Hi,
I have today received notification from Bank Smart of their intention to start legal proceedings against myself & my husband.
I did initially sign up with them way back in 2010 with a successful claim for PPI against Black Horse. They have now sent me a 'list' of invoices raised plus money paid to them from 03/03/2010 up to 20/01/2019. There are, in total, 6 invoices raised with the total they claim is owed on them as £1,521.01.
They state that the amount I will have to pay if this goes to court is £3,800.97 but I can avoid this if I pay £1,711.42 within the next 10 days.
I did have a payment arrangement with them, but, after communication ceased, so did my payment to them. I have paid a total of 45 payments of £50 plus 4 payments of £100 - a grand total of £2,650. The initial invoice in 2010 was for £2,340.41 which, on their statement of account, they confirm this balance now stands at zero. They then include 5 further statements, 2 of which they claim are 'Breach of contract' charges. These are from 2015/2016. I do recall them claiming PPI on mine & my husbands Barclaycard but I don't know what the 2 Breach of Contracts amounts are for nor the commission charge for HSBC PPI
I know I informed them in 2016 that my husband had suffered a major stroke causing him to have to take ill health early retirement. I also explained my situation had changed due to working less hours after having breast cancer. In 2019, I too had to take ill health early retirement due to major surgery for bone cancer.
To be honest I don't need these threats of court action. I am suffering with my mental health & my husband has no understanding of what any of this means.
Can you advise on what I need to do? There is no way I can magically come up with £1,711 simply to make them go away
I have today received notification from Bank Smart of their intention to start legal proceedings against myself & my husband.
I did initially sign up with them way back in 2010 with a successful claim for PPI against Black Horse. They have now sent me a 'list' of invoices raised plus money paid to them from 03/03/2010 up to 20/01/2019. There are, in total, 6 invoices raised with the total they claim is owed on them as £1,521.01.
They state that the amount I will have to pay if this goes to court is £3,800.97 but I can avoid this if I pay £1,711.42 within the next 10 days.
I did have a payment arrangement with them, but, after communication ceased, so did my payment to them. I have paid a total of 45 payments of £50 plus 4 payments of £100 - a grand total of £2,650. The initial invoice in 2010 was for £2,340.41 which, on their statement of account, they confirm this balance now stands at zero. They then include 5 further statements, 2 of which they claim are 'Breach of contract' charges. These are from 2015/2016. I do recall them claiming PPI on mine & my husbands Barclaycard but I don't know what the 2 Breach of Contracts amounts are for nor the commission charge for HSBC PPI
I know I informed them in 2016 that my husband had suffered a major stroke causing him to have to take ill health early retirement. I also explained my situation had changed due to working less hours after having breast cancer. In 2019, I too had to take ill health early retirement due to major surgery for bone cancer.
To be honest I don't need these threats of court action. I am suffering with my mental health & my husband has no understanding of what any of this means.
Can you advise on what I need to do? There is no way I can magically come up with £1,711 simply to make them go away
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