Received a civil bill, unemployed with zero income.

jack42_2

Hello everyone.
I am 21 years old, unemployed and living with my Mum. I have a civil bill to which the plaintiff is trying to claim roughly £7000 (Car finance). This has forced me to leave University, I lost my job due to the stress of all of this and it's left me depressed struggling with what steps I can take to get my life back on track.

This isn't my only debt, I also have student loans and others but this is the once that concerns me the most.

I'm not on any benefits as of yet and this is the first place I've went for advice for my debts, hope you can help.

- I live in Northern Ireland.

brandons

If you are feeling the way you do I think the first thing you need to do is speak to one of the debt charities, they have reps on here who will no doubt help.

You say it is car finance, does that mean a loan to help you buy a car or an HP / Contract hire type agreement?

If it was the latter I imagine they will want to get the car back if it was the former then they will want to get a judgement a get enforcement to take that car and sell it.

If you can sell it you may get a better price selling it yourself and paying off the debt than if they sell it at auction.

That would be the most prudent way to reduce the debt, you may of course come to an arrangement but at the moment you have no income so what can you realistically offer, nothing,

National_Debtline

Hi Jack42 and welcome to MSE,


The court system is different in Northern Ireland, to that of England, Scotland and Wales, so you should try one of the local charities to help you and discuss your options. You could try Citizens Advice Northern Ireland http://www.citizensadvice.co.uk/, AdviceNI (AdviceUK's equivalent in NI) [FONT=Arial, Helvetica]http://www.adviceni.net/ or StepChange NI https://www.stepchange.org/Debtadviceinnorthernireland.aspx[/FONT]
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[FONT=Arial, Helvetica]You should also try and get some help for how this has made you feel and consider talking to your GP or the Samarians 116 123. Best of luck, [/FONT]
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[FONT=Arial, Helvetica]Laura[/FONT]
[FONT=Arial, Helvetica]@natdebtline[/FONT]