I have recently received several communications for a company called godebt.co.uk who are chasing a debt of £1007 from me.
I contacted them a few weeks ago by email with an offer to pay back £40 / month. They refused this, claiming that they do not have to accept partial payments due to the long term of non-payments.
So, they demanded full payment - something that I cannot do right now. I'm already paying out £500 / month on a debt management plan - which includes a CCJ. (I (stupidly) accidentally missed this debt out when setting up the debt management plan).
Now I have received a couple of letters from godebt.co.uk saying that they are going to server a Statutory Demand in Bankruptcy. They also claim that they will add "costs in the region of 1600.00" to my debt.
So, I have a few questions that I would be very grateful if someone out there could help me with:
1) Are they allowed to refuse to accept partial payments on the account?
2) Would they really be able to add £1600 as costs to the debt?
3) Should I take the threat of bankruptcy seriously?
It's also worth mentioning that I would be in a position to pay off the debt in December - can you advise if it is worth trying to delay this whole process until then - and if so, how would I do that?
Lastly, I have to say that I'm totally impressed by the knowledge being shared on these forums, and the good will of people trying to help out other people in need... great to see.
Thanks for reading