final demand from moriarty law

natalie_watson

have just received a 'final demand before court proceedings ' letter fom moriarty law saying if we don t reply and pay within 16 days the debt goes up and county court etc , the debt was from brighthouse was interest that was left to pay but i fell into difficulty tryin to keep up with the weekly payments , whats my best course of action please anyone as i have 5 children and im struggling already this xmas an dont even no where id find 500 pound in one go! worried

[Deleted User]

Contact Moriarty and arrange a payment plan with them

natalie_watson

that was my plan but i was worried they wouldt not accept or would want a huge weekly amount which again id struggle with , i want to pay it obviously but im in the situation because of big weekly payments and would struggle again , do they have to accept what i offer or will they dictate terms do you think?

PixelPound

Is it just xmas struggling with or all year - can post on debt free wannabe board.

The letter you got does it say anything like Letter of Claim or Letter before Claim or Pre-Action. Does it include a budget form or give options to pay in installments

As you state you owe it and it is affordability that is the issue, it is really coming to an agreement that is affordable for you. Don't just ignore it, seek free debt advice if struggling.

PixelPound

natalie_watson wrote: »

that was my plan but i was worried they wouldt not accept or would want a huge weekly amount which again id struggle with , i want to pay it obviously but im in the situation because of big weekly payments and would struggle again , do they have to accept what i offer or will they dictate terms do you think?

They will probably try to get a high amount ut of you, but don't agree to anything unaffordable. Make an offer you know you can afford, don't feel you have to offer more because they may refuse. If they want to go through a budget with you you can refuse and state what you have offered is affordable. If they are unwilling to do that, request some breathing space and create a budget with CAB, stepchange, national debt line, etc and provide that to them.

natalie_watson

no it doesnt , im going to phone it shortly and see what they say , hopefully they will be reasonable , thank you for your time

natalie_watson

so basicly dont let them pressure me into high payments

[Deleted User]

They will ask you for incomings and outgoings and work something out based on that

natalie_watson

so theyl just add up my benefits u mean , as thats my income

Willing2Learn

Don't phone them if is pre action protocol paperwork and forms. Just complete the form including the part for instalments. Make sure your offer is affordable.

[Deleted User]

natalie_watson wrote: »

so theyl just add up my benefits u mean , as thats my income

Then yes that's what they'll use.

It doesn't make you exempt from paying them