Worried: Has anyone had to go to court re: loan payments?

smudgemanc26

Jarvisma wrote: »

Oh, and I didn't have to swear any oaths!

Thank you it has put my mind at rest a little. I will keep you updated on what happened my court date is set for a week today. Got to ask my boss for a day off as im not telling him the reason why i wont be in work next monday morning.

I will remember to take every piece of paper with me. I hope im in there for 10 mins the whole court thing freaks me out!

saver_sam

smudgemanc26 wrote: »

I just dont get why i still have to go now a payment plan has been worked out! :mad:

Often certain lenders still take it to court because then it becomes a formal agreement between them and you and if you then default its one less step for them to take.

As a figure has been agreed then these cases are normally very quick as the clients agent who may attend court normally has been told to ask for the currently monthly installment + whatever you have agreed.

smudgemanc26

Well its fast approaching and im still crapping myself really dont wanna go but no i have to!

Nobody knows that im going booked the day off work as a holiday cant bear to face people and tell them but hate having to lie

sammy115

You must stop worrying - or you will be ill. I was in court facing the Abbey getting my bank charges back (I won) and it wasn't as nerve wracking as I thought. My knees knocked a bit.

Let us know how you get on.

smudgemanc26

sammy115 wrote: »

You must stop worrying - or you will be ill. I was in court facing the Abbey getting my bank charges back (I won) and it wasn't as nerve wracking as I thought. My knees knocked a bit.

Let us know how you get on.

Thanks i will do cant help but worry though im a bit of a stresshead like that (so ive been told!) haha

saffronflowers

Best of luck, judges know the tricks these guys get up to, I hope he/she will be fair.

SFx

amani_2

My experience was the same as jarvisma if you are going with a rep from CAB will they be able to go in to the room with you? my advicer came in with me and spoke on my behalf, I said some yes and no's but nothing else. also took about 10 mins, did'nt swear any oaths either.

smudgemanc26

Hi Well i went yesterday and to be honest it wasnt that bad although i was crapping myself until i came out!

It only took about 5 mins in total and the other guy who was representing the loan company looked about 12 and to be honest didnt really have a clue what he was doing.

The judge has made an arrangement so that i can pay back my arrears in an additional payment to my loan agreement to clear it all. So that was good and i didnt have to say anything or swear on any oaths at all.

Relieved now its over but dont ever want to go back there again i cant say the whole court building or atmosphere was nice.

A few people who came through security after me looked like they had just come off crimewatch!! haha It wasnt pleasant!

Thanks for all your advice people

sammy115

Well done, glad things went ok:beer:

DAVETHE_CARDBOARDBOX

lesson learned for all,
ostrich method does not work,
we all need to face the issues we have in front of us, invariably they are not as scary as we perceive, face your fears...