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Hello my name is ***** ***** I will help you with this.
Did you not file a defence when the claim form came through please?
no I did not file a defence
When was the CCJ?
I didn't think I had to, the CCJ was issued on 23/1/14
The problem is this.
You can apply to set aside if you have a defence, which you do
But the rules also require that you act promptly.
You have done nothing
You need to complete form N244
There is a Court fee to pay as you are applying to set aside.
The fee is £155 but if you are on benefit or low income you may be entitled to fee remission
In your application you need to say why you don't owe it and why you have waited since January, some 8 months before making an application
If the Judge believes you then the CCJ will be set saide
* aside *
Can I clarify anything for you about this today please?
Yes what can they do I never had any instructions from the court to pay monthly, I received the letter late as I was away, I assumed the CCj would be registered and stay on the file for 6 years.
You can apply to the Court to vary the order so you can pay monthly if you want.
And yes, its on file for 6 years from the date of Judgment
But if you contest the CCJ as a whole you need to apply to set aside
Does that help?
I don't want to pay this, they had the phone back, I do not owe the money
Yes which is why you have to set aside the CCJ
If there is a CCJ - you owe it
It can be enforced
If you don't agree you owe it you need to set it aside.
But clearly the delay will cost you the £155 application fee, which is something you wont get back
In what way can the enforce this
Bailiffs, make you bankrupt, attachment to earnings, charge on any property you own, freeze bank account
Does this answer the question for you today?
Thank you, ***** ***** bit frightening. I signed up for the £30 didn't realise it was monthly, can I just have the free trial, what do I do to cancel this. You were very helpful, but I won't use the service again.
For that you need to speak to customer services.
However if this answers the main question can I invite you to rate my answer today please?