I received a CCJ claim yesterday from Restons Solicitors on behalf of debt managers Services LTd.
It's apparantley for a Next directory account back in 2009 or around 2009 as they say.
It's only for £56 but they have now added £50 legal cost and £25 admin fees, so it's now a total of £133
Now I have a few concerns here and would be very grateful if someone could advise me.
Firstly, There is a default on my credit file from next which was recorded about 5 years ago, however I actually thought I payed this original £56 of in three installments some years ago to another debt company. I can't remember who it was so I suppose that's an non issue here and I need to act as though it wasnt. Also I may be wrong.
So I have acknowledged the claim online.
I have sent cca request to claiment and CPR request to solicitors
When do I fill out my defence? Do I wait until they send me the information I requested or do i do it now or next few days.
I have to concerns, one is I thought I had payed it before, but no proof, the other is that I want to be certain that they have the right to chase me up on this debt.
I dont want a ccj on my credit file as my score is slowly improving.
I know it's only a small amount but it's still a lot of money to me.
So, what happens next?
I would really appreciate some advice please.
Thankyou
Billy
It's apparantley for a Next directory account back in 2009 or around 2009 as they say.
It's only for £56 but they have now added £50 legal cost and £25 admin fees, so it's now a total of £133
Now I have a few concerns here and would be very grateful if someone could advise me.
Firstly, There is a default on my credit file from next which was recorded about 5 years ago, however I actually thought I payed this original £56 of in three installments some years ago to another debt company. I can't remember who it was so I suppose that's an non issue here and I need to act as though it wasnt. Also I may be wrong.
So I have acknowledged the claim online.
I have sent cca request to claiment and CPR request to solicitors
When do I fill out my defence? Do I wait until they send me the information I requested or do i do it now or next few days.
I have to concerns, one is I thought I had payed it before, but no proof, the other is that I want to be certain that they have the right to chase me up on this debt.
I dont want a ccj on my credit file as my score is slowly improving.
I know it's only a small amount but it's still a lot of money to me.
So, what happens next?
I would really appreciate some advice please.
Thankyou
Billy
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