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Hi all,
I am after some advice please. Last year I stupidly took a payday loan and defaulted against it, I made the claimant aware of the change in circumstance and looked to get something agreed. They were and always have been quite obstructive.
In January this year I received a court document at home, I responded via the Money Claim Online site (MC) and offered a proposal and part admission. On the MC site I noticed my address differed to my current address so advised them of the following in my response;
Claimant has not responded fully to complaint and disappointed at
action taken.
N9 form sent back to claimant with offer of monthly payment.
Also address on this website is ***, this is my old
address but unable to amend?
I was offered mediation which I accepted In June of this year however we failed to reach an amicable solution. Fast forward to this week when I received an email from the claimant saying Birmingham County Court had order me to pay £1500 by the 26th November.
I requested some further information and none was forthcoming, I was simply told to contact the court. On Tuesday and Wednesday I spoke with the court who advised that there was a hearing on the 26th October and neither I nor the claimant attended. As I had partly admitted the claim I was told to pay the above sum. Unfortunately the documents in relation to the hearing and the result were sent to the address that I haven’t lived at in over 3 years and I had told them was incorrect, see above.
I have now on a number of occasions expressed to the claimant I simply don’t have that money lying around and would they consider an agreement – at this point ill point out we had one in place and payment was made in September as promised. They have shut this right down and said unless the court states otherwise I need to pay the amount outstanding or further action will be taken.
My options as far as I can see are a variation agreement to the court, given the payment deadline is next week I assume this would not be processed in time and a CCJ would be awarded. What further options does the claimant then have to pursue this? Can they escalate and send bailiffs? Are there any other options I could take?
I am after some advice please. Last year I stupidly took a payday loan and defaulted against it, I made the claimant aware of the change in circumstance and looked to get something agreed. They were and always have been quite obstructive.
In January this year I received a court document at home, I responded via the Money Claim Online site (MC) and offered a proposal and part admission. On the MC site I noticed my address differed to my current address so advised them of the following in my response;
Claimant has not responded fully to complaint and disappointed at
action taken.
N9 form sent back to claimant with offer of monthly payment.
Also address on this website is ***, this is my old
address but unable to amend?
I was offered mediation which I accepted In June of this year however we failed to reach an amicable solution. Fast forward to this week when I received an email from the claimant saying Birmingham County Court had order me to pay £1500 by the 26th November.
I requested some further information and none was forthcoming, I was simply told to contact the court. On Tuesday and Wednesday I spoke with the court who advised that there was a hearing on the 26th October and neither I nor the claimant attended. As I had partly admitted the claim I was told to pay the above sum. Unfortunately the documents in relation to the hearing and the result were sent to the address that I haven’t lived at in over 3 years and I had told them was incorrect, see above.
I have now on a number of occasions expressed to the claimant I simply don’t have that money lying around and would they consider an agreement – at this point ill point out we had one in place and payment was made in September as promised. They have shut this right down and said unless the court states otherwise I need to pay the amount outstanding or further action will be taken.
My options as far as I can see are a variation agreement to the court, given the payment deadline is next week I assume this would not be processed in time and a CCJ would be awarded. What further options does the claimant then have to pursue this? Can they escalate and send bailiffs? Are there any other options I could take?
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