County court judgement-please help

jakeyspecail

a county court judgement has been entered against me for a credit card debit of £5,000!!!! and the judgement says it has to be paid in full -we are in a right mess!! from what I can gather i need an N245 form - will they accept monthly payments for it - i really dont know what to do.

hellfirehound

First of all, don't panic!

google N245 form and the first link (from debt center dot co dot uk) will take you to the form you need. download it, print it off, fill it in and send it to the relevent address (ie the address for payment or correspondance) with a letter explaining your situation.

Good luck, and chin up

jakeyspecail

thanks for your reply we are in such a mess at the moment - we seem to get on track and then this- we have numerous debts other than this - all with lloyds tsb - credit cards/.loan/overdraft - i am contemplating just ringing them and lowering all payments as we are paying hundreds to them each months (all agreed repyment amounts) failing that I feel like just walking away from everything....

hellfirehound

well they say it has to be paid in full, but not everyone has £5000 lying around to just give away. Fill in that form, and send it off. See what happens and if they still say it has to be paid in full, offer to pay what you can each month. They can't refuse to take weekly/monthly payments as they would then be refusing your money!

Good luck again and don't worry about it. Whenever you got the knees kicked from underneath you, remember that one day you'll fall with your bum in the marmelade!

(no im not sure what that means either....lol)

jakeyspecail

Thank you - will be doing that form and calls today.,

hellfirehound

keep us informed how you get on. if all else fails, ill try and get a whip-round for you! lol (sorry)

jakeyspecail

Have filled in form but I have to tick for either suspension of the warrant and/or a reduction in the instalment order - is it suspension.......brain messed up sorry.....