Hello my name is XXXXX XXXXX I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.
Did the CCJ specify payment by installments or in one go please?
It was for instalments, and no payments have been missed. £5 per month, I believe that the judge was upset with the original bank for "splitting" the debt and so contractual interest was included.
In that case they have NO right whatsoever to demand payment any other way.
You can IGNORE any threat or whatever they say.
If they dispute it then they can apply to the Court to vary it.
But you have a Court order - keep paying in accordance with that.
Can I clarify anything for you about this today please?
Can they apply to the court to vary it though? They aren't the people I had a contract with, in fact there have been a number of organisations that have administered the debt between the original and now. If they go to court to vary it, do they need the original CCA etc?
No - they have no grounds.
You have a Court order - you have been paying.
You need not worry.
Thank you Alex, you've put my mind to rest. Brains and beauty are rare, I hope you go far in your chosen profession. Again, thanks