Court paper work received, how long to pay

[charitynjw]

Re: Court paper work received, how long to pay

Were your offers to pay made 'without prejudice'?

[Charliemac]

Re: Court paper work received, how long to pay

I sent an email asking if they'd stop court action if I made an initial payment of £200, they did even acknowledge my offer they simply replied that I was to follow the instructions on the court paperwork.

i panicked and sent this email before I found your site.

have I put my foot in it by offering to make a payment? I didn't use the term 'without prejudice'

[Amethyst]

Re: Court paper work received, how long to pay

You're fine. As things stand you are just using the court process to delay matters in any case. You may settle in full or you might negotiate a lower settlement later on if they struggle with documents. Or you might defend part of or the whole case. You really don't know until you start getting documents back. Your priority is your credit file so as long as you would be able to settle in full IF you got a judgment against you after defending and a court hearing you are okay to continue.

If you have the email you sent you could post it here just to be sure you haven't inadvertently put your foot in anything.

[Charliemac]

Re: Court paper work received, how long to pay

Thank you Amethyst, I panicked then.

in the email I offered to pay £200 then went on to say that I didn't want to admit to the debt because this would lead to a CCJ against me and the debt being paid off a lot slower.

I even asked what they'd have to gain from the CCJ because if they did go down that route the payments would be minimal and it would surely benefit them to come to an agreement with me without the court action.

as you say I am happy to pay it but the longer I have to pay the easier it'll be for me because just over £800 is a huge amount to scrape together in a short space of time.

thanks again for the help unfortunately I am someone who panics in the first instance hence why I emailed them when really I should have seemed advice first.

your comments are much appreciated

[Amethyst]

Re: Court paper work received, how long to pay

Don't worry, loads of people do it.... and 87% of people just ignore court claims altogether and end up with default judgments ... so you're ahead there Email sounds okay so really don't be stressing about it. From now on it's a process, like a game of chess if you will .... so stick to the plan and keep us updated with ANY replies from the claimant. Tactics etc will be adjusted as you go along.

Do you recall if you had a handset on credit at all with the contract ? ( for example my virgin mobile has one payment for my service ( talktime/data etc) and another payment for, basically, my loan to purchase my phone - the service bit isn't regulated by the consumer credit act, and the loan is )