Advice needed to fill out a court claim form please!

uptomyeyeballsindebt

Hi everyone,

I had a letter come around 9 days ago form the court,claiming some of a MBNA credit card bill,it seems quite self explanatory,but I really don't know what to do!

I have gathered that I have 14 days to fill it out,they state 14 days is 5 days after the issue date,which was 21st March.
Then I'm not sure what to do....the options are:
"If you agree with all of the claim and wish to pay now"
or
"if you agree with all of the claim and are asking for time to pay"
or
"If you admit only part of the claim"
or "if you disagree with the claim or if you want to make a claim against the claimant"
I think I know what I should do,but just needed some advice.I have been to the CAB but it's always packed,and I know that I have to respond to this,hence the reason me not wanting to mess it up.

The amount is £173,or £273 including costs.The credit card bill is fo £1735.71,will they keep sending these court letters for the rest of what is owing?

Thanks in advance for any advice given,I really appreciate it.

plumduff-2

If you agree you owe the money fill in the admission section - N9 and complete this and return to the creditor... I would suggest photocopying it and keeping a copy yourself..

Make an offer of repaymetn on N9 - complete the income and expenditure details, you may want to do this in rough first.. and only offer what you can realistically afford.. If you are on benefits then this can be as little as £1 per month...

As long as you can show the creditor and the judge that what you offer is realistic to your circumstances..

I would then leave it a week, then phone the courts and ask whether they have heard back... make a note of the case ref number... Sometimes, an im very cynical where creditors are concernedd,, they do not send the required documents to the court to inform them that you have responded...