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First time posting and I’m hoping someone can point me in the right direction please.
Some brief history about my situation . . . I got into financial trouble in 2010 off the back of loosing my job and subsequently my long term girlfriend. I was burdened with credit card debt and eventually a HP agreement. I fell behind with repayments as I had no income. I tried to negotiate with all my creditors but being out of work they weren't prepared to give me any time. Current unsecured debt stands at £40121.00. I have no arrangements with any of the creditors and you could say I have buried my head in the sand some what.
This issue I'm posting about is a debt with MBNA dating back to November 2010 with a balance of £8991.55. DLC have been writing to me since August 2015. After the first letter received in August 2015 I wrote back with a prove it letter and included the £1 postal order. This was sent recorded delivery and signed for. They never responded to the prove it letter, but kept sending me the usual letters. I kept sending the prove it letter and reminding them they had already had my postal order but hadn't acknowledged anything. The last letter received from DLC was 25/11/2015 confirming that they had received the original postal order from my letter and request in August and had requested the info from MBNA and would in due course forward this on to me. I received the next day a letter dated 20/11/2015 (5 days earlier) a letter from Mortimer and Clarke Solicitors informing me they have been instructed to start legal proceedings against me. I responded to the letter on 06/12/2015 with the same prove it letter and also some detail that there client DLC had in fact told me they were waiting on MBNA etc, this was sent recorded and signed for on the 10/12/2015. I have since received a CCJ Claim from them dated 14/12/2015 without any of the requested info and with no reply to my letter.
What i would like to know is legally where of i stand and what should I do? I have no savings, own no home (rent) and have no assets of any value and by the time I have paid all my outgoings I'm left with around £200 disposable income. Ive rode this out as long as I can but feel its starting to come to a head. In the first instance i would like some advice on what to do in reposes to the claim but also any advice in whether i should be considering IVA's or Bankruptcy? The issue I have with the latter is I work in finance and it would be likely that i would loose my job.
Ive seen some tremendous advice and support offered on here and hope you will extend the same advice and support to me. Any thoughts would be appreciated.
Some brief history about my situation . . . I got into financial trouble in 2010 off the back of loosing my job and subsequently my long term girlfriend. I was burdened with credit card debt and eventually a HP agreement. I fell behind with repayments as I had no income. I tried to negotiate with all my creditors but being out of work they weren't prepared to give me any time. Current unsecured debt stands at £40121.00. I have no arrangements with any of the creditors and you could say I have buried my head in the sand some what.
This issue I'm posting about is a debt with MBNA dating back to November 2010 with a balance of £8991.55. DLC have been writing to me since August 2015. After the first letter received in August 2015 I wrote back with a prove it letter and included the £1 postal order. This was sent recorded delivery and signed for. They never responded to the prove it letter, but kept sending me the usual letters. I kept sending the prove it letter and reminding them they had already had my postal order but hadn't acknowledged anything. The last letter received from DLC was 25/11/2015 confirming that they had received the original postal order from my letter and request in August and had requested the info from MBNA and would in due course forward this on to me. I received the next day a letter dated 20/11/2015 (5 days earlier) a letter from Mortimer and Clarke Solicitors informing me they have been instructed to start legal proceedings against me. I responded to the letter on 06/12/2015 with the same prove it letter and also some detail that there client DLC had in fact told me they were waiting on MBNA etc, this was sent recorded and signed for on the 10/12/2015. I have since received a CCJ Claim from them dated 14/12/2015 without any of the requested info and with no reply to my letter.
What i would like to know is legally where of i stand and what should I do? I have no savings, own no home (rent) and have no assets of any value and by the time I have paid all my outgoings I'm left with around £200 disposable income. Ive rode this out as long as I can but feel its starting to come to a head. In the first instance i would like some advice on what to do in reposes to the claim but also any advice in whether i should be considering IVA's or Bankruptcy? The issue I have with the latter is I work in finance and it would be likely that i would loose my job.
Ive seen some tremendous advice and support offered on here and hope you will extend the same advice and support to me. Any thoughts would be appreciated.
xx
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