In Court tomorrow! Bankruptcy for a £2.4k Debt 1st Credit

[Amethyst]

Re: In Court tomorrow! Bankruptcy for a £2.4k Debt 1st Credit

Thanks for that

The dates of the alleged service of the statutory demand and you writing to them to offer £5 a month do seem to fit although I'm pretty sure you'd recall receiving a statutory demand - are they stating it was served by hand ?

This is an example of a Stat Demand



So overall your debts are approx £15k including the amount 1st Credit are trying to bankrupt you for.

[jazzhands]

Re: In Court tomorrow! Bankruptcy for a £2.4k Debt 1st Credit

Yes they are saying it was delivered by hand - but surely they would get me to sign something?

Don;t you think it is odd they they say the sent a letter to me on 25th December 2013 - CHRISTMAS DAY ?????

[Johnboy007]

Re: In Court tomorrow! Bankruptcy for a £2.4k Debt 1st Credit

Yes they are saying it was delivered by hand - but surely they would get me to sign something?

Don;t you think it is odd they they say the sent a letter to me on 25th December 2013 - CHRISTMAS DAY ?????

Perhaps Father Christmas put it in your stocking..........:lol:

[Celestine]

Re: In Court tomorrow! Bankruptcy for a £2.4k Debt 1st Credit

I'll happily speak with 1st Credit on Monday.

I'll PM Jazz to get all his details to enable me to have a chat with someone I know over at 1st Credit - a voluntary charge seems the best option all round. Just make sure you opt for a monthly amount you can cope with.

Well done today x

Sorry to be so brief, I'm on 1st day of holiday and en route to Scotland

[Amethyst]

Re: In Court tomorrow! Bankruptcy for a £2.4k Debt 1st Credit

Thanks honey xx

[jazzhands]

Re: In Court tomorrow! Bankruptcy for a £2.4k Debt 1st Credit

OMG ! Amazing. Thank you sooo much. The kindness of strangers always suprises me, and I am very thankful ~ truely x

[Reluctant]

Re: In Court tomorrow! Bankruptcy for a £2.4k Debt 1st Credit

I take it there's no way you'd be able to dispute the original debt made up of Lloyds bank charges is there.
I only say this as I know of some who got into debt and couldn't work out why,
On closer inspection of their bank statements, they discover direct debits date for being taken had altered without giving notice or reason as to why in writing.
Resulting in money being withdrawn from persons account before the date their wages went in.
Result of that action meant they were incurring ever increasing interest being added to bank charges for being overdrawn when they shouldn't have been.
Something which was further compounded by bank letters being sent out at £10.00 a time every time to tell them they were overdrawn.

It turned out the Bank was in the wrong for defaulting on it's original DD agreement and should not have made the change to the date of DD withdrawal and the person was re-embursed as the Bank broke terms of contract.