1st Stop Home Loans - COurt Claim Issued

[Whoopie Do]

I have been served with a County Court Claim from the above for a payday loan from 1st Stop for 250.00. When this was due to be paid the amount also included an extra 87.50 for rolling over. I could not at the time afford to pay this ad subsequently ended up putting this into a debt management along with other debts. 1st stop received their share after 3 months that I had to wait while the DM was set up. After some 5 months of paying into a DM I realised that interest/charges were not been frozen and that most of the companies had not agreed to my DM plan so I cancelled by DMP and one by one as the creditors have contact me I have made new arrangements and got charges/interest frozen. I emailed 1st Stop to offer them the same as they were getting on my DMP and ever heard anything from them and now some3 months later I receive a Court Claim for 402.00 plus 35.00 Court Fee.

 

I intend to challenge this along the lines of amount owed plus 1 months interest less previously paid when in DMP.

 

I have read many postings on this site and it appears to me that they are going to use the Court as a form of debt collecting.

 

I have to counterclaim by the 10th October so any advise you can give would be appreciated as I really have no clue what to do after counterclaim has been done.

[renegadeimp]

Have you acknowledged the claim online? This is vitally important.

[Whoopie Do]

not yet

[renegadeimp]

You need to do that asap. You only have a very limited amoutn of time from date of service. If you dont, then theyll automatically get a judgement against you, which will result in a CCJ if the entire amount they are claiming is not paid within 30 days from date of judgement.

[Whoopie Do]

Do I just admit part of the claim

[MARTIN3030]

What is the total fees/interest that they have charged ?

[Whoopie Do]

What is the total fees/interest that they have charged ?

 

They have not given a breakdown it just says on the Summons 402.00 and 35.00 Court Fees. I have not had any correspondence from them since I came off by DMP until I received the Summons

[AndyOrch]

Do I just admit part of the claim

 

Partial admittance is an auto judgment.

[Whoopie Do]

Partial admittance is an auto judgment.

 

Like an idiot I had replied to the SUmmons before your post. I did say that I would pay them 300.00 and no more. Since completing the SUmmons I have heard nothing from the COurt and nothing from 1St Stop Home Loans.

 

I did say I would pay the 300 by 7th November. Do I need to wait for some response from the COurt or should I just contact 1st Stop and ask them for bank details as I really do not want a CCJ

[Ell-enn]

Even if they do obtain judgement, you have 28 days from the date of the judgement order to pay the amount - if you do that then the judgement will not be entered against you.

[Whoopie Do]

Even if they do obtain judgement, you have 28 days from the date of the judgement order to pay the amount - if you do that then the judgement will not be entered against you.

result .. got 102.00 knocked off Ist Stop's figures. They objected to my offer so the court decided.

 

I said I would pay this by 7th November and the judgement says I must pay it by this date and the judgement is dated 15th October and I received it today but it is postmarked 31st October so do I need to pay by 7th November or do I get 28 days from this date or the 15th October, either way they have not left me much time to get 1st Stops bank details so I can pay.

 

Any advice would be gratefully accepted as always

[AndyOrch]

Make payment by the 7th Whoopie if that what it states on the judgment.

 

Andy