Hi,

Can someone explain the difference between box 1 or box 4?

box 1 - admit liability for claim and make written application to pay by instalments

and

box 4 - admit liability for claim and apply for time to pay under consumer credit act 1974

the paperwork looks very similar?

Which would be the best one to submit?

I owe the debt, they have proved i owe the debt, i want to pay it off but can't pay in one lot. I would rather not have to attend court if possible, hence why i want to admit and make offer to pay.

Just confused re the 2 options for making application to pay in instalments.

Never admit the debt jenny

Esp if its been sold on and a fleecing dca has raised a claim

What's this all about please

Full story please

aww i just don't want to goto court again over another bill

embarrassed to be in this situation to be honest

I was made redundant in 2012 and only just this year getting back on track.. I always paid my debts until I lost my job, when I wrote to them all... - firstly the prove it letters and then those who proved it i wrote back to say i couldn't afford to pay... (some were written off as they couldn't prove it)

This one is for a catalogue (VERY) just under £2000, Capquest taken me to court, summons delivered by Stirling park

They proved I owed the debt with original documents etc.

I was just confused over box 1 or box 4 to reply as they look like the same? Am I right in saying box 4 may freeze the interest? I just couldn't work it out..

Im on maternity leave and only get SMP at the moment so was hoping to offer around £30 a month (My husband works full time and covers most of the bills).

many thanks again

What do you mean by they've proved you owe the debt..how??

What is the return date on the 1a claim

they provided the signed credit agreement...

It is my debt, all goods got delivered to my home and signed for by me as well. I just wondered what the difference was between box 1 and box 4 when admitting the claim.

I really don't want to goto court and happy to pay in instalments.

return date is tomorrow - i left this late to last minute

when did you take this cat debt out?

and did you sign an agreement?

did you get T&C's too?

box 1 admits the debt and you get a degree.

box 4 is a time order

as long as you keep to the order

theres no degree registered.

HOWEVER this is cabot.!!

they never chase a fully legit debt.

I suspend most of this debt is penalty charges {£12/£20/£25 for this and that letter/late /over etc]

and most probably extra added BNPL interest?

I can't remember when i took it out exactly i will need to recheck that but there is about £400 added on in late payment fees etc since I last made a payment in 2012.

I was hoping to just set up a payment plan for £30 or so per month then after a few months offer a final settlement to clear it...

I have managed to escape quite a few debts but don't feel confident that I could challenge this one.

so I should go with the box 4 option then?

do I put my husbands income on it too or just my SMP?

If its just my SMP I'm not sure how to work out my share towards bills on the outgoings as we have joint account and my bills come out of there but husband has more income than me.

thank you so much again for your help

are the details not on your credit file

if you last paid 2012 then they've piped the SB timer

can you scan up this agreement to PDF?

was this ent for before or after the issuance of the claim?

so what happened?