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  • Legal FAQs

    Accepting CCJ in Instalments

    I have received judgement against a director of an estate agency for £8k.

    The amount was to be paid in full within 14 days.

    He applied to vary the order and asked to pay £300 per month, which was agreed by the court and the order was varied.

    I would like payment in full and have appealed this order.

    The court have arranged another hearing date and asked him to produce his income/expenditure statements.

    What are my likely options?

    Can I still push ahead for full payment (he has stated he wants to avoid bankruptcy as it will affect his business) or should I perhaps ask for a higher monthly payment (last resort)

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    The court will weigh up his financial situation and tell you how much can be taken regarding installments .

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    sks, -

    Any little 'Private Detective' work you could do,  Company Accounts, maybe Google, Social Media search to find out bits of financial information.

    If you do find out ' some ' information, - and he starts to tell the court on oath some porkies, they will come down on him and order a higher amount than you might otherwise get.

    Who are the other directors, where do they live, their lifestyles - finances   etc.

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    He can play the system- its not difficult and  can even get the amounts reduced claiming a change of circumstances. Thats the risk you run by going back to court.

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    You need to do your research on him and put forward a case to show that he can afford to pay the whole judgment off.


    I had this with someone who was offering to pay of a £6k debt paying £80 a month and pleading poverty! She was driving a new Mercedes GLA which was not on finance so I applied to Court and presented the Mercs info. She admitted it was not on finance and that she had paid for it outright. She also had to admit that it was worth at least £35k. The Judge (leniently) gave her 6 months to pay in full; which she did about a week before the 6 months was due to expire.

    Bottom line is, I think you have to be able to show that the person is lying or at least able to afford to pay it off even if it means liquidating assets such as cars.

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