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Court Claim Advice Please!
wiggywoo25
Posts: 2 Newbie
Hi, this morning I recieved a letter from a county court in Northampton. It was about a debt I apparently have with Express Gifts/Cabot Financial
I have no idea what to do now, and I have been looking on the internet all morning at sites and to be honest I am now even more confused as to what to do. I then remembered this forum and was hoping I could ask for help and get some that I will understand ( all the legal stuff just bamboozles my brain!!!)
I do no remember much about the account I have here but it was from October 2011 apparently. Is there a letter I write now? Or do i just wait it out
Thanks in advance
I have no idea what to do now, and I have been looking on the internet all morning at sites and to be honest I am now even more confused as to what to do. I then remembered this forum and was hoping I could ask for help and get some that I will understand ( all the legal stuff just bamboozles my brain!!!)
I do no remember much about the account I have here but it was from October 2011 apparently. Is there a letter I write now? Or do i just wait it out
Thanks in advance
0
Comments
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Hi,
If its a claim form you have received, you only have a certain timescale in which to respond to it.
You should acknowledge service online, that will extend your time frame for submitting your defence to 28 days i believe.
You need to decide how to approach this, you either have to admit the debt in full, part, or defend it.
When was your last payment, could it of been over six years since you last paid ?
Bit more detail is required to be honest.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Hi
This factsheet gives an overview of the court claim process which might help.
www.nationaldebtline.org/EW/factsheets/Pages/replyingtoacountycourtclaim/replyingtoaccj.aspx
James
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
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