Urgent Advice...

fuschia_2

Hi Guys
My cousin has recieved a county claim form for a debt she has with MBNA....now she's only got until tomorrow to get the form back (she's admitting it but wants time to pay) if she gets this form back to optimalegal will this automatically mean a CCJ or if they accept her payment plan and she sticks to it will there be no ccj?

really appreciate the advice!

inmypocketnottheirs

There will be a ccj unless the balance in full is paid within 30 days (I think, could be 28). If this is paid in full, the judgement is set aside and will not show on the credit agencies.

If not paid in full, and then subsequently at a later date, the ccj will be shown as satisfied.

TBH it really is best to try and get it paid in full. In today's market trying to get credit, mortgage, bank loan, car finance etc is near impossible with any adverse information.

HTH

fuschia_2

Right so if she sends the form off and then tries to get the money in the next 14 days (thats the 28 days then) she'll not have an ccj shown?

inmypocketnottheirs

If the CCJ is settled within 30 (poss 28) days, then the judgement will be set aside.

Alisonbel

I had a silmilar thing with first direct, phoned DCA and was offered a consent order. Don't know the complete ins and outs but I think as long as I pay the specified amount each month it doesn't go to a ccj. I'm sure someone will correct me if I'm wrong.