I have had a letter from Brian carter Solicitors saying that a ccj has been entered against me on the 17 December 2015.
I did get the court papers but stupidly ignored them after reading different things on the internet about not admitting anything.
The bill is for £501.64 and he is asking for £50 a month which I can't pay.
The letter says they will consider further enforcement action if the payment is not made.
I don't know what to do.
I have also received another letter from Lowell which says pre legal assessment
threatening another bill being sent to their solicitors (probably Brian carter again) .
The bill is for £836.77 and the letter talks about ccjs and possible bailiffs.
I have absolutely no idea where I stand as far as bailiffs are concerned. I don't own my home.
Do I have to let them in? I've seen programmes on bailiffs and the thought terrifies me.
I realise this is my own doing but trying to pay rent and council tax as well as feeding 2 kids has been my main priority.
I had these debts as well as some others with stepchange but the payments got too much and I had to cancel the agreement.
Stepchange said one of the options was bankruptcy but I panicked and just left things.
But because they have been paid a little bit, this is surely classed as acknowledgement of the debt?
Any advice would be greatly appreciated. I'm frightened of answering the front door.