Restons - court form

currypot

hi,need some help,took a £10,000 loan from RBS about 5 years ago,was paying it off monthly until i was made redundant.Subsequently RBS started charging more money when i could not make a payment,it got nasty then they sold the debt on.It has now changed hands to about 5 different debt companies and we have been paying them monthly until a few months ago,the last company stopped taking money from our account.Now just got a letter out of the blue from a company called Restons who say they own the debt,and want £10,631.10 now.
I phoned them and was told can i make an offer now,of which i can not,so was told to complete the form they sent me.The whole total is now £11,209.50. £100 solicitors fees and a Court fee of £478.40.

I have not been to Court so find that strange,basically what part of form should i sign? Do i sign the "If you agree with all of the claim and are asking for time to pay?"
Or
"If you admit only part of the claim?"
Or
Counterclaim?
I really am worried as to what to sign,,there is a sheet what i can write in all my outgoings and earnings.I am in full time work,do not own a House,I rent,and have no assets,only other debts.
I have till the 27th April 2015 to return the forms so Restons said.
Any help would be very grateful.
I want to pay the debt,but cannot afford large sums,the last company were taking £20 a month,I know that is not a lot considering the debt,but when you have no other cash,what can you do?

Clive_Woody

Try not to worry, I suggest you call one of the free debt charities, such as 'Step Change' who will be able to offer a lot of advice on how to proceed and what to sign and how to complete the forms and make them an offer of what you can really afford. They have a free phone number and will have seen many cases like this before so will be able to help.

http://www.stepchange.org/

chanz4

Does it have a case number on it? If so respond online to the court

currypot

Thanks for the advice,yes it does have a court number on the paperwork,,,can they do that? First i have known of it,,I have never been to Court in my life so find it a bit worrying,not knowing what to expect.
I guess as I don't own a home or have assets than Restons cannot "Rob" me like other poor folk,,but what can the punishment mean for me? Prison?
I have no idea.

Clive_Woody

currypot wrote: »

Thanks for the advice,yes it does have a court number on the paperwork,,,can they do that? First i have known of it,,I have never been to Court in my life so find it a bit worrying,not knowing what to expect.
I guess as I don't own a home or have assets than Restons cannot "Rob" me like other poor folk,,but what can the punishment mean for me? Prison?
I have no idea.

Worst case the judgement goes against you and you are ordered to repay the debt but the judge will only make you pay what you can afford. This CCJ will go on your credit file and you won't be getting credit for the next 6 years.

currypot

Thanks Clive,I can live with bad credit,,from now on i only buy if i have the cash,will never be in a position to buy a house,so that does not worry me either.

To reiterate,should I fill the form for Restons or Online for the Court?

Also,Is it my wages they go by or can they include my wife's?

Clive_Woody

currypot wrote: »

Thanks Clive,I can live with bad credit,,from now on i only buy if i have the cash,will never be in a position to buy a house,so that does not worry me either.

To reiterate,should I fill the form for Restons or Online for the Court?

Also,Is it my wages they go by or can they include my wife's?

Give Step Change a quick call they are the experts not a bunch of strangers on an internet message board. You need to go about this the right way to make sure that the judge does not order you to repay more than you can afford.

fermi

Read --> County Court - replying to a claim form

Then call National Debtline on freephone 0808 808 4000 to talk it through and make sure you are doing everything right.

sourcrates

currypot wrote: »

I guess as I don't own a home or have assets than Restons cannot "Rob" me like other poor folk,,but what can the punishment mean for me? Prison?
I have no idea.

You cannot go to prison for debt in this country, relax.

You have obviously received a county court claim from Restons, your best bet is to ring National Debt line for advice on filling in the forms.

bear in mind the timescales for responding to the court.

fatbelly

currypot wrote: »

.I am in full time work,do not own a House,I rent,and have no assets,only other debts.

You do need advice on the whole picture. National Debtline are well placed to help.

fermi

Yes. With respect to StepChange, they are usually not the best advice service to ask about court claims. In general National Debtline are better in that area.