Phoenix Recoveries

[kurtangle]

Hi

I was wondering if anyone could help me, a few months i received a claim form from Northampton CC saying that i owed Phoenix recoveries some money. I put in a defense to this as i did not know who Phoenix recoveries were. I then received a letter from Geoffrey Parker Bourne to say what the debt was, i now agree that the debt is mine, but the problem i have now is Geoffrey Parker Bourne have sent a letter asking me send a withdrawal of defense and consent to judgement letter back signed.

I am just not sure what this means "consent to judgement", does this mean i will have a judgment against my name.

Any help would be great

thanks

[kurtangle]

Hi

I was wondering if anyone could help me, a few months i received a claim form from Northampton CC saying that i owed Phoenix recoveries some money. I put in a defense to this as i did not know who Phoenix recoveries were. I then received a letter from Geoffrey Parker Bourne to say what the debt was, i now agree that the debt is mine, but the problem i have now is Geoffrey Parker Bourne have sent a letter asking me send a withdrawal of defense and consent to judgement letter back signed.

I am just not sure what this means "consent to judgement", does this mean i will have a judgment against my name.

Any help would be great

thanks

[PGH7447]

What is the debt is it a creditcard or a loan?

A consent judgment means you sign an agreement to pay xx for xx Months, and if you miss a SINGLE payment, they enter a judgment against you without further notice.

consent judgement

A consent judgment is a final, binding judgment in a case in which both parties agree, by stipulation, to a particular outcome. A consent judgment is used in order to settle an issue before a court and to end litigation. A consent judgment is often rendered by a judge in the form of a consent decree.

[kurtangle]

thanks very much for this, i just didnt know what i would be agreeing to

the debt is for a catalogue

thanks

[2Grumpy]

Yes.

You should get advice about defending this

Even if the debt is yours, it is probably worth defending

You don't know that the amount is correct, whether there are any penalty charges etc.

You don't have the CCA so you don't know if they have kept to their terms & conditions or whether it is enforcable by the courts

You don't know if any default notice was sent out with the correct balance and correct format

you don't know whether a period of 6 years has elapsed since you acknowledged the debt

So go with a CPR letter & get all the information that you can. Send a CCA request

You might have to tell the court that you need to change your defence

[2Grumpy]

Originally Posted by kurtangle

the debt is for a catalogue

Catalogues generally don't keep credit agreements

[2Grumpy]

which catalogue is it?
was it for purchases on credit - pay over n weeks - or have pay an invoice in one payment?
how much is it (approx)?
when is this from?
how long since you last paid anything?
have you had any other letters about this?
have you moved house a lot so that they couldn't trace you? it seems strange that they would persue you like this without any previous letters

[mnrbig]

..

[PGH7447]

duplicate thread

Thread link edited to avoid further confusion

[MARTIN3030]

2 threads merged-please keep to one thread

Thanks PHG7447