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Hi. I am currently on similar predicament, https://www.consumeractiongroup.co.uk/forum/showthread.php?479254-Arrow-Shoos-SPC-Old-NewDay-Aqua-Credit-Card-Debt-***Claim-Dismissed-no-DN***/page5 after reviewing all the posts and efforts to divert this debt I am in the thinking that there is only 1 outcome and that is to repay the debt in some form. Is it possible to phone the original debt collector and arrange some kind of repayment plan, or should I simply fill in the C2 on response form for time to pay and send to the sheriff. Thanks for all the information provided between the posters, but I don’t think there is any avoidance in paying these small credit card debts with this new Simple Procedure Notice of claim. I don’t like giving up, so please don’t think that of me. Regards
Hello I wonder if someone can give me advice please on how to proceed, I have likely done the wrong thing already. My bank of Scotland credit card was sold on to Cabot who I was paying £5 a month to (all I can afford) I stopped paying a while ago when even that payment got to much due to post op recovery and sick pay. Now it has been passed to nolans law and they are threatening court action. I have emailed them to offer the original agreement of £5 just to get them off my back as I'm scared about a ccj but I'm worried they will decline this offer and take me to court. I know the debt is valid. I know it was sold on and it is on my credit file as satisfied. I am not sure of the best course of action?