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I have received a court claim from Azzurro Associates Limited via Solaris Law for a Capital On Tap business credit card. Due to the death of my business partner and separation from my wife, I have been in a very dark place. My son has special needs. I am autistic and have ADHD. Despite all of this, I know I should have sought help much sooner.
When I spoke to Capital on Tap and explained the situation, they told me "don't worry about this, look after your son and we can sort this out later". I was called by Shire Debt Recovery and told them that I would like to pay it off within 12 months, which they said was fine, but then subsequent callers said that had not been agreed. I then got another letter saying that the debt was being handled by Solaris Law and then this court claim.
The debt is over £40k and I had been hoping to arrange a payment plan from my business, which is still trading, but the court claim is jointly for me and my limited company.
The claim was issued on 26/08/2025 and I put in a service acknowledgment for my personal one on 14/09 and for my business on 16/09., as the court claim had been sent to my registered office and they had not forwarded it on straight away. I said for both that I intended to defend the claim.
If at all possible, I would like to to try to arrange a payment plan through my business, but do not know if I have left it too late to be able to do this, for which I am extremely upset with myself.
Is anyone at all able to help me to work out what my options are please? I feel very stupid and sad.
When I spoke to Capital on Tap and explained the situation, they told me "don't worry about this, look after your son and we can sort this out later". I was called by Shire Debt Recovery and told them that I would like to pay it off within 12 months, which they said was fine, but then subsequent callers said that had not been agreed. I then got another letter saying that the debt was being handled by Solaris Law and then this court claim.
The debt is over £40k and I had been hoping to arrange a payment plan from my business, which is still trading, but the court claim is jointly for me and my limited company.
The claim was issued on 26/08/2025 and I put in a service acknowledgment for my personal one on 14/09 and for my business on 16/09., as the court claim had been sent to my registered office and they had not forwarded it on straight away. I said for both that I intended to defend the claim.
If at all possible, I would like to to try to arrange a payment plan through my business, but do not know if I have left it too late to be able to do this, for which I am extremely upset with myself.
Is anyone at all able to help me to work out what my options are please? I feel very stupid and sad.