Flint bishop solicitors issue of court proceedings

Hi I really need some advice in 2010 I got a loan with the credit union partners I then fell on some bad time I lost a really close family member and threw myself into work as a way of coping I continued to make my payments for around 8 or 10 months but after that I hit a brick wall so to say and was signed off work with depression I know I shouldn't have but I buried my head in the sand and ignored my debts as I wasn't working I didn't have enough coming in to cover my debts, I have written to the company and had no reply and I was to ashamed to go in the store. Today for the first time I have had a letter from flint bishop solicitors saying notice of court procedings this is the first I have heard in almost two years and I am trying my best to make a payment plan and get myself on track, I have emailed them asking to make a payment plan today as soon as I got the letter but it says that they want full payment in 7 days I know I should have avoided this but unfortunatly I did. Do you think they will set me a payment plan or just take me straight to court? Please help as I am very worried.
Thanks

Comments

  • How much are we talking about?
  • £1500 the debt was originally £2000 and I have paid about £1000 but because I stopped charges of around £500 have been added.
  • shedhead55
    shedhead55 Posts: 246 Forumite
    If they do take you to court but you explain to the court that you are unable to pay the full amount but are willing to enter into a payment plan for as much as you can reasonably afford then the chances are the court would accept that. For that reason if those acting on behalf of your creditor are aware of that then if they have any sense then they will accept your payment plan. At the end of the day their job is to get you to pay up and if they can do that without going to court it is to everyone's advantage.
  • I do hope they will accept a payment plan and not go to court? Has anyone else dealt with this company befor?
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