Hi All, I'm the owner of a Ltd Company and I have received the dreaded pale blue County Court claim form. Basically, it's Companies House (or at least their representatives, Optima Legal) issuing in respect of £375 of late-filing fees that my company has incurred. I did file my annual return later so there's no question that I owe the money (as hard as that is to swallow, but hey ho). It states the options available which include: 'If you agree with all of the claim and are asking for time to pay" - Complete the admission form N9A and send it to the claimant....... Do not send a copy to the court. Entering an admission may result in judgement being entered against you. My question is this - if I return the form offering to pay over several instalments (say 3 or 4 months) what happens then? Will the claimant still go for a court judgement against me? Or to put it another way, what's to stop them accepting my proposal for staggered payments, but still proceeding with the court case? Thanks in advance.

Hi All, I'm wondering if anybody can offer any guidance (I've searched the forum but cannot find a definitive answer). I had a Halifax credit card for several years and in November / December 2013 they wrote to me saying that they were increasing the APR (by quite some margin). I wrote back saying that I rejected the interest rate increase and they replied saying that the account would close and I could continue paying at the old interest rate until the balance was cleared. I previously had online access to my credit card account and also used to receive monthly paper statements through the post. However, once I had rejected the increase, the account was closed and my online account access was withdrawn and I've never received a paper statement since (either monthly nor an annual statement) since - so no statements for 18 months. I was moaning to a colleague about this and they advised that Halifax are obliged to send statements otherwise they are unable to charge interest - is this correct?? As I say, I've searched the forum but cannot find a reference to this - can anybody please advised? Thanks In Advance Nigel.