CCJ and mortgage advice needed

[sideways dan]

Afternoon all. My brother is looking at buying a house with his partner in the next year or so. He has recieved a claim form against him for around 6000 pounds (a loan from around 5years ago that he couldn't pay when he lost his job. He is now working) If he does not pay this then a CCJ will be issued against him. He has around 2000 pounds in savings. I would be willing to lend him the other 4000 to avoid getting a CCJ. My question is what is the best solution? Pay off the 6000 to avoid the CCJ or offer the creditor his 2000 and take the CCJ as his credit score isn't that good anyway and maybe wait an extra year before looking for a mortgage? Thanks in advance, Dan

[sideways dan]

That's what I thought to be honest. Just wish he'd told me about it sooner so we could have got it sorted before it got this far! Thanks for the advice, much appreciated.

[sideways dan]

As I said his credit score is pretty low to start with so not sure he'd be able to get a great deal if at all on a mortgage. Unfortunately we only have 8 days to sort it before it goes to the judge

[sideways dan]

Is it possible to call them and stop the CCJ though. I thought as the claim is already in process the only outcomes are pay the whole thing or offer instalments which would incur a CCJ

[sideways dan]

The debt was bought by hoist portfolio from Santander. They have put a claim in with Northampton county court which will result in a CCJ if not paid off in full. We can offer a part payment but that will result in a CCJ. But because of his bad credit it might just be worth doing it that way as he'll struggle to get a mortgage

[sideways dan]

Afraid not, he has ignored every phone call and letter that they have sent to him. Thought they'd go away. Idiot!

[sideways dan]

There is only an actual hearing if you dispute the amount, otherwise judge just looks at your i comings and outgoings and decides what you can afford!