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Hi everyone. This forum looks like the right place to post 
I have debt with 7 creditors. I am on a self-managed DMP but I have only made small payments recently due to job loss and mortgage arrears.
I am now being served with a Statutory Demand for payment of almost £3800 to Shop Direct via Lowells. (BW Legals) I did not know SD existed and thought companies always went down the CCJ route.
I opened my account in about 1999 and had a debt of about £2200 but this has risen with charges applied by NDR. Started self managed DMP in Feb 2011 and have made quite a few payments to each creditor but have had no periods when I have not made any. The last payment to Lowells would have been about June last year.
I own a house with my husband with about 10-15k of equity in it. The SD is being served on Friday but the letter states Monday next week will count as first day as it is being served after 4.30pm by a person who called last week. We have been sent a letter informing us of the appt time.
Prior to finding out about SD I offered to restart payments but as yet have had no reply to my email. I have since offered more via email but no further reply.
I have CCA'd them by recorded delivery today as I do not remember signing an agreement at the beginning when I opened account. In the last few years prior to 2011, I did sign some credit agreements specifically on items I bought on BNPL.
Has anyone got advice on further action when I receive SD?
Thanks in advance!
I have debt with 7 creditors. I am on a self-managed DMP but I have only made small payments recently due to job loss and mortgage arrears.
I am now being served with a Statutory Demand for payment of almost £3800 to Shop Direct via Lowells. (BW Legals) I did not know SD existed and thought companies always went down the CCJ route.
I opened my account in about 1999 and had a debt of about £2200 but this has risen with charges applied by NDR. Started self managed DMP in Feb 2011 and have made quite a few payments to each creditor but have had no periods when I have not made any. The last payment to Lowells would have been about June last year.
I own a house with my husband with about 10-15k of equity in it. The SD is being served on Friday but the letter states Monday next week will count as first day as it is being served after 4.30pm by a person who called last week. We have been sent a letter informing us of the appt time.
Prior to finding out about SD I offered to restart payments but as yet have had no reply to my email. I have since offered more via email but no further reply.
I have CCA'd them by recorded delivery today as I do not remember signing an agreement at the beginning when I opened account. In the last few years prior to 2011, I did sign some credit agreements specifically on items I bought on BNPL.
Has anyone got advice on further action when I receive SD?
Thanks in advance!
)
msl: 
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