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Hi all. I really, REALLY need some help and advice please!
Earlier this month my hubby and I were served a statutory demand each by a representative from BW Legal (on the doorstep). They pertain to debts owed by us to Lloyd's TSB for bank account overdrafts and a credit card. We do know about these debts but stupidly buried our heads in the sand and ignored all contact... Until now. NOW they have our attention!
When we received the stat demand we phoned BW Legal and told them that we had no record of this debt and asked for them to send the paperwork, original credit agreement and record of account, which they said they'd do, but we haven't received anything yet. The amounts seem extremely inflated too - although we have no record (the debt is pretty old now), we remember the amount being around £2,500, whereas now, they're trying to say that we owe over £6k between us!!
After posting on another forum we were advised to apply for a set aside, which we have done (we had to get an extension as BW legal advised the wrong court and with Easter being in between we needed a bit longer - which they gave us). I received a letter today from the court saying that a date has been set for 8th may and I'm now in a total spin as I have no idea what I'm doing!! Are we supposed to attend this hearing? I can feel the onset of total panic setting in! Should we get a solicitor, or can we deal with this ourselves, as we can't really afford one?
As my username suggests, I'm completely hopeless and useless at financial and legal things, so I'd really appreciate it if someone could be really kind and help us out, by explaining things for us and telling us what we need to do.
Thank you so much
Earlier this month my hubby and I were served a statutory demand each by a representative from BW Legal (on the doorstep). They pertain to debts owed by us to Lloyd's TSB for bank account overdrafts and a credit card. We do know about these debts but stupidly buried our heads in the sand and ignored all contact... Until now. NOW they have our attention!
When we received the stat demand we phoned BW Legal and told them that we had no record of this debt and asked for them to send the paperwork, original credit agreement and record of account, which they said they'd do, but we haven't received anything yet. The amounts seem extremely inflated too - although we have no record (the debt is pretty old now), we remember the amount being around £2,500, whereas now, they're trying to say that we owe over £6k between us!!
After posting on another forum we were advised to apply for a set aside, which we have done (we had to get an extension as BW legal advised the wrong court and with Easter being in between we needed a bit longer - which they gave us). I received a letter today from the court saying that a date has been set for 8th may and I'm now in a total spin as I have no idea what I'm doing!! Are we supposed to attend this hearing? I can feel the onset of total panic setting in! Should we get a solicitor, or can we deal with this ourselves, as we can't really afford one?
As my username suggests, I'm completely hopeless and useless at financial and legal things, so I'd really appreciate it if someone could be really kind and help us out, by explaining things for us and telling us what we need to do.
Thank you so much
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