Can i ignore a ccj

A CCJ remains on record for six years from the date of the judgement — if it is paid within one month, it is removed. As a result I obviously failed to respond and the ccj was issued. I only found out about it when my credit card company called they were reducing my credit limit as a result of the ccj. I got a copy of my credit report to get the details and contacted the solicitors that dealt with the claim. This will normally be in monthly instalments paid directly to the creditor rather than to the court.

If you think you would struggle to pay the monthly repayment amount, you can apply to have the terms changed. This will only be successful if you can demonstrate on the application form the reasons why you will not be able to afford the monthly amount. It can be done by completing form N and sending it to the creditor. The court needs to agree with you that there is good reason for the CCJ to be set aside.

Failing to agree repayment terms with the creditor will result in the court deciding an amount you are liable to pay. They could be seeking an attachment of earnings , or to secure against a property, depending on your circumstances.

If the debt is dealt with by an acceptable monthly offer of payment they may see no need in taking further action. If they do decide to use enforcement officers to recover the debt then their powers are limited to gaining peaceful entry. They can attend a property to seek the full payment of the debt or to list the goods belonging to the person named on the court order. After doing this they can return at a later date and take those goods to sell if the debt has not been dealt with.

If you do not allow them access to the property then they are unable to list any of your belongings that are inside the property but if you have a vehicle they may seize the vehicle. If you are unable to respond to the CCJ with a satisfactory payment arrangement then you should contact a free debt advice charity and see what options may be available to you. Once you have a CCJ awarded against you there are more serious implications than with other debts. If you ignore a CCJ, bailiffs are just one method a creditor can use.

The main consequence of bailiff action is the addition of large costs to the debt. Every time the bailiff calls, there are fees and costs added to the debt. It is possible to keep a bailiff out of your home but they will not go away. If they do gain entry to your home they will seize goods to the value of the debt.

Plus to cover their costs, for sale at auction. He said the form had a tick box to agree it was his debt. The limitations act stipulates after any period of 6 years without payment or written acknowledgment, a simple contract debt, will be statute barred, and you should inform the creditors of this immediately. From the dates given it sounds like the card was defaulted December Provided he did not acknowledge the debt between then and Dec , the debt became statute barred at that point, as the default is now considered to be the point at which the clock starts ticking.

Just send the letter and let us know what nonsense they come back with. MEM62 Forumite 3. WhenIam64 wrote: ». Don't forget that one a debt becomes statute barred, it cannot be un-barred, ie once that six years has passed, nothing you do such as admitting the debt has any effect. It's still statute barred. We shall never see their like again". O S Nock.