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I have been paying CL finance on a regular basis for about a year but in March i missed a payment and April too, i called today to pay what i had missed and continue my payment plan and they said i had to pay the full amount with in 3 months as court proceedings had already started to issue me with a CCJ. I have received letters but about taking me to court but i ignored them as i thought they wouldnt do it. The amount was £980 but has gone up to around £1180 with fee added on for letters and solicitor fees, i could afford to pay it in around 10 months but not 3. I have checked my credit report and CL Finance do own the debt even though it was originally a Debenhams store card, I dont want to go to court and they seem adamant i cannot start a new payment plan, what can i do?
I have posted on an existing thread without any response but feel it better to start a new one. Today, out of the blue, I received a Northampton Clearing Centre claim for over £17000 for two credit card accounts (on the same Claim) Cabot claim to own. Morgans wrote to me in September and I responded asking for proof of ownership of one of these accts.(Barclaycard) but the other one (Capital One) I have had no contact about at all. I intend to defend these claims because I do not know where their figures comes from; I have had no notice of assignment form the second c/card and no Default notices at all. I have written to Morgans to say I will applying to the court to have the matter set aside until Cabot can prove they have a right to pursue me. I have told them I also need to see the CCA's for these claims. As I am unemployed and have been for 6 months I am no longer able to claim Job Seekers Allowance and waiting to hear if I can claim other benefits becaasue I have ziltch income. Can anyone please provide me with urgent assistance as to what I should do next?