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CCJ papers arrived what shall I do?
abi1811
Posts: 13 Forumite
Hi,
I don't know if anyone can help me. I recieved CCJ papers from Northampton County Court on friday regarding a debt with Nationwide which is being dealt with by Bryan Carter solicitors. I had a phone call from BC on Thursday informing me that these were on there way, before this they had not contacted me for nearly a year. They have said Nationwide would be willing to accept £300 to clear the debt (the debt stands at £455 including court fees). I can only raise £200, what do you think my chances are of them accepting this?
The alternative is to dispute part of the claim as it resulted from £18.67 of unpaid S/O which I didn't notice (i stopped using the account the month the charges were first applied) for 6 months, but when I checked my statements and realised (the debt was now £144) I contacted Nationwide and offered to pay £5 as it was all I could afford at the time as I am also paying a DMP. Nationwide refused my offer I said they would continue to add charges until the account was no longer overdrawn, which they did until the debt was passed to frederickson International.
I don't know if any of this makes sense but would be grateful for any advice on how to deal with it. Thank you.
I don't know if anyone can help me. I recieved CCJ papers from Northampton County Court on friday regarding a debt with Nationwide which is being dealt with by Bryan Carter solicitors. I had a phone call from BC on Thursday informing me that these were on there way, before this they had not contacted me for nearly a year. They have said Nationwide would be willing to accept £300 to clear the debt (the debt stands at £455 including court fees). I can only raise £200, what do you think my chances are of them accepting this?
The alternative is to dispute part of the claim as it resulted from £18.67 of unpaid S/O which I didn't notice (i stopped using the account the month the charges were first applied) for 6 months, but when I checked my statements and realised (the debt was now £144) I contacted Nationwide and offered to pay £5 as it was all I could afford at the time as I am also paying a DMP. Nationwide refused my offer I said they would continue to add charges until the account was no longer overdrawn, which they did until the debt was passed to frederickson International.
I don't know if any of this makes sense but would be grateful for any advice on how to deal with it. Thank you.
0
Comments
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As it's got this far, I'm actually surprised they even agreed to £300 rather than the full amount. I was in the same situation however had just over £3k which had been passed to sheriff court. Luckily I managed to get parents to bail me out.
As the unpaid S/O looks like it was your fault rather than theirs (correct me if I'm wrong) I'm not sure how you would dispute this.
If I was in your shoes I would do everything possible to get that extra £100 and pay the debt. Sell whatever you can (TV, phone...anything).
Having a CCJ will affect you for the next 6 years so unless you already have very recent defaults I'd try your best to stop this happening...0 -
Thanks for the advice. You are correct it is my fault that I incurred the initial charges but I feel that Nationwide treated me rather badly with there refusal to accept the payment I offered.
I'll try and find the rest of the money. How much do kids go for on ebay? lol0
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