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Advice needed please.
On 01-07-2014 I admitted a debt through the county court business centre in a case against myself and Mortimer Clarke Solicitors for Cabot Financial (UK)Ltd for an old credit card debit. I offered to make repayments at £1 a month prior to the case being registered and on the court paperwork at the time along with my income and expenditure sheet, but the company wouldn't accept the payment as my outgoings were higher than my incomings. I was off sick having returned to study but had to withdraw due to a long term anxiety and depression condition. I wasn't able to claim JSA at the time, and so had little income from maintenance and child benefit. The debt was from some time earlier when I had been employed but was released due to long term illness.
They wrote a few weeks ago again stating that I could not afford the £1 repayment offered and demanded contact be made within 14 days. 14 days later they sent the same letter again - both I did not answer as I am current suffering from anxiety and depression and just cannot cope.
Today I received a 'judgement for claimant (acceptance)' from the court accepting the £1 payment per month. dated 08-05 17.
My question is can they apply for judgement nearly 3 years later, when they wouldn't accept the £1 payment offered prior, during and after the original case was raised please? I have not made any payments as they said they would not accept them.
The court document also states that if I pay the balance in full within one month, you can ask the court to cancel the entry on the register. Does that mean the entry is completely cancelled, or does one still have to declare having received a ccj if applying for any future credit, and if so, for how long please?
Also, can anyone advice the cost of requesting a 'Certification of Cancellation' and explain what this certificate actually means for future credit applications please. I lost everything, but would one day like to try and get a mortgage again. I'm hoping returning to studies and gaining a BSc will help to make me employable again.
Any advice would be gratefully received
Thank you all :-)
On 01-07-2014 I admitted a debt through the county court business centre in a case against myself and Mortimer Clarke Solicitors for Cabot Financial (UK)Ltd for an old credit card debit. I offered to make repayments at £1 a month prior to the case being registered and on the court paperwork at the time along with my income and expenditure sheet, but the company wouldn't accept the payment as my outgoings were higher than my incomings. I was off sick having returned to study but had to withdraw due to a long term anxiety and depression condition. I wasn't able to claim JSA at the time, and so had little income from maintenance and child benefit. The debt was from some time earlier when I had been employed but was released due to long term illness.
They wrote a few weeks ago again stating that I could not afford the £1 repayment offered and demanded contact be made within 14 days. 14 days later they sent the same letter again - both I did not answer as I am current suffering from anxiety and depression and just cannot cope.
Today I received a 'judgement for claimant (acceptance)' from the court accepting the £1 payment per month. dated 08-05 17.
My question is can they apply for judgement nearly 3 years later, when they wouldn't accept the £1 payment offered prior, during and after the original case was raised please? I have not made any payments as they said they would not accept them.
The court document also states that if I pay the balance in full within one month, you can ask the court to cancel the entry on the register. Does that mean the entry is completely cancelled, or does one still have to declare having received a ccj if applying for any future credit, and if so, for how long please?
Also, can anyone advice the cost of requesting a 'Certification of Cancellation' and explain what this certificate actually means for future credit applications please. I lost everything, but would one day like to try and get a mortgage again. I'm hoping returning to studies and gaining a BSc will help to make me employable again.
Any advice would be gratefully received
Thank you all :-)
