offering f+f settlement when creditor submitted claim form for ccj??

beckyandjack

hiya, just a quick question.

i owe lloyds tsb 2735 which i stupidly ignored and now i've got a claim form from northampton county court.

a very kind relative has offered me the money to clear this and pay them back instead, can i offer them a lesser amount for full and final settlement or do i have to pay the whole amount now it's gone this far????

thankyou in advance

beckyandjack

little bump, anyone??????

GeorgeUK

Even if a CCJ is awarded, you can offer a lesser amount.

Don't forget to claim back any missold PPI and charges.

beckyandjack

thanks so much i will get on the phone tomorrow!!!

GeorgeUK

Becky, you are probably better putting this in writing.

Are you currently meeting thepayments that the court had set? How long would it take to clear the debt at that rate? - this may influence whether they agree or not to a reduction and how much they will accept.

Don't forget that you need to get it in writing before sending any money and that a partial settlement is of no use to you.

Have you put in a defence for the CCJ? was the debt for a creditcard or loan? Have you requested a copy of the CCA? Was this signed before 6th April 2007?

Primmer

Absolutely nothing to stop you making an offer in full and final settlement or an offer to pay by instalments - good luck

beckyandjack

ccj not been passed yet, just got claim form yesterday, will phone them and see what they will accept and get them to confirm this in writing first!

thanks everyone for the advice

GeorgeUK

If you are not near northampton, you should ask for a change of venue to a court that is closer to you. Not sure how long you have to fill in the defence, but if they don't have an enforcable CCA and the agreement was from before April 2007, this should be your defence.

Worth spending the £1 for a copy of the CCA incase they don't accept your offer and try to go to court.