Howard Cohen & Co want to take me to court!

Wonder_Girl

La_Tristesse_Durera wrote:

I'm not sure... there's a paragraph and then it goes on to say 'A Claim has today been submitted to the County Court for issue. You should respond to the claim asap... Payment in full of £341.47 being the total amount shown due in the Claim including costs, will prevent judgement being actioned against you...'

So from that the first part looks like they're taking me to court, the second part looks like a 'This is your final chance' statement

Payplan might suggest you miss you first payment to prevent this, however all of your creditors have this option, regardless of the amount owed, just because you have entered into a DMP does not mean that the creditors will not pursue the debt further. To be honest it’s better to get them now rather than later that way in 6 years time you can start to rebuild your credit.

CLAPTON

the point i'm making that if each of your creditors does the same what will you be able to do?

La_Tristesse_Durera

Wonder_Girl wrote:

Payplan might suggest you miss you first payment to prevent this, however all of your creditors have this option, regardless of the amount owed, just because you have entered into a DMP does not mean that the creditors will not pursue the debt further. To be honest it’s better to get them now rather than later that way in 6 years time you can start to rebuild your credit.

Ok thanks, it just seems pointless and a vicious thing to do. By entering a DMP I'm giving an income/expenditure and paying what I can afford... and if they take me to court then surely the same thing will happen there?!?

Oh, just when things were starting to look good I'm now worried sick

Wonder_Girl

La_Tristesse_Durera wrote:

I'm not sure... there's a paragraph and then it goes on to say 'A Claim has today been submitted to the County Court for issue. You should respond to the claim asap... Payment in full of £341.47 being the total amount shown due in the Claim including costs, will prevent judgement being actioned against you...'

So from that the first part looks like they're taking me to court, the second part looks like a 'This is your final chance' statement

Ok, they have sent your application to court (Northampton County Court) it will take a few days for the court to process the application and issue you with a claim form, IF you pay the full balance between now and then CCJ will be prevented, however if you wait until the Claim form has been issued you will then have to pay for the court and solicitors fees also. When you get your Claim form call Payplan and they will talk you through filling it in, you MUST do this asap as you only have 2 weeks to respond. unfortunately there really isn't anything else you can do, Howard Cohen mean business.:mad:

La_Tristesse_Durera

CLAPTON wrote:

the point i'm making that if each of your creditors does the same what will you be able to do?

Fair point, and to be fair I doubt I could pay the £341 off in one go. I could do say £200 this month and £140 next but I doubt that would work. Wondergirl's correct that it's best to get any defaults / ccjs out the way now rather than get them later on.

La_Tristesse_Durera

Wonder_Girl wrote:

Ok, they have sent your application to court (Northampton County Court) it will take a few days for the court to process the application and issue you with a claim form, IF you pay the full balance between now and then CCJ will be prevented, however if you wait until the Claim form has been issued you will then have to pay for the court and solicitors fees also. When you get your Claim form call Payplan and they will talk you through filling it in, you MUST do this asap as you only have 2 weeks to respond. unfortunately there really isn't anything else you can do, Howard Cohen mean business.:mad:

Argh no way. I can't pay this in full. I'm thinking of my outgoings & income this month, and I really doubt I could do it. I've now only got a Basic account too so I can't write a cheque or pay over the phone or anything.

Wonder_Girl

La_Tristesse_Durera wrote:

Ok thanks, it just seems pointless and a vicious thing to do. By entering a DMP I'm giving an income/expenditure and paying what I can afford... and if they take me to court then surely the same thing will happen there?!?

Oh, just when things were starting to look good I'm now worried sick

I’m not going to argue with you, I think GE can be very vicious when it comes to people in DMP’s, you aren’t the first and most certainly won’t be the last I’m afraid:mad:

Don’t be worried, it’s JUST a CCJ, so it affects your credit rating for a few years, so what, your in a DMP it’s not like your going to be rushing out and getting credit in the near future.

Take a deep breath, it's all going to be ok

La_Tristesse_Durera

Wonder_Girl wrote:

I’m not going to argue with you, I think GE can be very vicious when it comes to people in DMP’s, you aren’t the first and most certainly won’t be the last I’m afraid:mad:

Don’t be worried, it’s JUST a CCJ, so it affects your credit rating for a few years, so what, your in a DMP it’s not like your going to be rushing out and getting credit in the near future.

Take a deep breath, it's all going to be ok

Waaaaaaaaah!! Waaaaaaaah
Sorry for my panicked post earlier, I'm not that scared of a CCJ if it's just a tad worse than a default, I'm scared about bailiffs
Time for some sleep methinks... thanks for your help :beer:


PS Anyway's that reminded me, your tickets are here, and in 12 hours time they'll be wizzing their way to you!

Wonder_Girl

La_Tristesse_Durera wrote:

Waaaaaaaaah!! Waaaaaaaah
Sorry for my panicked post earlier, I'm not that scared of a CCJ if it's just a tad worse than a default, I'm scared about bailiffs
Time for some sleep methinks... thanks for your help :beer:


PS Anyway's that reminded me, your tickets are here, and in 12 hours time they'll be wizzing their way to you!

Don't be sorry, it's scary stuff :eek:

No probs hun, anytime :beer:

but please DO NOT worry about bailiff one little bit, as long as you respond promptly to the claim form and make sure you don’t default on the Judgement amount there is NO WAY bailiffs will EVER get a look in!

Payplan will talk you through it tomorrow in detail, but I assure you as long as you follow Payplans instructions you will be fine, I promise

Ohhh Yay! you are a star:T

rog2

La_Tristesse_Durera wrote:

Argh no way. I can't pay this in full. I'm thinking of my outgoings & income this month, and I really doubt I could do it. I've now only got a Basic account too so I can't write a cheque or pay over the phone or anything.

You wouldn't have to. Even if they push it through the Northampton Fast Track, you will still have the option of making an offer of payment. Even Howard COHEN can not take your rights away from you:beer: