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I recently joined to read posts similar to my situation but now I really need advice.
I am in Northern Ireland. I have received a Civil Bill issued 32 days before I received it. I don't know if the 21 days in which to defend it starts from the day it was issued or when I received it which was last Wednesday.
This is from the solicitors representing PRA Group.
I got free advice from a local solicitor and I came out in a worse state than when I went in. I just wanted to know what I could do and how to go bout getting and sending off From 42 and if I should ask PRA for an original CCA. I was told there was no point in that as I signed it in the first place and what was it exactly I thought I would be defending. Said I could defend which would prob add costs of £2500 or ignore it or he would write a good letter at a to explain I couldn't pay it but that would more than likely cause a string of letters which would add on more money.
I then contacted a debt charity for help and they asked me why would I defend it when it was my debt. They said next step would be an Enforcment Order and that the civil bill is a money judgment. They said they would help me do my I&E and that I had to accept the civil bill
I defaulted on the credit card in April 2013 as I wasn't in a position to,pay it.
I am so sick with worry. I don't know which way to turn. I am so confused as from reading related posts on this forum defence it the thing to do.
I would value some expert help and advice.
Thankyou in advance.
I am in Northern Ireland. I have received a Civil Bill issued 32 days before I received it. I don't know if the 21 days in which to defend it starts from the day it was issued or when I received it which was last Wednesday.
This is from the solicitors representing PRA Group.
I got free advice from a local solicitor and I came out in a worse state than when I went in. I just wanted to know what I could do and how to go bout getting and sending off From 42 and if I should ask PRA for an original CCA. I was told there was no point in that as I signed it in the first place and what was it exactly I thought I would be defending. Said I could defend which would prob add costs of £2500 or ignore it or he would write a good letter at a to explain I couldn't pay it but that would more than likely cause a string of letters which would add on more money.
I then contacted a debt charity for help and they asked me why would I defend it when it was my debt. They said next step would be an Enforcment Order and that the civil bill is a money judgment. They said they would help me do my I&E and that I had to accept the civil bill
I defaulted on the credit card in April 2013 as I wasn't in a position to,pay it.
I am so sick with worry. I don't know which way to turn. I am so confused as from reading related posts on this forum defence it the thing to do.
I would value some expert help and advice.
Thankyou in advance.
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