Hi hope some one can help me!,
on 17th January I received a letter from drydensfairfax with regards to an outstanding debt of £2604.51 that I owe to cap quest. Prior to this I had no idea the debt had been passed to anyone as I've received no correspondence.
this stated that they had been instructed to take legal action to obtain a ccj because I had failed to reach an arrangement with them (a little difficult to do when you don't know you haven't received any letters) now I do acknowledge that I did owe this money to very (a catalog company ) it stated that I could prevent this by contacting them before 29th jan. As I currently don't have a phone I emailed them on the 18th explaining my situation and offering to make a payment arrangement with them... I received nothing till the 30th jan and this basically said that I had to confirm that they could use email was secure and they could forward further info through this which I confirmed immediately.
I heard nothing else until today when I received a N1CPC form. I borrowed a friend phone and called them straight up and they said I needed to send the forms back... Now I don't deny I owe the money and will happily pay them this is instalments (I'm s single mum of 2 and do not have a lot of disposable income at present) however aside from the fact this is the first I knew of who owned the debt... It took them 12 days to acknowledge my email (this is surely an argument on my part) then the phone I was using ran out of credit I topped it up and rung back to be basically told that they were too busy to take my call I've now attempted 5 times.... My worry is if they go ahead with the ccj that my home is at risk ... Basically I co own a property with my mum I own 35% and my biggest fear is that they will place a charging order against it which I've heard they can now do for debts over £1000 this is unfair to my mum as its nothing to do with her.... Where do I go from here can I prevent them taking out a ccj and do I have grounds for an argument against it ?
Sorry for the long post I really don't know what to do
thanks
on 17th January I received a letter from drydensfairfax with regards to an outstanding debt of £2604.51 that I owe to cap quest. Prior to this I had no idea the debt had been passed to anyone as I've received no correspondence.
this stated that they had been instructed to take legal action to obtain a ccj because I had failed to reach an arrangement with them (a little difficult to do when you don't know you haven't received any letters) now I do acknowledge that I did owe this money to very (a catalog company ) it stated that I could prevent this by contacting them before 29th jan. As I currently don't have a phone I emailed them on the 18th explaining my situation and offering to make a payment arrangement with them... I received nothing till the 30th jan and this basically said that I had to confirm that they could use email was secure and they could forward further info through this which I confirmed immediately.
I heard nothing else until today when I received a N1CPC form. I borrowed a friend phone and called them straight up and they said I needed to send the forms back... Now I don't deny I owe the money and will happily pay them this is instalments (I'm s single mum of 2 and do not have a lot of disposable income at present) however aside from the fact this is the first I knew of who owned the debt... It took them 12 days to acknowledge my email (this is surely an argument on my part) then the phone I was using ran out of credit I topped it up and rung back to be basically told that they were too busy to take my call I've now attempted 5 times.... My worry is if they go ahead with the ccj that my home is at risk ... Basically I co own a property with my mum I own 35% and my biggest fear is that they will place a charging order against it which I've heard they can now do for debts over £1000 this is unfair to my mum as its nothing to do with her.... Where do I go from here can I prevent them taking out a ccj and do I have grounds for an argument against it ?
Sorry for the long post I really don't know what to do
thanks
Drysdenfairfax solicitors ccj
