Claim form received from Kearns Solicitors

waakyegirl

sourcrates said:

The payment set by the court will be based on your available disposable income, according to the budget you provide them with.

Can I just clarify that you live in England or Wales, and not Scotland?

I only ask as the limitation period in Scotland is only 5 years, whereas in the rest of the UK its 6.

I live in England, 
Does Kearn have to accept/refuse the amount?, and will a payment plan negate a CCJ?. According to Kearns they would accept £500 pm but in the event of anything less, they will accept but I would still get a CCJ

sourcrates

This is something you should really take legal advice on, I suggest you try Legal Beagles.

I would not trust Kearns to stick to an arrangement that would preclude them obtaining a judgement, unless they stay the claim beforehand, and even then I still would not trust them.

What precisely would be the implication of a CCJ to you, do you work in finance or something like that?

gizmo111

You could negotiate a Tomlin Order Tomlin order - Wikipedia which would avoid a CCJ - but make sure you can pay what is agreed.  I had one a few years with PRA and it worked well for me - but you msut do as advised and get that holding defence in to avoid a CCJ by default. 

waakyegirl

sourcrates said:

This is something you should really take legal advice on, I suggest you try Legal Beagles.

I would not trust Kearns to stick to an arrangement that would preclude them obtaining a judgement, unless they stay the claim beforehand, and even then I still would not trust them.

What precisely would be the implication of a CCJ to you, do you work in finance or something like that?

Thank you, I have posted on LegalBeagles and have a conversation going on, thank you & everyone else here