aj1982
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Posts
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I only have a tablet, but it's a light blue letter that has a court ref on it with a court number, I logged onto Moneyclaim.gov.uk to acknowledge the claim.
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The court is in Norwhich, I'm from the Black Country so it's miles away.
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I'm sorry, it's not like I'm not listening to you guys, I really appreciate you advice. I'm just bricking myself here. I've even hit the drink I'm so scared. I just don't want to worry about this.
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What if if I offer them less, £500 for a full and final settlement, do you think they would take it?
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Ok. Trouble is I'm down to my bones in my fingers thinking this will all go bad and I'll get thus CCJ.
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Thank you all for this help by the way!
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Ok. All I've done so far, is acknowledged the debt on the court site, ticking the box to say I wish to defend this. But gave no more details. From the web I know they need to show a CCA but how hard would that be for them? I just ticked a box on a website, they could easily just show that.
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Ok. But how Can I defend? I did it, it's my fault.
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I'm scared to death of this CCJ though, I really can't afford it but I can put it on my Vanquis card then pay it off slowly without the CCJ issue. a CCJ would kill my hope of a better credit rating. I'm sorry I did these things and if I could I'd take it back. But right now I'd happily just pay it if it prevents the CCJ.
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I got an official court letter, I went online to acknowledge the issue and buy myself 28 days, but I'm prepared to pay this in full by this Friday.
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I can remember ticking a box on the catalogue website that said that was as good as me signing a credit agreement. So I'm in no doubts Cabot could produce this in court and I'd have no leg to stand on?
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I suffer from severe anxiety, and yes I'm scared. These credit cards I have are high rate but they have given me a sense of hope, that in the near future I can get better credit. If this CCJ goes through I'm done for until I'm 39
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It was £850 but with costs it's gone upto £950. I'm just scared to death of this CCJ. I admit I was a bad person back then running up debts and not paying. But I've worked hard this last two years with high rate credit cards to build my credit rating paying on time etc got a mobile contract and kept it in good stead. But a CCJ would kill that. I'm 33 and in the near future want to get into the better credit cards and such, I even had to appeal with capital one to get one of their cards.and don't want to mess up all that. I've sold a few things and I'll have the £950 by Friday this week. Just that I have another debt with another catalogue for £1500 if they hit me with that I'm never going to get it, maybe if I pay this they'll give me some time to come up with the rest?
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Thanks for the reply. But there no defending it really, I did it its my fault. And I'm sorry for it. I just don't want a CCJ against me, I'd be 39 before it dropped off and even though paying the £950 would hurt me bad I'd rather do that than suffer 6 years of a CCJ. I've sold my possessions and come up with £700 and I'm pretty sure I can get the other £250 by Friday.
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Long story short, I I defaulted on a catalogue debt in 2010. I was in a bad place mental health wise. I'm in no way trying to use that as an excuse. And I've just got a court letter saying Cabot are taking me to court and will get a CCJ against me. I've been working hard to improve my credit over the last two years and admit I should have sorted this out but I've been ignoring it. I went online to acknowledge the case. But I've sold a few things and will be able to pay the debt in full by this Friday. Will this prevent a CCJ being logged against me? I'm lost here because this is the first time this has ever happened to me. But I don't want a CCJ on my credit file.
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