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HPH2 /Cohen - joint cap1 debt - threatening court in 10 days


steve806
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Hi All

 

Short version is I owe HPH2 (ex Capital One) £935 since 2011.

 

Hasn't been paid due to dispute between ex wife and I as to who should pay debt.

Stubbornly I have until this point refused despite debt being in my name.

 

Today I received a letter from Howard Cohen and Co - Notice of Pending Legal Action.

 

It says I have 10 days from date of letter to respond by either making payment or payment plan with Robinson Way or I will be taken to court for CCJ.

 

I am up against the clock as letter is dated 24th August but only arrived today (1st September).

 

At this point what should I do?

 

1. Ignore letter (is it just a bluff?)

 

2. Call Robinson Way and agree a payment plan (can I just offer them a monthly figure or will I have to go through a whole income expenditure exercise?

Thought I would offer £35 a month.

Will they agree to a plan or insist on total payment which I cant afford?

 

3. Other - should I be doing something else?

 

Any help greatly appreciated.

 

kind regards

 

Steve

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are you sure it says WILL anywhere>?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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To quote from the letter

 

 

'Unless acceptable proposals for paying the amount you owe are received within 10 days of the date of this letter we are instructed to issue proceedings in the county court for a CCJ. If we issue proceedings we shall ask the court for an order adding additional costs for legal fees, costs and interest to the amount you owe.'

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Instructed doesn,t mean they will follow orders to actually do so

 

Threat-o- gram

Edited by dx100uk
Opps added spelling

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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