We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Help for a novice please
newdad1
Posts: 6 Forumite
Hi All
I have received a claim form from a county court about a debt to a DCA. I have been paying the DCA for some time and over the last 3 years they have steadily increased my monthly payment which I have been happy to agree to. The monthly amount got to £50 pm so I asked for a statement as the original debt was only £1100 but I received nothing I also asked for the agreement and got nothing so I cancelled the DD back in Dec 09. I have now received this claim form from the court claiming £399 from the DCA. I desperately dont want a CCJ but feel Im due at least a statement and an official agreement, however I only have 5 days to respond to court and dont want to say the wrong thing and end up with a CCJ, can anyone help
I have received a claim form from a county court about a debt to a DCA. I have been paying the DCA for some time and over the last 3 years they have steadily increased my monthly payment which I have been happy to agree to. The monthly amount got to £50 pm so I asked for a statement as the original debt was only £1100 but I received nothing I also asked for the agreement and got nothing so I cancelled the DD back in Dec 09. I have now received this claim form from the court claiming £399 from the DCA. I desperately dont want a CCJ but feel Im due at least a statement and an official agreement, however I only have 5 days to respond to court and dont want to say the wrong thing and end up with a CCJ, can anyone help
0
Comments
-
When you requested your credit agreement and a breakdown of charges/ statement of account did you do this in writing? If yes, was it sent signed for?I refuse to be afraid of the big bad wolf, spiders, or debt collection agencies; one of them's not real and the other two are powerless without my fear.
(Ok, one of them is powerless, spiders can be nasty.)
As of the last count I have cleared [STRIKE]23.16%[/STRIKE] 22.49% of my debt.
0 -
Unfortunately all of the conversations I have had with the DCA have been verbal. I know that breaks a golden rule but I cant change that now I guess0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.5K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.5K Spending & Discounts
- 245.5K Work, Benefits & Business
- 601.4K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards