Originally posted by dendroid
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Please just acknowledge the claim then you have 33 days from the issue date on the claim form to sort out what you're going to do. Even if you go on to enter a defence, so long as it isn't insane, there's still nothing to stop you negotiating settlement - in fact after a defence is filed the court suggests mediation to come to a settlement. Nothing terrible is going to happen.
As it happens as your case is a student loan then no the CCA is pointless as it's not that kind of a loan, and 'all' you need to do is talk to the claimant about trying to get back to deferring the loan until your earnings as a peanut collector ( is that to do with the elephants? ) are of the relevant level to start payments through the system, or otherwise sorting out instalment payments.
CAB are a pain in the bum though, National Debtline will say enter an admission and offer to pay and accept your fate with the CCJ …. personally, I would talk to the Claimant and tell them you've received the claim and want to get it sorted without having a CCJ against you, they'll likely go through income and expenditure ( which is why I thought CAB would be best placed to assist plus they should know how the student loan system works with regards Euridio - but Nat debtline should be able to help with an IE sheet anyway) and come to an agreement on affordable instalments if you can't go back to deferring. I'm afraid I don't know what they are like to deal with directly - but if you do negotiate something with them ask if the court claim can just be stayed in court while you make the payments ( normally a consent order is drawn up as agreement that while you make payments the claim remains on hold, and if you default on the payments they obtain a judgment )
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