Hi, I received court papers for a debt a couple of years ago and they couldn’t provide any of the documents I requested. As a result, it was stayed and I heard nothing from them. Now, 6 months before its statute barred, I have received all the paperwork and they are going to proceed in 30 days. The letter says they are keen to sort the matter and to make contact but if not, it will proceed in court in 30 days.
I contacted them, explained my mental health isn’t good at the moment and I’d like to sort things out so I proposed a payment arrangement. They said they couldn’t approve any token payments (what I offered was a lot more than a token payment) and it would proceed through court to finalise due to the debt owed (around £5k). What was the point in asking me to contact them before court, when they only wanted the full amount?
I have now had a letter from them to back this up, saying they won’t consider token payments but can I supply all the documents I have regarding my mental health and any debt help I’ve had regarding my budgeting. Frankly, it seems a cheek as they’re not willing to negotiate and I don’t really want them to have my personal information. I don’t have any letters regarding my mental health anyway and it would cost me £40 to request one (I called and asked my GP). I also haven’t been in touch with a debt charity. They mentioned also sending bank statements but again, I don’t feel comfortable doing that.
Does that mean it will be an automatic CCJ now? I didn’t know what the process was now as they say they will be lifting the stay. Does it then go to court and will I be required to attend? Can anyone attend on my behalf? Would there be mediation offered?
Sorry for all the questions, I’m just really anxious and wasn’t expecting them to find all the paperwork after nearly 2 years.
I contacted them, explained my mental health isn’t good at the moment and I’d like to sort things out so I proposed a payment arrangement. They said they couldn’t approve any token payments (what I offered was a lot more than a token payment) and it would proceed through court to finalise due to the debt owed (around £5k). What was the point in asking me to contact them before court, when they only wanted the full amount?
I have now had a letter from them to back this up, saying they won’t consider token payments but can I supply all the documents I have regarding my mental health and any debt help I’ve had regarding my budgeting. Frankly, it seems a cheek as they’re not willing to negotiate and I don’t really want them to have my personal information. I don’t have any letters regarding my mental health anyway and it would cost me £40 to request one (I called and asked my GP). I also haven’t been in touch with a debt charity. They mentioned also sending bank statements but again, I don’t feel comfortable doing that.
Does that mean it will be an automatic CCJ now? I didn’t know what the process was now as they say they will be lifting the stay. Does it then go to court and will I be required to attend? Can anyone attend on my behalf? Would there be mediation offered?
Sorry for all the questions, I’m just really anxious and wasn’t expecting them to find all the paperwork after nearly 2 years.
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