hi

i am now really really worried, today i have recieved a letter from "green & co" solicitors on behalf of triton - natwest that they want £11,000 within the next seven days or will be taking us to court - legal action, my husband has tried to make a reasonable payment plan with them but they wanted £1800 a month. i am so scared now. hope i have posted this in the correct place if not really sorry.

thanks for any advice anyone can give me - us

just their inhouse solicitors ...It is standard practice, they will try and get as much as possible out of the debtor and will threaten legal action if the person does not agree. However, when they finally get it into their heads that they are not going to get this amount they will ask for an income and expenditure breakdown (which you do not have to give them), and will then try and agree a lower sum.

The important thing is to tell them what she can afford to pay, and give them them the "take-it-or-leave-it" ultimatum. They know full well that they would not get the amount they have asked for if it went to court.

Have a look through the DCA template letters - and don't let them harass either. Correspond on your terms - and if they keep pestering, you can demand they stop.

dx

think i have put this in the wrong place can it be moved?

Hi Nilrs,

What forum do you want this in, and it'll be moved there.

my husband has tried to make a reasonable payment plan with them but they wanted £1800 a month.

This was over the phone. They said at a last resort they would accept 10% a month which was £1100.

I thought it would have been over the phone as they will tell you any old guff that they wouldn't dare put in writing. From now on you must insist that all communication is in writing only. It is your legal right to do so.

These people have no legal powers at all so don't be scared of them. If they were to take you to court (this is unlikely) and get judgement against you then you could apply for a time order based on your ability to pay. The court would look at your income and expenditure and make installments based on your ability to pay. The amount of these installments would be set solely by the court.

I would also add that courts take a dim view of creditors who take people to court who are already attempting to pay their debts in line with their ability to pay. When making any offer of payment remember that this is a non priority debt and should be treated as such. What that means is make sure that allow for all your other bills first before seeing how much money you have left over. If you need a statement of affairs calculator to help you with this just let us know.

What type of account is this and when was it taken out?

Are there charges on the account e.g. late payments fees, etc? If so do you have any idea how much these might be?

Have you received a default notice on this account?