CCJ`. Those court papers also have to be handed to the defendant or sent by registered post. So, unless the OP has left this information out, its very suspicious.

 

[Mark T Jones]

When was judgement made? Have you looked at 'set-aside' options?

Whatever, don't just ignore it - costs can escalate very quickly if this goes to enforcement.

Like others, I'm perplexed that you haven't received paperwork (how did you learn about the judgement?). Is there a logical reason, EG change of address, or use or a registered address who haven't forwarded things to you?

 

[Socio South West]

Hi there,

I have just had a letter that i have a CCJ for £350 from a previous card machine company.
I had no contact from them so this was out of the blue, no p[hone calls, no emails etc.

If you have received a letter saying there is a CCJ against you, information relating to that debt including the necessary notice before action and the hearing from which the CCJ has arisen should also have been sent to the same address.

Check this all very carefully immediately - but don't ignore.

My advice would be to get the CCJ confirmed as genuine before you part with a penny, but if it is genuine, sort it asap.

 

[Lisa Thomas]

Its been a while since I worked in the field.

Without checking, its £750 to get them to court, and after the court finds against the defendant, it costs yet more to go back and enforce the judgement with bailiffs. Hence, unless a debt is £2000 or more it literally makes no sense to pursue it, or to pay it.

But the OP should have received court papers asking them if they want to concede or defend it. If they don`t answer the court will find against them and notify them as to the outcome. So there should be paperwork not out of the blue `you have a CCJ`. Those court papers also have to be handed to the defendant or sent by registered post. So, unless the OP has left this information out, its very suspicious.

If judgement has been granted, as has been implied by the OP here, then it's already been to court. Simple small monies claim hearing online, I expect. If I was the creditor, I would pay the bailiffs to escalate. It's the best chance of getting funds back.

 

[japancool]

For the sake of £350 vs the hassle of dealing with the consequences of ignoring a CCJ - pay it and move on.