Ccj form received today car finance

Sophief96

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Joined: Mar 2020

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Ccj form received today car finance

11th March 2020, 14:07:PM

Hi everyone I received a county court claim form this morning. I no longer have the car as I had a car crash (not my fault) When I received the payout it was only £1000 I had no choice but to buy a little run about with it. When I brought the car I was already in a lot of debt and just had a baby. The company is a bad credit car finance company. I have paid £1400 in total they lent me £2289 and I should of paid them 3833.44 in total. They now want £3567 they have added an extra 1028 in interest reminder charges and interest. I have been in contact with the financial ombudsman’s about irresponsible lending from the car finance company. But they have said I could be waiting another month for a response from them. the car finance company already know I have a ccj as they asked about it when I purchased the car. do I have any chance with fighting this?*

Thanks*

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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.

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Ccj form received today car finance