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charge for payment of money for credit union loan

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I'm in real need of some advice.


I have returned to work today to find a letter delivered by a messenger at arms informing me that on the 24th of December a credit union has been to court and gotten a charge for payment of money for a loan I owe them and I have 14 days to pay otherwise they will look at wage or bank account arresstments.


I got the original loan out in February 2012 and had to pay back a total of £1200, I paid back just over 59% of that and then fell into financial difficulties. I had arrears on my mortgage and council tax and as I couldn't afford to pay back those and the loan I made the choice to pay those off first. After that time I suffered from anxiety and depression and was signed off work for a period of time so my income was low. Upon returning to work on part tome medical grounds I finally managed to get my mortgage and council tax arrears paid off.


I haven't heard anything in that period of time from the credit union about the loan until I started getting phone calls in November and then a letter in December saying I was in arrears and to make payments. As I was in a better financial position at the start of January I set up a direct debit online to pay back £50 starting on the 1st of February and received a letter last week confirmed the direct debt was set.


Now obviously I have received this charge for payment of money I'm in a real panic and don't know what to do. I have buddies my head in the sand I know that but I did and do have every intention of paying back what I owe whi h is why I set up the direct debt before I knew they had applied to court.


I'm terrified they will arrest my wages or bank account which would mean I couldn't afford my mortgage. I live on a very tight budget and every penny is accounted for so I can't offer anymore.


Can someone please advise what I can and should do next as I have never been in this situation before and I'm very scared.

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I'd get in touch with the credit union and inform them you have received a charge for payment from the Sheriff Officers after setting up your repayment plan by Direct Debit.


If they can't sort it out you can apply to the court for a 'time to pay' order, have a look at this 'link'.......................








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