Need help with Next Directory

StinkyPinky_2

Hello,

First time on here today.

I am paying off my Next Directory debt.
I owe them £230 now and pay around £10-20 a month.

This morning I received a claim form from Northampton county court for the full sum.

I am not sure if I signed the credit agreement and I am going to write them a letter asking them to send me a copy of the signed agreement (that's if I've sent one).
I have done a bit of reading on here and it says it take 14 working days for them to send it to me.
But on the County court form it says that I have to send the form back in 12 days.

I dont know whether to send a letter for the agreement and also send the court form or just wait for the agreement letter to come through.

If anyone can give me some advice I would be very grateful.

Thankyou.

StinkyPinky_2

Can anyone give me some advice please?

JohnInDebt

Are you saying you don't owe this money or are you trying to avoid paying it back?

rog2

Northampton County Court is, basically, the 'fast track' court, favoured by many creditors as they tend to 'rubber stamp' claims. You DO have the right to make an offer of payment, but I have to say that I am a bit wary of any summons issued by Northampton as I do not feel that, given the number of claims they handle, the debtor always gets a fair hearing.
You also have the right to attend the court, although I believe that you may have to inform them of this, as most claims, in my opinion, are dealt with in the back rooms.
ANOTHER alternative that you have is to request that the claim be moved to your local County Court, where you can put your case in person. This would be MY preferred option.
You can ask for information at your local County Court - I have always found them most helpful.

StinkyPinky_2

JohnInDebt wrote: »

Are you saying you don't owe this money or are you trying to avoid paying it back?

No, I do owe this money and want to pay it back but I am sure I read somewhere that if you haven't signed the credit agreement they might be able to freeze interest on it and give me more time to pay.

StinkyPinky_2

rog2 wrote: »

Northampton County Court is, basically, the 'fast track' court, favoured by many creditors as they tend to 'rubber stamp' claims. You DO have the right to make an offer of payment, but I have to say that I am a bit wary of any summons issued by Northampton as I do not feel that, given the number of claims they handle, the debtor always gets a fair hearing.
You also have the right to attend the court, although I believe that you may have to inform them of this, as most claims, in my opinion, are dealt with in the back rooms.
ANOTHER alternative that you have is to request that the claim be moved to your local County Court, where you can put your case in person. This would be MY preferred option.
You can ask for information at your local County Court - I have always found them most helpful.

Thanks.
What I will do is send them baqck the form and try and pay a bit more each month.

rog2

StinkyPinky wrote: »

Thanks.
What I will do is send them baqck the form and try and pay a bit more each month.

Make your offer and, provided that you have made it clear that you are taking the matter seriously and that the offer is sensible, then most courts will accept it. No court will force you to pay more than you can reasonably afford and the payments will be legally binding to both you and Next Directory.

StinkyPinky_2

Thanks for the advice, means a lot!