Court claim received

[carts69]

Re: Court claim received

The debt is £954, yes I have one final bebt in the background which has just changed hands, although this one needs my attention at the moment, yes I pay rent, council tax,water bills,electric, and have 2 children & in receipt of tax credits,no arrears all up to date!
So.. Looks like this Tomlin order is the answer here, how do I go about it?

[Debt Camel]

Re: Court claim received

I already have a CCJ in place for a previous debt, managed to get a £5 a week payment plan on this 6 Grand debt, I am on a low income working part time, how do I get on with making an offer (small) for this debt,

Do you have other debts as well as this existing CCJ and this new claim? Possibly they have gone quiet for a while and you are hoping they have forgotten you or you are making low payments to?

Do you have any priority debts - rent/mortgage arrears, council tax, etc?

Are you renting or buying?

[nemesis45]

Re: Court claim received

Thanks to you both DC & nem, looks like the SB I thought was the case is now a no no!
Ok.. So what are my options now regarding court in March, is their anything I should do now rather than wait for this hearing that I don't stand a chance winning?
I already have a CCJ in place for a previous debt, managed to get a £5 a week payment plan on this 6 Grand debt, I am on a low income working part time, how do I get on with making an offer (small) for this debt,

Save me looking through a 150 posts Carts how much is the claim for?

My thought is IF there is no other line of defence now SB is no longer an option, lean towards an #
agreed reasonable, affordable and sustainable offer of payment secured by a consent (Tomlin) order.

No CCJ is given as long as the repayments are maintained.

nem

[carts69]

Re: Court claim received

Thanks to you both DC & nem, looks like the SB I thought was the case is now a no no!
Ok.. So what are my options now regarding court in March, is their anything I should do now rather than wait for this hearing that I don't stand a chance winning?
I already have a CCJ in place for a previous debt, managed to get a £5 a week payment plan on this 6 Grand debt, I am on a low income working part time, how do I get on with making an offer (small) for this debt,

[nemesis45]

Re: Court claim received

Bit clearer

Good morning Carts,
Apologies for not getting to this earlier, a lot going on at the moment.

It seem to bought an Hotpoint appliance on 48months interest free deal,
although I see a date in 2013 in the 2nd agreement page above. 08/12/2013.
Not 1 year?

Has the agreement been rewritten ? ( Creation did rewrite {may still do} if a customer had difficulties
paying a 12months deal.)


nem

[Debt Camel]

Re: Court claim received

"This is a 48 month agreement payable either by a first instalment of £16.02 on 8/01/2010 followed by 46 monthly instalments of £16.02 payable on the same day of each month, and a final instalment of £16.02 on 08/12/2013 or one payment on or before 01/01/2010.

Its looks as though you have bought something with a one year interest free period at the start. If you pay it in full during this time no interest is added. If you don't then you have to make 48 monthly payments starting jan 10 and ending dec 13. Does that ring any bells?

If this is the case - and it looks pretty normal to me - then you can't use statute barred as a defence as the 6 years doesn't start running until you have missed a payment.

[carts69]

Re: Court claim received

Bit clearer

[carts69]

Re: Court claim received

Here is the agreement

[Kati]

Re: Court claim received

#136, nem asked if I had a copy of the said agreement, which made me read through it hence the dates on it are not making sense?

This one:

Yes, I have a fixed loan agreement they sent me, although when I have read through it... The date I signed it was 4-1-09, but first payment due says 8-1-10, why would my first payment be due a year later?

??
Have you posted up a redacted copy??

[carts69]

Re: Court claim received

#136, nem asked if I had a copy of the said agreement, which made me read through it hence the dates on it are not making sense?

[Kati]

Re: Court claim received

Which post was that on Carts?? Maybe [MENTION=48934]Debt Camel[/MENTION] can take a look??

[carts69]

Re: Court claim received

Very much in demand, so....what do u make of my recent post regarding the dates of the signed agreement, has this photo copy be tampered with or do the dates make sense to you, just wondering why it was signed by myself in Jan 09 & first payment due Jan 2010. The reason I was going for the SB was me seeing that it was signed in 09, but if first payment was due in 2010... That would blow my claim out of the window I suppose?

[Kati]

Re: Court claim received

I doubt that now Kati, I'm sure it will keep for another day!

:sorry: ... he's been run off his feet xx

- - - Updated - - -

I've PM'd him too xx

[carts69]

Re: Court claim received

I doubt that now Kati, I'm sure it will keep for another day!

[Kati]

Re: Court claim received

Nem...can I have your input on this please when you have a mo? Cheers

try not to worry carts ... I'm sure [MENTION=55034]nemesis45[/MENTION] will be along today xx