CCJ Threat From HFO

Bad_Credit

Hi Guys,

I have just received court paper work sent by Turnbull Rutherford on behalf of HFO. They are claiming over £6400.00 with £3800.00 being the original debt and over £2600.00 in interest and court costs. They are charging me 12% per annum interetsrt on the debt.

I would like advice on how I should reply. I will admit to the original debt and agree to pay in installments but do not agree to the interest payments and the on going interest being claimed. I am currently unemployed but own my own flat.

I would like to know how I should reply to the court. Admitting the original debt and asking for a nominal amout to tbe paid every moth. I was wondering if anyone could advise on how I should proceed and whether there are any template letters that I can sedn with the court papers that will help my case.

Any help/advice would be much appreciated.

Thanks

DevCoder

Are you sure it is court papers, does it have a court reference number?

DCA's are very good at creating court papers which appear genuine.

Bad_Credit

Hi Guys,

Thanks for the replies. I have scanned the letters and the court paper. Any help would be much appreciated.

How do I add the canned images?

Buzby

For the amount you say. it looks as though this is a legitimate action - which, if you do not defend, will be automatically granted. You are not in a position to object to the charges unless these have been applied unfairly. Be also prepared that if the action succeeds, their next step is an attachment on any property you own to ensure payment is made.

This needs to be resisted at all costs, because this means they effectively get a secured loan, whilst charging you higher (unsecured) rates. MBNA were famous for this.