lollipopchops
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Anna1s1 started following lollipopchops
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I phoned shoosmiths on Friday. Said they'd accept payment by instalments and may consider a lump sum f&f settlement. Today, I've received by post, an income/expenditure form. Do I have to fill this in? Or can I write to them with an offer without the I/E form? Are they less likely to accept an offer without the forms? Seriously considering just bunging it all on credit cards to make them go away!!
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I only have a copy of the charge for payment. I've never received anything with regards to the decree, only the original court paper telling me when the hearing would be.
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Hi dx100uk, thanks for your reply. Definitely wasn't 5 years, so no SB. Coming to the conclusion I'm pretty stuffed and I'll have to contact them. Any advice about that? In the previous correspondence, they'd said they may accept a reduced sum. Do you think it's worth pushing for that? Amount is now £6.5k, which I totally can't afford in a lump sum. Also, they've added £1000+ interest!
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Ah, I've just found saintalan's post on the same subject. Mine has been assigned to erudio too. The numbers now are adding up to around £1000 more than the figures given previously. Advice still appreciated.
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Hi, I've followed the previous threads on erudio from earlier in the year. I received the same letters as many others between July and August, except mine were from shoosmiths solicitors rather than drysdens. After reading the advice on these pages, I decided to ignore the letters, they stopped after three. I have just had sheriff officers at my door serving me with a charge for payment of money within 14 days. My student loans were from 96,97 and 98. All old style loans. I deferred for a couple of years and then moved house and forgot about them. They traced me in 2002 and I was served with a court paper for March 2003. I never turned up for this hearing, although I did fill in the income/expenditure forms. I heard nothing afterwards, no letters, no requests for payment. My credit rating was pretty poor from other debts while at uni, I had a pretty basic bank account for a few years, managed to get a new account and credit cards no problem in 2006 and a mortgage approval in 2008. There's nothing on my credit record and I have an excellent credit score. I just wanted to let people know that, although it may be rare for these firms to enforce a ccj after 11+ years, it looks as though they can. Any advice appreciated, thanks.
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