court proceedings against gf

ineedinfo

Hi

my girlfriend has receieved a letter saying they want the full amount of £3.800 immediately we currently pay about 9 debtors £1 pound a month as advised by citizens advice bureuax an we was paying this one to until they changed company, we offered a £1 like all the others an sent an expenditure sheet also as advised.

they have declined the offer and said they will be issuing county court papers, my girlfriend is on 190 per week and i am on job seekers 47 a week, my girlfriend will also be on maternity leave in a few months can someone tell me where we stand and will this go to court?? what should we do.

Thanks

R

Rafter

R,

This lender seem to want a CCJ (County court judgement) against you and obviously believe you can afford to pay a lot more than £1 a month and are prepared to go to court to try and secure a bigger payment, despite the cost to themselves.

It might be an idle threat. Given your income a court is unlikely to increase your payment significantly, particularly as you have been taking advice from the CAB.

Given your g/fs maternity it looks as if you might be a candidate for bankruptcy. It is a big step, will mean you won't be able to borrow for 6 years or get a mortgage but it will wipe the slate clean and mean you can start afresh. Have a chat to the CAB or CCCS about it.

R.

ineedinfo

Thank you Rafter #


It may be some ill founded threat or maybe not, we can prove our income so i cannot see the court increasing the offer.

As for bankruptcy i thought you had to owe over 15 grand or something, the total combined debt for me and my gf is about 14449 so i do not know what we can do, this debt is split between us both. but i think i will wait an see what the next course of action will be thanks again


R