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Hi Guys,

 

Part of my bigger debt problem here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387784-Big-Debt-Problem...HELP!&p=4197488#post4197488

 

We had a claim from Shoosmith for a HSBC debt on the 13th August.

 

I sent off acknowledgment with the I&E form filled in as I cannot pay in full.

 

I sent the letter/form last weekend recorded delivery.

 

I have just received a letter from the court today saying I have not acknowledged the claim

and I now need to pay in full!

 

Just checked the tracking number and it still says the letter/form is in transit!

 

I have proof I sent it with the tracking.

 

Help! What can I do?

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you mean you had a claimform

 

why did you send an I&E sheet and the claimform back

 

when you should have ack'd the claim online at the MCOL site?

 

where did you send the claimform too?

northants court?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx. The way i read it it said if you want to acknowledge and need time to pay then you send back the I&E form. I went on to MCOL and it said acknowledge here if you want to pay in full.

 

Have I got confused?

 

I sent the I&E form to the claimant like it said :

( think the stress of all this is getting to me now.

Does that mean they are going to send bailiffs round?

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what docs did you ever request on this debt during that other thread?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
Hi dx. The way i read it it said if you want to acknowledge and need time to pay then you send back the I&E form. I went on to MCOL and it said acknowledge here if you want to pay in full.

 

Have I got confused?

 

I think you might have done in a way

 

why did you not post here first for advise

 

you'll get a CCj by default now I expect.

 

can we got back to square one for now please

 

can you fill this in:

 

and post the results here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I have a few threads and I thought I could sort it. Idiot :(

 

I will post all details tomorrow afternoon, I need to sleep as I have work in the morning.

 

I knew I would get a CCJ as I have nothing to defend with. I just need to put an affordable payment plan in place, is that not open to me now?

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hey no bother

sleep on it for now

 

it can be sorted I'm sure

 

just remember

 

next time you get a claimform

 

REGARDLESS to what you 'think'

 

you should always defend all at AOS.

no matter if you 'think' you do owe the debt

 

that's for the courts to decide upon not you through blind immediate panic

catch you tomorrow

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
I have a few threads and I thought I could sort it. Idiot :(

 

I will post all details tomorrow afternoon, I need to sleep as I have work in the morning.

 

I knew I would get a CCJ as I have nothing to defend with. I just need to put an affordable payment plan in place, is that not open to me now?

 

You now need to complete the N245 (see the legal Library) complete the I&E contained in the N245 and make an affordable realistic offer...the fee is £50.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi Guys,

 

I have attached the 2 documents. I sent the N245 form to the claimant last weekend but according to the tracking number it is still in transit! I sent it 1st class as well.

 

If I read this right I have a CCJ and by sending the N245 I can still hopefully pay monthly once I go to court?

 

Thanks.

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N245 goes to the court that awarded judgment not the claimant.(Northampton CCBC)

 

Dont forget the fee £50

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Thats a redetermination when a monthly figure has already been set in the judgment and you want to reduce it further.

 

This is a forthwith to monthly

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Sorry to keep asking questions. This is what is in my head, am I right:

 

I received the claim but in my confusion I did not respond so that means automatic judgement.

 

I sent the N245 to the claimant which means nothing.

 

As judgement has been passed I now have the opportunity to submit the N245

to the court for an affordable monthly plan?

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Correct

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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No time really but sooner the better before the bailiffs arrive:madgrin:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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You're evil ;)

 

Do you think it could wait until the 20th?

 

Thats when I get paid, otherwise I need to borrow the £50.

 

Im on a tight budget this month with my daughter needing stuff for uni next week.

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Yes you should be ok Snoogy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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There is no time frame ...you can submit a N245 anytime...but as stated preferably before the claimant decides to do something else

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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Saves you £50...put it towards the repayments now.:wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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I know, couldn't believe it! I was literally sorting the form as the postman came.

 

When I sent the form to them you have to put previous CCJ details which states I pay £40/month for a £7.5k debt. They have accepted £20 with no hassle for the £2.8k debt. Does the first CCJ set a sort of precedent as its not worth them going to actual court?

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