Hi
I have received a claim form, dated 1st Nov 2013. Unfortunately, I do owe the debt, but for some reason, they have claimed for less than the outstanding balance - £499.99 instead of £690.72. It seems very strange. I have a Capquest letter stating the £690.72 dated 5th Oct.
It is an account that I had with Shop Direct and I believe they bought the debt off them etc - although various debt collectors have been chasing me since I was in hospital 18 months ago and fell behind with all my payments due to loss of earnings and I had a baby shortly after and so my earnings have dropped way down - not to mention, I have a disabled child and find it difficult with both my husband's wages and care allowance to actually survive as it is. I know I should never have buried my head in the sand
My concerns are:
Does anyone know what I should do? I thought they should at least give a breakdown though. I'm sure the credit limit on this one was £550, so where did the £690 come from...? Although, perhaps that question is irrelevant seeing as they only claimed for £499.99.
Please help me, I know I am running out of time before judgement is entered and nasty bailiffs knock on my door.
Many Thanks
I have received a claim form, dated 1st Nov 2013. Unfortunately, I do owe the debt, but for some reason, they have claimed for less than the outstanding balance - £499.99 instead of £690.72. It seems very strange. I have a Capquest letter stating the £690.72 dated 5th Oct.
It is an account that I had with Shop Direct and I believe they bought the debt off them etc - although various debt collectors have been chasing me since I was in hospital 18 months ago and fell behind with all my payments due to loss of earnings and I had a baby shortly after and so my earnings have dropped way down - not to mention, I have a disabled child and find it difficult with both my husband's wages and care allowance to actually survive as it is. I know I should never have buried my head in the sand
My concerns are:
- I can't pay all this in one go. I actually have 3 other accounts that CapQuest are dealing with - also with Shop Direct (cos I had Littlewoods, Very and Isme) as well as about 5 other debts that debt collectors are chasing me for - all amounting to perhaps £5000 max. I don't open my mail anymore - well, until this came through as it looked very different.
- On the particulars of the claim, it reads - 'Part only of monies due under regulated Credit Agreement number XXXXXXXX Between Shop Direct Financial Services Ltd and the Defendent the benfit of which was assigned to the Claimant on 21-Dec-12. The Agreement terminated upon the Defendent(s) failure to comply with the terms of the Agreement.' Then it gives payment info. There is no breakdown - what concerns me, is that they can do it again and claim for more money or interest, it does scare me a bit as why claim for part of the money only?
- As this is one debt they hold for Shop Direct, why did they not put them all on one claim form? Will they just keep trying to sue me?
- Obviously, I owe the money, but what do I do if I can't pay it back straight away? Or at least very tiny payments? We are behind with household bills and have a council tax liability order already as it is and we are renting and don't own our own house.
Does anyone know what I should do? I thought they should at least give a breakdown though. I'm sure the credit limit on this one was £550, so where did the £690 come from...? Although, perhaps that question is irrelevant seeing as they only claimed for £499.99.
Please help me, I know I am running out of time before judgement is entered and nasty bailiffs knock on my door.
Many Thanks
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