On a DMP now received a court claim form

nikkifloss

Hi all

I have been on a DMP for the last 2 years. My total debts are in the region of £20k and I had been paying £100 a month but over the last year I had to reduce this to £20 as I've been on matenity leave. I am now going back to work so will be looking at increasing my payments again however it's unlikely I'll be able to afford more then £50 a month as my hours are reduced and I have to pay childcare costs too. I have just had a claim form from the county court as Natwest are refusing to accept payment by installments and they want the payment of £6k (the total amount I owe them) otherwise they will apply for a CCJ against me. I am really worried about what will happen and whether I will end up with bailiffs or a charge on my property.

Can anyone advise?

many thanks

RAS

Hi

Was the £6k a loan or credit card?

Do you have the CCA if it was opened prior to April 2007?

And do you have the default letter?

nikkifloss

The 6K was my bank overdraft- I think the original overdraft ended up being about £4k but they have kept on adding charges. I do have a default notice, what's a CCA?

Thanks

NorthernLas

CCA is a consumer credit agreement, but because this is an overdraft it does not apply.