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Hi,
This is probably going to be impossible but, here goes, I have received a SD hand delivered (not handed to me) by bw legal for bankruptcy over NEXT Catalogue debt £1.4k at 10.30am today!
I was told UE, which it is and pre 2007, 2004 to be precise, never signed a CCA, I haven't been paying towards this since I joined a group who use UE and was told it wasn't important and that they wont do anything as its a Catalogue and no evidence with the CCA requested January 2011, received 3 CCA's with a pre-paid envelope. Paid £1pm till March 2012, they have sent me a CCA back in October 2007 (still got in my file never signed) out to me to sign after I requested a copy of my CCA, even gave me a pre-paid envelope! Has been sold to Lowell and they have got BW Legal to deal with it.
I received 28 June 2013. Its past the 18 days due to me being very ill (long term) on a lot of controlled medication so I dont know what I am doing half of the time and its hard to understand things. I am using a good Solicitor well know to this forum for another matter and thought I had asked him for advice when in fact I didn't, instead send a message about other rubbish going on in my life at the same time.
I have got something written down but not enough and not how it should be after talking to the solicitor very late last night. I didn't realise what it was and I thought I had asked about it and then I asked someone else who has given me the information I am going to have to go in with today!
I have been told that I need a good reason why the 18 days have gone by without me sending anything to the court, I have to go with the truth of being so ill and in and out of hospital all the time. The medications I take, and thats about it. What else can I say? I did also email the company who sent an automated response that this particular man wasn't in the office till the 5 August 2013, so no reply from him! I did then forward to the name he gave on his email who was dealing with his cases till he is back in the office.
I think I am going to need a miracle today to keep hold of anything and not be declared bankrupt. I dont understand how these people can do this when its a clearly UE, unsecured debt with no evidence at all of there even being a CCA of any kind.
I do also have another Catalogue with Lowell chasing me with Hamptons this time that needs a response sending today as I dont want to have to challenge two things if I manage to somehow defend this today! I also then have a CC that has now been sold to Lowell from the Halifax.
If anyone knows of a template letter or legal information of any kind to defend this today I would appreciate it so much... I know time is very much against me and this is a very long shot but, I need to try anything!
Thanks
This is probably going to be impossible but, here goes, I have received a SD hand delivered (not handed to me) by bw legal for bankruptcy over NEXT Catalogue debt £1.4k at 10.30am today!
I was told UE, which it is and pre 2007, 2004 to be precise, never signed a CCA, I haven't been paying towards this since I joined a group who use UE and was told it wasn't important and that they wont do anything as its a Catalogue and no evidence with the CCA requested January 2011, received 3 CCA's with a pre-paid envelope. Paid £1pm till March 2012, they have sent me a CCA back in October 2007 (still got in my file never signed) out to me to sign after I requested a copy of my CCA, even gave me a pre-paid envelope! Has been sold to Lowell and they have got BW Legal to deal with it.
I received 28 June 2013. Its past the 18 days due to me being very ill (long term) on a lot of controlled medication so I dont know what I am doing half of the time and its hard to understand things. I am using a good Solicitor well know to this forum for another matter and thought I had asked him for advice when in fact I didn't, instead send a message about other rubbish going on in my life at the same time.
I have got something written down but not enough and not how it should be after talking to the solicitor very late last night. I didn't realise what it was and I thought I had asked about it and then I asked someone else who has given me the information I am going to have to go in with today!
I have been told that I need a good reason why the 18 days have gone by without me sending anything to the court, I have to go with the truth of being so ill and in and out of hospital all the time. The medications I take, and thats about it. What else can I say? I did also email the company who sent an automated response that this particular man wasn't in the office till the 5 August 2013, so no reply from him! I did then forward to the name he gave on his email who was dealing with his cases till he is back in the office.
I think I am going to need a miracle today to keep hold of anything and not be declared bankrupt. I dont understand how these people can do this when its a clearly UE, unsecured debt with no evidence at all of there even being a CCA of any kind.
I do also have another Catalogue with Lowell chasing me with Hamptons this time that needs a response sending today as I dont want to have to challenge two things if I manage to somehow defend this today! I also then have a CC that has now been sold to Lowell from the Halifax.
If anyone knows of a template letter or legal information of any kind to defend this today I would appreciate it so much... I know time is very much against me and this is a very long shot but, I need to try anything!
Thanks
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