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Hello everyone, any advice would be greatly appreciated!
In a nutshell, about 6 years ago, I defaulted on a credit card (Lloyd's) and it went to court, judgement made and agreement made to pay in installments, I don't believe I ever made a payment, they then applied for a charging order which was granted. Right or wrong, advice online was to not worry about it as debt was in my name only and home is jointly owned.
2 or 3 years ago, I started receiving letters from Link Financial which was basically a statement of account, nothing more, nothing less, balance is always the same. Number to ring if I wanted to talk, never did so in the shredder they went.
Couple of days ago, received letter "Judgement (case number) In Arrears then instructions given to call them immediately or if I don't, their solicitors will be" instructed to take enforcement action" and bullet points of threats of action listed (can list if you like but it looks like a standard letter tbh).
Any initial advice would be greatly received and my apologies if this is posted in the wrong place!
In a nutshell, about 6 years ago, I defaulted on a credit card (Lloyd's) and it went to court, judgement made and agreement made to pay in installments, I don't believe I ever made a payment, they then applied for a charging order which was granted. Right or wrong, advice online was to not worry about it as debt was in my name only and home is jointly owned.
2 or 3 years ago, I started receiving letters from Link Financial which was basically a statement of account, nothing more, nothing less, balance is always the same. Number to ring if I wanted to talk, never did so in the shredder they went.
Couple of days ago, received letter "Judgement (case number) In Arrears then instructions given to call them immediately or if I don't, their solicitors will be" instructed to take enforcement action" and bullet points of threats of action listed (can list if you like but it looks like a standard letter tbh).
Any initial advice would be greatly received and my apologies if this is posted in the wrong place!
