Urgent help needed Case lost to Lowells / BW Legal through court.

[Roddaz77]

Shes been wanting to get on the property ladder, I guess this is not off limits for 6 years now. Shes just worried about the legal costs that she had to pay. Is this included or does she have to pay this lump sum upfront?

Im not entirely sure she can afford to pay off £20 a month that's what they have told her to pay even though she says she has more out than in. Having a little one under two and I think her eldest is 10yrs old. This is where her money goes, I don't even think the dad makes any contributions.

If shes not agreed to this and noting in writing whats the best solution now? is it pointless trying to offer half as a full settlement? or would they just have the attitude we have got the on side so its full payment.

Would it be best to contact them again stating she cant afford these payments and refer it to court to decide?

and if they are saying its already a CCJ the likelihood of them not entering it is pretty slim isn't it?

Thanks again for the replies

[Amethyst]

No it's all in the judgment amount. Costs are usually within 14 days but she can't do that obviously so it will be paid through the installments arranged with BW.

She could get herself an appt with CAB to go through her income and expenditure and help her complete the N245 application to vary the order to installments if she wants to get it set by the court.

The only way to be certain it won't go on her credit file would be to pay the full amount ( or a negotiated lower full and final settlement with written agreement that the court would be told it was settled) within 28 days.

[thedirtyhound]

The defaults will already be on the credit file, so the judgment won't make a great deal of difference overall whether it is recorded or not. People just make it ten times harder and ten times worse for themselves by not dealing with matters when they first arise. Burying your head in the sand and getting a judgment against you as a result is very hard to undo.

[Amethyst]

To be fair it does sound like she tried to defend the case but was kyboshed by an adjournment and rearrangement of the hearing, and by that point, although we don't know what the case actually was at that point, whether witness statements had been exchanged and so on... she'd likely just had enough of it and couldn't get to the court.... but I don't think any head burying was going on xxx

[thedirtyhound]

I'm making this as a general comment and not with relation to this case, but I wonder what the effect would be on DPCs if every single person on their books simply stopped communicating with them and stopped paying. I wonder how long they could survive with zero revenue coming in?