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CCJ from Hegarty LLP (Via MBNA) what to do now?


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Hello,

 

I've posted on this forum before but decided to start afresh :)

 

I recieved a CCJ from Northamton county courts today from Hegarty LLP representing MBNA, the alleged outstanding is under 5000 and is from 2009.

 

I'm unsure how to attack this....first I've heard of it.

 

My situation is, no assets, no bank account and I couch surf at the moment as I spend half the year in America, the CCJ went to my parents house were I can pick up my post.

 

I tried to work something out with MBNA years ago when I lost my job but they were useless and just made demands on me and basically I can't afford to pay anything.

 

Thanks

 

James

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