Internation Correspondance Schools court summons

[lrak]

Hi,

 

I received a letter from ICS regarding outstanding debt, I missed a couple of payments, settled them, missed a third, it was passed on to a separate collector and I agreed to repay the amount I owed. Now I am spreading this over a course of months, £480 total at £40 a month. They've sent me a letter demanding the full remaining balance of £361 to be paid within 8 days and that they're preparing a court summons, and that I should either pay up or seek legal advice.

 

They say I signed a credit agreement, as far as I was aware they'd only set up a direct debit, there was no credit check performed and no credit account is open on my Experian report.

 

Where do I stand with this? I cannot afford to pay that much up front.

[debt4get]

if you didnt sign a cca agreement and they said you did then you need to demand a copy of the agreement, there are letters in the template section to ask for copy it cost £1.00

[lrak]

Ok I've phoned the number on the letter, the automated message says "Thanks for calling Clarity"... and it was all set up online.

 

I'm guessing Clarity are some kind of agency, would they be accommodating to arrange a repayment plan... or is this "Preparing a Court Summons" beyond that.

 

Thanks!

[havinastella]

YOU need to send off for a formal request of your agreement.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

 

JOgs

 

 

NEVER EVER phone these muppets.

[lrak]

What happens in the meantime... I apparently have eight days from the date of the letter (15th) to make payment... its going to take longer than that to put a request in.

 

This is all too much.

[debt4get]

clarity are a dca they will not take you to court all they will do is try to screw as much money in the shortest possible time out of you..send the formal request and wait

[debt4get]

What happens in the meantime... I apparently have eight days from the date of the letter (15th) to make payment... its going to take longer than that to put a request in.

 

This is all too much.

this is what is known as a threatogram it is designed to unnerve you and is obviously doing so...calm down take a deep breath...these idiots will not and cannot take you to court..put them on notice by writing for your cca that you know your rights

[lrak]

Okay, thanks a lot for your advice.

Edited August 18, 2009 by lrak

[debt4get]

thats ok, just take the advice..never talk to these people on the phone..demand everything in writing..that way you have a paper trail..you will probably receive a letter saying account on hold once you have sent cca request... it is normal as are the threats

[lrak]

Okay thats great, thanks