Lowell v Me

[sigee]

Hi guy's I could do with a little advice please.
Got a claim form today from the County Court Northampton for £672 plus fee's total £856
I have Acknowledged the claim and will be asking for a copy of the credit agreement.
My question is...Do they include my wifes earnings when deciding how much I should payper month (she has an iva).
I am disabled so my income is very low. I suffer from depression,anxiety and panick attacks as well as M.E. and several other things.
The reason for the claim is due to my mental health problems I tend to burry my head in the sand and hope it will go away.
Anyway I owe the money and want to clear it but wonder how much they will want.
We have a joint bank account and my money as well as my wifes earnings go into it.
I get contributions based ESA (support group) £230 every two weeks and £90ish per month dla.
Any advice would be very welcome. Thanks

[MIKE770]

Amethyst

[sigee]

Please,any advice. I'm in a right panik here. Thanks

[Amethyst]

Afternoon xxx

Youve acknowledged the claim and are sending CPR and CCA requests so you're doing good so far.

Can you tell us a bit about what the claim is actually for ?
Is the debt just in your name ? If so yes it will be based on just your income if it comes to you making any offer to pay.

Who was the original creditor ?
When did it default ?

If you can post the particulars of claim from the claim form form that will assist too pls.

Try not to worry - nothing awful is going to happen xxx

[sigee]

Thank you for your reply Amethyst.
The original debt was £500 owed on a Vanquis credit card in my name only. I honestly cant remember when I defaulted,must have been 2-4 years ago.
Lowells purchased my debt on the 29/09/2017.
In an ideal world I would like to pay the original debt back monthly but I doubt my mental health problems would be a good enough reason to dispute the interest or fee's.
Whatever the outcome I want this to go away asap.I would be willing to pay £15-£20 per month if that was exceptable. Do you think they would be willing to take such a small amount ?.
Thanks again for your help.

[sigee]

Anything ?

[MIKE770]

Amethyst

[Debt Camel]

There is a discussion here https://debtcamel.co.uk/ccj-monthly-payment-form/ about completing the Income & Expenses form that will determine how much the court sets as a payment to the CCJ - if you lose your case and get one.

Your wife has an IVA - do you have a house with a mortgage? You have a joint account with her so your credit record is already wrecked because of her IVA - a CCJ will not make it much worse.

ESA contributions based - do you know how long that will last for?

[sigee]

Thanks for the reply and the link. We rent and my contributions based benifits should continue untill I retire if I'm lucky. I realy dont care about my credit score as I dont intend to ever get a credit card or loan ever again.