private helathcare on dmp

PM22

It's an actual court claim form but when I emailed th epay day loan company she said I could send her some proof that I am working with Step Change and that will be ok 

sourcrates

PM22 said:

It's an actual court claim form but when I emailed th epay day loan company she said I could send her some proof that I am working with Step Change and that will be ok 

I would not take what they say for granted, You should still provide some kind of defence, as these things tend to still go through, despite what the call handler tells you, however if you can live with a CCJ, then of course its your decision.

fatbelly

I'd respond to the court claim giving the same income/expenditure info that stepchange have. That way you should get a ccj ordering you to pay what you already are, rather than a default judgement ordering you to pay the whole amount in one go.

If they choose not to proceed with the claim, that's up to them but you cannot rely on that happening without them confirming it in writing.

You have 14 days from service date to respond.

PM22

I responded to the court forms
It gave the option of sending back to the payday loan company so that's what I did 
I just reinforced the message that I'm working with Step Change and gave their reference number
I'm proud of myself for facing up to it
I think the increase in my medication is starting to help 

sourcrates

Its a case of wait and see what happens now then.

Should this all go pear shaped, and you get a CCJ, don`t panic, as sometimes a judgement can be made to be paid forthwith, i.e. straight away, "if" that should happen, its ok, as you can apply to pay in instalments by making a request to the court for an instalment order.

I`m just covering all the bases here, as hopefully this company with stay the case when they see your situation, but if they don`t, then we can help you deal with it, just so you know..

PM22

thanks for that...I need all the help I can get
It's only for £239 but I just don't have the money to pay it off 

PM22

After being in debt for 28 consecutive years, I've always escaped court action.
It does seem a bit heavy handed after I gave them the Step Change reference.
I feel okay about it. I got 2 hours overtime this month so that's £22.08 towards it.

I'm guessing the judge can't make you pay what you don't have. I feel okay about it.
It would have tipped me over the edge a week ago. Thank God for medication.

fatbelly

It's just a bit of paper. Don't worry about it but do let us know how it develops.