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amigo loans claimform - opps sent it back unsigned...


littlejojo
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Hello to all.

 

I know it's Christmas eve and you are all busy, but I'm worrying myself sick.

 

I've been an avid reader on here but have never posted myself until now.

 

I received a ccj claim form through the post and sent back the admission form to the creditor.

 

I filled it in fully and honestly and made an offer of monthly instalments.

 

However, I made a copy for my records and somehow, I have just noticed that I dated it but stupidly not signed it.

 

Where do I stand?

Am I screwed?

As I suppose I haven't completed it correctly.

 

Should I email the creditor? Which unfortunately is amigo loans.

 

Or should I ring the court or something?

 

I am now going to be worrying all over Xmas that they will enter a judgement for the full amount

and not the monthly payments or even send bailiffs.

 

Please can somebody in the know advise me on what will happen?

 

Thank you and merry Christmas.

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You dont send it to the creditor. You fill it in and send it to the court, or you can do it online.

 

Since you have the copy, go online right now, and fill it in, so the creditor cant 'misplace' it, and claim it wasnt sent.

 

All you need to do is use the username and pass on the form, click defend all, leave contest jurisdiction unchecked, and exit.

 

As for court action/bailiffs etc, court action is a good month or two away if you do it online right now, and bailiffs even further, if that EVER happens.

 

Can you give us as much info on this as possible.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Can you fill this in please

then we can help properly

 

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

 

for the minute don't do anything further till we advise.

 

when did you send the form back..

..I take it you wrongly fell for the advise from the claimants sols to admit and return it to them?

 

it would also help you to read this thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?455776-amigo-loans-ccj-claim

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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The claim form came from Northampton county court and it said that if I was admitting to the full amount (which I am)

 

To fill in the relevant section and return to Amigo loans and not the court.

 

I am not trying to defend it or get out of it.

 

I am trying to pay it in monthly installments but I forgot to sign the form.

 

I sent the form back via special delivery so they can't say they never received it anyway.

 

The date of service is taken as 15th December and I sent it yesterday to be received today.

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Give more background on the debt please as if you admit it you will get a cxj that lasts for 6 years and the creditor gets.the ability to collect.through bailiffs or other methods instantly and keeps that ability for 6 years

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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yes we know claimforms come from northants...mostly every civil moneyclaimonline does...

can you fill that link in please

and post the results back here.

 

 

strange you say you're an avid reader

then why did you send it back?

and not use MCOL website like every claim thread on cag says........?

 

 

it might pay you to defend this on mcol

then go for a tomlin/consent order

then it'll save your credit file being done in for 6yrs...

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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It was a loan for 5000 but as part of it paid off a previous loan with them, I only actually received about 2000.

I stopped paying earlier this year as I'm in a terrible financial mess and was off sick for a while with depression.

 

They set up a repayment plan but it was impossible to stick to it as I wasn't being paid full wages.

 

My guarantor is also in a heap of debt and hasn't paid either.

 

We got defaults sent, numerous emails but didn't come up with a solution.

 

Got the claim forms and we just filled in the admit to all section and returned it.

 

I have to point out I live with my guarantor in her house.

She is my partners mum.

She owns her own house,

is retired and has released equity previously that has to be paid back from the sale of her house when she moves or dies.

We have also mentioned that on the form.

 

I am worried that they might force her to sell her house and make us all homeless.

 

I am also responsible for my partner who does not work and my child.

My partner does not claim any benefits.

 

The claim is for around 6000 including costs but they sent this separately to both of us.

 

We both sent back the admission, income and expenditure and our offers of monthly payments.

 

I forgot to sign mine.

What's going to happen? I'm so worried about this.

 

I can't do that link at the moment, I am on my phone and it doesn't work properly.

I do read things on here yes but not usually about ccjs so I didn't know that I could defend it if I owe the money.

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nothing

it wont hurt you

its a civil debt.

 

 

this smack of irresponsible lending to me.

you've obv got other debts too

and I bet other loans

I think p'haps they should not have allowed you to get the 2nd loan.

 

 

this could be a very effective weapon in this case.

 

 

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

The claim is for around 6000 including costs but they sent this separately to both of us.

 

So technically theyre trying to go for 12k. I wonder how many other people they are doing this to. ANd actually got away with it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I am worried about a charging order being put on her house and then forced to sell.

Or bailiffs turning up.

 

How likely are they to just accept our monthly offers?

 

That's what we both want and to be honest, we can't take any more stress.

 

We are both offering around 90 pounds each per month.

 

I know it sounds ridiculous but I've not been well and I feel like I'd rather be dead than live like this

and I feel terrible for my partners mum who is a pensioner.

 

I would never forgive myself if she loses her house.

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extremely remote that will happen.

 

 

its a civil debt not a criminal debt.

 

 

pers I'd get up on mcol

 

 

and you and your nan register and select AOS and defend the claim

that will or should null the written forms you sent back.

 

 

have you read that other amigo claim thread I linked earlier?

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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You really need to stop worrying and follow the advice here. Youve already fallen for one of.their tricks and they're trying to get both of you to fall for another, making them double what's owed

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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it wont be double

its the same claim number

read that other thread I pointed too

 

 

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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Thanks, what does AOS mean? And how do I null the other forms? Will it mean actually going to court?

So you think it's remote they will accept or the charging order?

I can't get the link on my phone sorry I'll try it tomorrow on my brother's computer.

But I really am a nervous wreck at the moment I have a feeling they will swoop in and go for that charging order straight away.

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AOS acknowledgement of service.

 

 

better to do it on a pc

 

 

simply goto the MCOL website

create a new individual user

note the long number

then go log in.

respond to a claim.

then using the require info form the claimform

select AOS

defend all

leave juris unticked.

 

 

you EACH NEED TO DO THE ABOVE.

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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