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Hello. I received fer days ago a letter from the County Court Business Center,Northampton about one debt I am having for Cabot Financial( 2700 overdraft Lloyds Bank few years ago(. My question is: should I pay?can I get rid of it(I saw soo many debts company that will help people to pay off 80%of the debts and I don’t know if all this is real). I am really stress, staying home mum, not working at all as I have a little baby and getting some Universal credit. What is your advice,please? Anyone have ever been in my situation? Thank you
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You are now being taken to court. Unless you respond and defend then you will end up with a CCJ against you. I think it is a bit too late to even try to make arrangements to pay less.
If you are on UC then the court might just have to make arrangements for you to pay. -
Acknowledge Claim on MCOL site detail top of court form tick defend all do not fill in defence at this stage
CPR 31.14 Request to solicitors requesting details of content they state on form only no charge for this
get proof of posting free keep copies of everything in date order!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
Directions Questionnaire
If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.
NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service
Defend Claim - within 28 days from Service (IF you acknowledged in time)
If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.
We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
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