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Hello everyone, please help me I'm so clueless about what to do now, I posted this in the wrong place initially, so sorry for that.
Just before Xmas I received a County Court Claim letter with MC as the claimant (working for Cabot) I foolishly didnt reply to this and so a few weeks later I got a CCJ from the court saying I must pay £504.63 (this is with fees added) at £50pm. I can't afford this. I thought this was statute barred and was going to reply to the court telling them that I disputed the claim. I searched Noddle but nothing on there, I searched my old bank statements and found a payment made in Oct 2010 so not statute barred. So I wrote back to MC and admitted the claim, I've now got a letter saying
'We refer to the above matter and your admission form dated 11/01/2016 and received on 15/02/2016.
Your admission form was received out of time and we were instructed to obtain a County Court Judgement for £504.63 payable by monthly instalments of £50.00
From the figures provided your total monthly income is xxxxx and your total monthly expenditure is xxxxx This means there is a monthly deficit of xxxxx and as a result our client feels your offer of £10pm is unaffordable.
Please provide confirmation of your ability to commit to your proposed offer. We can confirm that our client is not requesting for an increased offer of payment but for clarification on how you can afford your offer of payment due to your monthly deficit'
I'm not sure how to respond, just wish I'd come here first for advice.
I cant afford the £10pm either really but thought I should offer something, I'm a 64 yr old woman on a pension and pension credit, I have no assets except a little 10 yr old car my son bought for me as I live up a very steep hill and cant walk up it, I rely on my car to get out (long term back problem means I take Tramadol and Diazepam) I'm so worried they will take my little car to pay for the debt, please help
Thankyou
Messy
Just before Xmas I received a County Court Claim letter with MC as the claimant (working for Cabot) I foolishly didnt reply to this and so a few weeks later I got a CCJ from the court saying I must pay £504.63 (this is with fees added) at £50pm. I can't afford this. I thought this was statute barred and was going to reply to the court telling them that I disputed the claim. I searched Noddle but nothing on there, I searched my old bank statements and found a payment made in Oct 2010 so not statute barred. So I wrote back to MC and admitted the claim, I've now got a letter saying
'We refer to the above matter and your admission form dated 11/01/2016 and received on 15/02/2016.
Your admission form was received out of time and we were instructed to obtain a County Court Judgement for £504.63 payable by monthly instalments of £50.00
From the figures provided your total monthly income is xxxxx and your total monthly expenditure is xxxxx This means there is a monthly deficit of xxxxx and as a result our client feels your offer of £10pm is unaffordable.
Please provide confirmation of your ability to commit to your proposed offer. We can confirm that our client is not requesting for an increased offer of payment but for clarification on how you can afford your offer of payment due to your monthly deficit'
I'm not sure how to respond, just wish I'd come here first for advice.
I cant afford the £10pm either really but thought I should offer something, I'm a 64 yr old woman on a pension and pension credit, I have no assets except a little 10 yr old car my son bought for me as I live up a very steep hill and cant walk up it, I rely on my car to get out (long term back problem means I take Tramadol and Diazepam) I'm so worried they will take my little car to pay for the debt, please help
Thankyou
Messy
I have done and I&E on National Debtline which I have saved I tend to juggle things each month to stay out of trouble, I just didnt know what else to say to them, they obviously know I cant afford the £50pm already ordered by the court. I'm loathe to ask my family as they do help me in a lot of other ways, they have lives to pay for too, I'll just reply to them that I will pay the £10 I've offered or maybe what they would accept as a full and final settlement maybe that would be better? Thanks again for you help, I dont feel as helpless as I did a week ago 
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