So much debt

always_gotta_headache

I have the court papers in front of me, who do I send the cca request to, is it CL Finance who are the claiment or Howard Cohen solicitor who is mentioned on the form, thanks

always_gotta_headache

I have the court papers in front of me, who do I send the cca request to, is it CL Finance who are the claiment or Howard Cohen solicitor who is mentioned on the form, thanks

always_gotta_headache

also when I fill in the claim form do I agree i owe the money or not, thanks

always_gotta_headache

can anyone offer any advice?

RAS

always_gotta_headache wrote: »

Hi

I have checked the court papers and its for my hsbc bank account, its not from my bank account its my loan from hsbc that I took out in 2001 and havent paid since august last year.

Sorry

Missed the fact that you were dealing with court papers in amongst the other stuff.

Can you check with CCCS again, but I doubt if there is time for you to complete a CCA if in the timescale that you need to return the papers.

samantha-c_4

hi me and my partner are in debt, by about £7000, they told us that we could do dmp with cccs but partner lost his job now so we dont have any money to pay to debtors, cccs advised us not to go bankrupt due to the ammont we owe.
although in your case i would prob suggest it, (thats if you can afford to it costs around £400 per person)!

nannynita

almost debt free now thanks to cccs

KILL_BILL

This is really importanant

Have you filed an acknowldgement of service when you received the papers

You have 14 days from the date of the summons to do this. This then give you a further 14 days either to file a defence or partial admitance of your claim.

this also places the court hearings is a location close to you and not the issuing banks local court.

from the information that you have given bankrupcy is not the route to go down.

You have no assests at all so in effect if you have minimal income and no property etc, if you goto court and state what your finances are and offer £1.00 per month then thats what you do - to some people that might seem a cheek when you have a £20,000.00 loan outstanding but if you genuinely dont have the money then you cant get blood from a stone.

also they cant come after your bf becuase it is your loan and not a joint loan

endoftunnel

always_gotta_headache wrote: »

Hi

I feel sick, I owe about 28,000 in unsecured loans, im not working due to having a baby. Can a creditor force bankruptcy on me.

I know the feeling. I have got £50,500 in unsecured loans and credit cards with 9 different creditors. I have signed a scottish trust deed (IVA in England).

My advice would be to phone the CCCS or CAB and ask them the best way forward.

movingforward2010

im confused? if a creditor were to make you bankrupt what would they gain if you had no assets ? how would they get any money back, wouldnt it just cost them - for nothing?