The start of default road

fatbelly

You don't have to include an inc/exp breakdown but if it supports your request it will help.

You can say you are struggling to make essential payments.

If you have a point at which things might yet better, use that as an end point. Otherwise, 'review in 6 months' is reasonable

stu12345_2

is the cca documents they sent 100% accurate?
if you want them off your back for at least 6 months until you maybe start earning more, then send them a financial statement to show you are absolutely skint and can only offer them buttons.
that would suggest they are wasting their time considering a ccj on you .
they may put your account on hold for 6 months and contact you again  in 6 months to see if you are earning more

DD1A

stu12345_2 said:

is the cca documents they sent 100% accurate?
if you want them off your back for at least 6 months until you maybe start earning more, then send them a financial statement to show you are absolutely skint and can only offer them buttons.
that would suggest they are wasting their time considering a ccj on you .
they may put your account on hold for 6 months and contact you again  in 6 months to see if you are earning more

Are you referring to the accuracy of the amount owed?

I do have my bank account that I can pull months of statements that is absolute rock bottom in my overdraft…?

stu12345_2

no, the credit agreement and statements you asked for in your cca request, are they legit the correspondence you got back from the creditors,PRA

DD1A

Well something official came through the door this morning from The County Court

Please advise if this is official and what procedure to take, your input is really appreciated!!!

Thank you

DD1A

This is the document which I have blanked my details and the claim number

RAS

That's official. Keep your eyes open for anything from Northampton.

DD1A

RAS said:

That's official. Keep your eyes open for anything from Northampton.

Ok so take no action to this one I received?

what’s the difference with this and Northampton?

 Regards

RAS

This letter refers to the Northampton Court, which is the main bulk processing court for CCJs.

Do you currently have a repayment scheme in place for this debt?

DD1A

RAS said:

This letter refers to the Northampton Court, which is the main bulk processing court for CCJs.

Do you currently have a repayment scheme in place for this debt?

Nothing as yet but was discussing with others here to maybe initiate first communications with PRA and start the token payments…
Whats your take on this?