Bankruptcy and Substituted SDA

[BizB]

I have been living abroad for the last 18month and fortunately enough I visited the Uk on holiday on to find an SDA through the letter box.

I called the process server to find out what it was all about, he informed me that he had to serve a bankruptcy petition and wanted to know where he could come to meet him.

As I was flying out of the country the next day, I informed him that I was not resident in the country and did not receive any information from them.

Returned to the UK a few weeks ago only to find a Substituted SDA stamped by the court and sent by Ist Credit solicitors notifying me of a hearing date.

 

In my panic I went to borrow money to pay off the balance outstanding because I had no clue on what to do, contacted insolvency practitioners who were going to be charging £200 per hour (dint have the money to pay for that kind of fee). I went abroad again only to receive another notice from the solicitors.

 

I no longer reside in the UK and work abroad for the last 18months

 

The debt was transferred from Halifax to 1st Credit. total debt £10350.

 

The debt was paid off before the hearing date, but I have since received another court notice from 1st credit solicitors requesting about £3000 in court fees.

I want to dispute this cost, can this be done, I do not have any more funds to pay for costs, what can I do, hearing is in 2 days time

Need help

[citizenB]

I have flagged your thread for attention.

[debtinfo]

Well obviously there were going to be costs, whether you can afford them is neither here nor there, those costs should be proportionate though, so i would start by asking for a breakdown of the costs to see if they are, when is the hearing date?

[BizB]

Thanks.

 

The hearing is on 5th July

[42man]

What a pity you couldn't have defended this earlier.....it is likely that there are excessive charges and possible missold PPI (let alone any other issues with agreements, defaults etc). A Now you have paid off the debt, if it was me I would be appearing in court to fight the costs, but I don't hold out much hope as you didn't get the chance to appear in person. what can you do ? Dispute the costs with the judge on the day....you may be able to come to a monthly agreement on costs, but they may want to secure it on any property you own...I think unless you get a reasonable judge you are caught between a rock and a hard place.