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LittleSnowBear

Egg and solicitors going to court

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For 3 months I have not been able to pay my agreed £10 a month to my balance, I have informed the solicitors of the situation and they are taking me to court. I am unsure what to do now. The fees that they said will be put on top of my balance will pretty much negate the small but regular amout I have managed to pay over the last couple of years. I literally have no money (I am looking for a job which I informed them) so when they take me to court they won't be able to get anything (I can't even afford the rent) I am also worried by the time the papers come through i may have got next years student loan (I am a student) and they will take a huge chunk of it.:( They also accused me of paying of another debt and neglecting theirs (I have a debt with natwest) which I informed them was't true nobodys getting paid at the moment not even the rent:(

 

Any help would be appriciated

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Slow down, what is the debt? credit card / Loan?

 

Who is the solicitor, and who is the DCA ir there is one.

 

We need to know the details of the arrangement you made etc before we can advise on a possible way forward


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Slow down, what is the debt? credit card / Loan?

 

Who is the solicitor, and who is the DCA ir there is one.

 

We need to know the details of the arrangement you made etc before we can advise on a possible way forward

 

Agreed!

 

Also, if you have no money whatsoever, then the solicitors action would go against the Courts Overriding Objective:

PART 1 - OVERRIDING OBJECTIVE - Ministry of Justice

 

AC

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Debt is credit card, solicitor is geoffry parker bourne I made an agreement to pay £10 a month with them which we did in writing. sorry about being so fast and mental I was paniking!

Edited by LittleSnowBear

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GPB, that figures!

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OK exactly how was this figure of £10 a month arrived at?

 

Have you CCA'd GPB for the alledged agreement yet?


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I sent them a letter and filled in some form explaining how much money I had and all that and I offered them £10 per month as at the time it was all I could afford

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OK so you have not verified that they bhave a valid agreement in that case send them this

 

edit to suit

 

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

I understand a copy of my credit agreement should be supplied within 12 working days.

 

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

I look forward to hearing from you


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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