Hi, I was in a bad situation nearly 2 years ago, I had loads of debts and probably racked up about 18-20k, didn’t know where to turn to but I ended up going down the Iva route etc and I am now in a protected trust deed for 2 years with 2 more to go and it has reduced my monthly bills by a big margin and my repayments to them aren’t extreme I still have enough money left over each month, after the 4 years are over then the rest of the debt gets cleared but will wait till the deadline and see what happens from there, I know it’s not the best option to choose but I live in rented accommodation so I have no issues of anything being taken away etc and have never had anyone come to my door etc, hopefully you find a solution and things start getting easier for you x
pop up on the MCOL website detailed on the claimform.
register as an individual
note the long gateway number given
then log in
select respond to a claim and select the start AOS box.
then using the details required from the claimform
leave jurisdiction unticked.
click thru to the end
confirm and exit MCOL.
get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
no need to sign anything
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!