Lowell Claimform - old bank OD debt

[BurnCK]

I received a County Claim form for a debt. My question is, if I pay it in the 14 days or agree with the claimant to pay it in a couple of installments, will I avoid a CCJ on my credit file?

[AndyOrch]

Thread moved to the appropriate forum.......please continue to post here to your thread.

 

Do you not wish to defend it ? If its relatively small simply pay it as per the instructions contained in the response pack......you cant pay in instalments unless you get a consent order from the claimant.

 

Regards

 

Andy

[BurnCK]

Thanks. Why defend it if I owe it? I simply want to avoid a CCJ if possible. The amount is £329.

If I respond with the form asking to pay in 2 installments will I still receive one?

Paying in one payment within 14 days would be a stretch but I'll do it if it's the only way to avoid it. Just looking for a little advice as to the best away to go about it. It's not very clear from the letter/form. Thanks again

[fkofilee]

Consider defending and looking at mediation? It may work for you - Avoid a CCJ and potentially consider a Tomlin Order?

[fkofilee]

Whos the firm whos taken you to court?

Whats it about?

[BurnCK]

Lowell. Overdraft on an old bank account. Like I said, I'm happy to pay it as I owe it, just want to avoid any additional credit file marks. I've not long served a CCJ and dont particularly want another.

 

If I accept the claim but pay in full within 28 days is it right it won't appear on my credit file?

[dx100uk]

if its a od debt you don't owe it

twill be unlawful fees and their interest

 

 

can you complete this please

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(1-Viewing)-nbsp

 

 

dx

[AndyOrch]

Thanks. Why defend it if I owe it? I simply want to avoid a CCJ if possible. The amount is £329.

If I respond with the form asking to pay in 2 installments will I still receive one?

Paying in one payment within 14 days would be a stretch but I'll do it if it's the only way to avoid it. Just looking for a little advice as to the best away to go about it. It's not very clear from the letter/form. Thanks again

 

Best to acknowledge service and submit defend all then you get the full 33 days...(if you submit a defence you will get even longer say another 2 months and then pay to avoid the CCJ being registered) if you use the official n9a its payment in full

 

https://www.moneyclaimsuk.co.uk/PDFForms/N9A.pdf