Help please

Madhatter2

Hey everyone,

After some advice please. I got myself into a bit of a mess. I had a few loans etc which I was managing ok but I lost my job and now keep getting letters saying they are going to take me to court.

I have been told that its very unlikely as its unsecured debt and it would cost the company more then it worth so they just sell it to debt collectors.

However in an email I got today, It said I will incurre any court fees and there legal cost. Is this true? Whats worrying me is, If this is the case, Why done all lenders take every unsecured debt to court if the cost will be past to the borrower? Or is it just incase the court rules to give us more time to pay and at reasonable amount and the lender will be lumped with the cost of taking it to court? Or are they blowing hot air?

I hope all that makes sense, Im not very good at explaining thing over written text. I have copied and pasted the email below so you can see for yourself.

Any advice would be greatly appreciated

Thank you.

Despite attempting to contact you on numerous occasions we have, as yet, not received a response and are now reviewing this case for further action.

We are considering whether to sanction a visit by one of our Field Agents to your property, with a view to discussing this matter in person and reaching an mutually beneficial repayment arrangement.

Alternatively we may decide to pass this account to our in-house solicitor with a view to issuing a claim against you in your local court.

We must advise you that should any legal claim prove successful the balance of the debt will be increased to include any legal fees and court cost we incur and that your name will be entered in the Register of Judgements, Orders and Fines.

We would also look to enforce any successful judgement granted, by way of an Attachment of Earnings (AOE) order (where applicable). This may re sult in your employer being contacted by your local County Court.

This email should be taken as formal notice that we have attempted to agree a mutually acceptable appointment and have been unable to do so through your lack of response. This fact will be later relied upon at court on the question of legal costs, should legal action prove necessary.

Yours faithfully,

MotorMile Finance UK Ltd.

xJOJOx_2

Type the company name into google for interesting reading ;-)

Madhatter2

Thank you.

If a creditor does take you to court does there costs get transferred to you?

I ask as I do have other debts I have been running from, I am trying to get a job so I can sort it out. I just gave up talking to them as all they did was threaten me with door step action and would not listen to me telling them that I could not pay anything until I find a job.

I understand that the chances of them knocking on my door and next to nill and I do understand the difference between a debt collector and a court appointed bailiff/Sharif.

I just remember being told that its very unlickly for a creditor to take you to court as it will cost them more then its worth. This is why I am confused. If they incure the cost why am I being told by the debt collectors that I will incure there legal costs?

Hope Im gettin across my question correctly

soontobemrsg

It's not uncommon for them to request their court fees from the debtor. Put in writing to the DCA's your current situation and offer token payments monthly (£1) until such time that your current financial situation improves.

fermi

xJOJOx wrote: »

Type the company name into google for interesting reading ;-)

Indeed. Click ---> https://www.google.co.uk/#q=motormile+debt

xJOJOx_2

You should speak to the companies you owe money too. Do not contact MotorMile Finance UK Ltd, go to your original creditor and arrange payment with them, you can then tell motormile this and they should back off.

If your not very confident on the phone then write a letter. Try and do it today, then you don't need to worry whether or not your have to go court. Avoid companies like above, go to where debt originally debt from. They will treat you better and have to treat you fairly. If you speak to them they should freeze debts and stop more interest being added.

It is unlikely your be taking to court unless council tax or tax (or a extremely large amount £££) However it can still happen, you never know. There are actions you can do to stop/decrease your debt even though you haven't got a job. Read through the boards and try and take action now before it gets out of control x