A week or so ago i received a claim from Northampton County Court on behalf of Arrow Global/Shoosmiths. It was regarding a £5639 debt (initially with MBNA).
For going on a year i've regretfully been ignoring the debt. Since the receipt of the claim, i've made a huge attempt to cut expenses, in order to make space for a significant monthly installment payment. Through the cuts made, i am now able to offer a sum of £180 per month. I sent a claim form with my incoming/outgoings and am now nervously anticipating whether they will accept the offer.
There are now a few questions which are running through my head about what will happen next. Will i now receive a simple acceptance/rejection letter from Shoosmiths? Will they ask for evidence in the form of payslips and bank statements? Will i be ordered to court in order for them to obtain information?
As an extra note, in a separate letter i was sent, i was told a monthly installment offer would not refrain them from going ahead with a CCJ. I've fully accepted a CCJ will be put on my credit file. What it has left me wondering is, what will be the claimants next step? Will they send me a writ of execution whilst also considering the installment offer?
Sorry for the load of questions. Any help would be greatly appreciated. I just feel pretty bewildered about what will happen next, and would love to know what to expect in advance.