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Statutory demand from 1st credit
I have received a sd from 1st credit today for a credit card debt appx 2.5k. I have a ccj with a different lender which I make a payment of £2 a month too. I have never been served this before and am seriously panicked hence posting on forums at 6 in the morning and being up all night worrying. I joint own with my husband a shared ownership house 25% really concerned will loose my house i have 2 kids under 7. Any advice on how to deal with this really don't want to sell house as private renting is much more than our rent and mortgage.....
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Re: Statutory demand from 1st credit
Hello Jandb:bump2:
I am just giving this a bump for you and I am sure someone will come along soon to help. Sorry to see you posting at such an hour. I wish I could give you some sound technical advice but I am in a rubbish situation myself at the moment. Do try not to worry. I know that seems a trite thing to say but it will just make things worse. In the meantime here is a big cuddle for you.:hug:
An optimist is someone who falls off the Empire State Building, and after 50 floors says, 'So far so good'!
~ Anonymous -
Re: Statutory demand from 1st credit
Hi and welcome aboardOriginally posted by jandb View Post
Apologies for not replying earlier.
We used to have lots of SDs here, then they just seemed to stop serving them. :ohwell:
You may want to take a look at this thread: http://www.legalbeagles.info/forums/...ead-here-first**Comment
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Re: Statutory demand from 1st credit
Hi there
Ok does the statutory demand relate to the CCJ? i just want to be clear on this point.
Secondly, do you have a Court order allowing you to pay by installments? Again we need to be 110% clear on this
A statutory demand is not necessary where you have a CCJ which is immediatley due and payable, in such circumstances a creditor with a judgment can elect to serve a bankruptcy petition, so i am surprised that they have issued a SD for a debt if it is subject of a CCJ.
Most important thing to do now is stop panicking, take a deep breath and lets try and see what we can do here to help youI work for Roach Pittis Solicitors. I give my free time available to helping other on the forum and would be happy to try and assist informally where needed. Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability.
If you need to contact me please email me on Pt@roachpittis.co.uk .
I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated.
You can also follow my blog on consumer credit here.Comment
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
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Acknowledge Claim - within 14 days from Service
Defend Claim - within 28 days from Service (IF you acknowledged in time)
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