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Hi
In 2019 I was given a letter on my doorstop advising that Nolan’s had taken over a debt I owned from aqua credit card and it was a letter advising I was being taken to court (sep 2019) for a hearing regarding a CCJ.
I wasn’t at this point aware of the first steps I could take and the defence I could put forward. I quite honestly panicked at the thought of being taken to court. I wrote a letter to the court advising I was too scared to attend and had been in touch with step change and offered a repayment without having to attend court. I was terrified.
The repayment was agreed in court in my absence and I have been making repayment ever since however I am no way close to paying it off as of yet as my repayments are small as I am currently making token repayments to my creditors as advised by stepchange.
my question is, is it worth going though any of the first steps now that I have already got the CCJ? Could I in theory request the CCA agreement etc to see if there are any options to fight the CCJ in any way or would I be wasting my time and it’s too little too late do you think?
I realise I am way too late, I just honestly didn’t know the abundance of advise and support that was available and just completely freaked out at the time as was just glad I didn’t have to attend court
any advice would be much oy appreciated. I have made some very poor decisions in the past with finance and now with making token payments I have one CCJ and over 10 defaults mostly with Lowell so I am trying to educate myself as much as possible as to how best navigate this situation and slowly start to repair my situation in any way that I can
In 2019 I was given a letter on my doorstop advising that Nolan’s had taken over a debt I owned from aqua credit card and it was a letter advising I was being taken to court (sep 2019) for a hearing regarding a CCJ.
I wasn’t at this point aware of the first steps I could take and the defence I could put forward. I quite honestly panicked at the thought of being taken to court. I wrote a letter to the court advising I was too scared to attend and had been in touch with step change and offered a repayment without having to attend court. I was terrified.
The repayment was agreed in court in my absence and I have been making repayment ever since however I am no way close to paying it off as of yet as my repayments are small as I am currently making token repayments to my creditors as advised by stepchange.
my question is, is it worth going though any of the first steps now that I have already got the CCJ? Could I in theory request the CCA agreement etc to see if there are any options to fight the CCJ in any way or would I be wasting my time and it’s too little too late do you think?
I realise I am way too late, I just honestly didn’t know the abundance of advise and support that was available and just completely freaked out at the time as was just glad I didn’t have to attend court
any advice would be much oy appreciated. I have made some very poor decisions in the past with finance and now with making token payments I have one CCJ and over 10 defaults mostly with Lowell so I am trying to educate myself as much as possible as to how best navigate this situation and slowly start to repair my situation in any way that I can
