Help, urgent!

SarahFx

To cut a long story short for the last year I've been trying to set up a payment plan with my bank for my credit card after I lost my job. Several times they have told me that the amount I requested to pay back was too much(!) didnt set up my direct debit or failed to send me any paperwork.

Today I recieved a letter from a 3rd party company asking me to call them, I have just done so and was asked a load of personal questions about how much I earn etc, before being told that its now gone past the stage of payment plans and they will be contacting their legal team as I can't pay the amount in full today, despite again offering to set up a plan.

Anyone else had anything like this? Can they issue CCJ's against you? What should I do?

CLAPTON

best to post on the debt free wannabe board

but they can take you to court although that's relatively unlikely
but if they do then a CCJ will be given but you can present your income and expenditure to the judge who will make a ruling on how much you need to pay each month.

without knowing your financial details if diffficult to say much else.