bryan carter solicitors ccj claim form HELP PLEASE

sarah1471x

I got a letter today from northampton county court claim form
amount 288.00
court fee 15.00
solicitors costs 50.00
total amount 353.00
requested by bryan carter solicitors llp
this is all regarding an origanal dept from great universal i already have a default for this dept which is due to drop of my credit file in april 2013
i have never made payment to these solicitors or acknoledged the dept to them
i made about 400 pounds of payments to moorcroft then moved house then it went to arrow i think it was which i never made payment to
can someone please help me stop this ccj from happening as ive been rebuilding my credit rating for years now and when this default drops off it should all be good i really need to stop this ccj as i want to get a mortgage next year with my partner
can someone please help me

McKneff

I'm just curious, why did you stop paying it.
As far as Im aware, you have actually acknowledged the debt by paying the £400. When did you pay this by the way.

Wait for more people coming along to help. If you owe it though,
maybe t is best to pay it before it actually gets to your credit file.
Read the papers that came with it, thoroughly

sarah1471x

i stopped paying 10 a month to moorcroft last year as i had moved lost job lots goin on ,i then had letters from arrow and now bryan carter solicitirs claim form for northamton county court i didnt relise till i looked on my ccredit report last year that i had a default for the origanal dept from great universal

Gareth19

from the info you provided it sounds like all you can do stop a CCJ is pay up

even if a CCJ is granted you can still pay up within 28 days

sarah1471x

default date was 15/03/2007
default amount was 812 pound
i paid moorcroft 10 pound most months up untill last year when i stopped paying the balence was 288

sarah1471x

if i pay will that stop the ccj alltogether i really need to stop it i can borrow money of family if that will stop it effecting my credit score ,will they take any less to clear the dept thanks for all your help everyone x

Gareth19

sarah1471x wrote: »

if i pay will that stop the ccj alltogether i really need to stop it i can borrow money of family if that will stop it effecting my credit score ,will they take any less to clear the dept thanks for all your help everyone x

as you say you already have a deafult so your credit file is already not the best but yeah contact Bryan Carters and pay it. It seriosuly isn't worth risking a CCJ (especially if you have plans for a mortgage next year!)

As the debt is quite old I'd say you have a very good chance of them accepting less. make them an offer....

sarah1471x

thank you for all your help i will make them an offer x

Gareth19

sarah1471x wrote: »

thank you for all your help i will make them an offer x

all the best with it!

fatbelly

sarah1471x wrote: »

if i pay will that stop the ccj alltogether i really need to stop it i can borrow money of family if that will stop it effecting my credit score ,will they take any less to clear the dept thanks for all your help everyone x

You have 14 days to respond to the claim form (28 if you complete the acknowledgement of service).

If you can pay this straight away you can file a defence that the debt is 'paid in full' and no judgement should be issued.

As Gareth has said, if you get the judgement and pay within 28 days then it is not registered with the credit agencies.

It's a bit late to try a settlement deal. You can try but they've already spent money on the claim, and time is against you. If a clean credit file is important then you just need to pay this.

McKneff

If you can get the funds together, just pay it and think about how good your going to feel when you are debt free, no ccj to worry about and your credit file about to clear.

Phew, good luck.