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Hi all, fantastic to see so many people bunching together to get some fair play out of the system. I injured my back 2012 and consequently struggled to keep up with credit card debt, couldn't keep up with offered payments from halifax so gave up. Have received calls letters from first credit in the last year or so. Have twice sent my step change papers asking for time to pay and temporarily offering £1 per month but have received no response or acknowledgement. Yesterday received the claim form, debt approx £3800. I need to avoid a CCJ at all costs but can't get the money together to pay the whole amount in time to avoid it, I work as a builder and accounts for suppliers, phone contract, van lease etc etc will be gone if I can't avoid it so may as well just give up. Any advice as to how I could get past this would be hugely appreciated!!!!! regards Another flipper Also worth adding I have received all sorts of letters offering different payment options but no letter to say they were going to take me to court if I didn't agree to one. No warning. J ust bang CCJ papers claim.