HELP there taking me to court!!

supakid

hi i have posted before... bryan carter have sent me a letter today telling me they have issued litigation proceedings in the county court.. i will receive the claim form in the next 48 hours direct from the court and it says i can phone them and discuss the case with my account manager and if it rules against me i wont be able to obtain credit.

how bad is this i have a day off today and i was about to write a letter for an !!!!!!.... then i got this


also letter is dated 23rd its now the 27th

supakid

anyone???????

RAS

Hi

What sort of debt is this? Have you got the default letter?

terryw

If a county court judgement is obtained against you it will probably affect your credit record and deter others from lending to you.

This sounds like a last ditch attempt to give you an opportunity to pay the debt before proceedings are actually issued.

RAS

terryw wrote: »

If a county court judgement is obtained against you it will probably affect your credit record and deter others from lending to you.

If you have already defaulted on this account, it will have already affected your credit rating.

terryw

RAS wrote: »

If you have already defaulted on this account, it will have already affected your credit rating.

And a CCJ will make it even worse.

NorthernLas

Without knowing much information it is hard to give you helpful advice. From your previous posts it looks like you obtained credit and then did not pay. BC first got in touch in January and you were going to write to them.

1. Did you write to them about a payment plan or F&F?
2. What is the debt for - a credit card that you did not pay?
3. How much is the debt?
4. Can you pay?

What exactly is it that you want help with ...
Stopping the court action?
Defending the court action?
Preparing for the court action so that you can pay off what the judge decides?

I don't have experience to answer your questions, but if you take a breath and start to explain, then someone may give constructive help.

supakid

thanks for the replies people...

well its an argos debt ... i live with my mum and dad i don't want people running in to my house.. im working and i can pay this off and was going to in may.... im stupid i was at uni and they were offering me a card and i decided to furnish my room l.. im not worried about a ccj i think it comes off in 6 years? i don't have any credit cards now just one current account so how will a judgment work against me? i just want to pay it off that's all i just want some advice on what to do now...the debt is for about £700 but on the letter today it says £980 i don't know whats happened there....thanks again people

supakid

NorthernLas wrote: »

Without knowing much information it is hard to give you helpful advice. From your previous posts it looks like you obtained credit and then did not pay. BC first got in touch in January and you were going to write to them.

1. Did you write to them about a payment plan or F&F?
2. What is the debt for - a credit card that you did not pay?
3. How much is the debt?
4. Can you pay?

What exactly is it that you want help with ...
Stopping the court action?
Defending the court action?
Preparing for the court action so that you can pay off what the judge decides?

I don't have experience to answer your questions, but if you take a breath and start to explain, then someone may give constructive help.

hi thanks for your reply... i just want some help on what to do now... have they obtained a court order?.. is it to late to write to them and offer them payment for next month?... this isn't my only debt and i wanted to clear some others off first im looking to be debt free by the end july... whats going to happen to me and how will the results affect me if i get taken to court etc... i have had no contact apart from one letter with me offering them a low !!!!!! which they rejected.

RAS

supakid wrote: »

thanks for the replies people...

well its an argos debt ... i live with my mum and dad i don't want people running in to my house.. im working and i can pay this off and was going to in may.... im stupid i was at uni and they were offering me a card and i decided to furnish my room l.. im not worried about a ccj i think it comes off in 6 years? i don't have any credit cards now just one current account so how will a judgment work against me? i just want to pay it off that's all i just want some advice on what to do now...the debt is for about £700 but on the letter today it says £980 i don't know whats happened there....thanks again people

So it is a store card.

have you ever requested the CCA and do you have the default letter, they have to have sent you this before they take you to court.

JasX

supakid wrote: »

hi thanks for your reply... i just want some help on what to do now...

what to do now entirely depends on whats happened to date and how you've ended up in this position, without providing background nobody here will be able to give you much at all by way of useful advice