NRAM

[PlanB]

Re: NRAM

The last contact with Marlin (Mortimer Sol) is a letter which provided the CCA agreement .

Did Marlin ever mention the CCJ? Maybe they don't know about it. It's odd for a solicitor to send you a CCA if they know they've already got a CCJ so the CCA would be irrelevant

[billywhizz]

Re: NRAM

So far in any of their letters CCJ is not mentioned.

I am sure they know may be they will use it at the end as last resort to pay.

[PlanB]

Re: NRAM

So far in any of their letters CCJ is not mentioned..

In which case you've no need to enlighten them in case they don't know about it. These debt purchasers buy thousands and thousands of these accounts at a time and they get scant information on them. It's often only your contact details and the amount outstanding.

If they want to start enforcement action then they'll also have to let you know (or the court will if they don't). If/when that happens you will have the opportunity to make your own application to vary/redetermine that CCJ to monthly payments which you can afford. I assume it was a "forthwith" not an instalment order which is why the CO followed?