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Sygma Bank - Help Needed


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Hi Everyone,

 

User name says it all really!

 

Will try to be brief, if that's possible. Separated from Husband earlier on this year, ended up being treated for depression, at this point in time, was juggling all my debts to try and stay afloat

 

After a while, I just gave up, and stopped paying everyone, didnt answer phone or open mail

 

Started to open mail a couple of weeks back, and found a claim form for a Credit Card. It scared me, so I hid it away, and ignored it. Decided today, that I need to do something about it, but, form is due in today!!

 

I owe the money, I'm not disputing that, but I don't have the funds to pay it all in one go. Spoke to the court, who said they will get Judgement by default, so I take it, there isn't much I can do now?

 

Thank You for reading

 

Stupid

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Only me again! Lol

 

I know everyone on here is busy, and doing their best to help everyone, and that my problem is nowhere as near as serious as others on here, but please, if you can spare a minute or two, I really would appreciate your advice

 

Managed to log into MoneyClaim online, how much trouble would I be in, if I filed an acknowledgement, but then, in fourteen days, don't really have a defence, as I'm not sure if I have one? Or, if I admit part of the claim, ie I admit what my credit limit was

 

Sorry if these sound like silly ideas, but I'm panicking now, about them getting judgement by default, as they have already told me, they are going to come after my house

 

And Yes, I know, it's all my own fault, head in sand for way too long!

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