Have forwarded the email.

Have I understood correctly that it is the claimant that would have to enforce the debt and not the court, so I shouldn't have any issues in that department?

Thank you

I mentioned this to the court and they just said its not up to me to let them know that it has been settled - its up to the claimant. I have an email address anyway so Ill send it as it wont do any harm.

If a CCJ is registered can I have it removed if I prove I paid before 28 days?

Thank You

Hi Me again.

DX I have re-started the irresponsible lending claim with Lending Stream, thank you.

no claimant solicitor on the claim form.

Telephoned Asset Collections and tried to pay them.

First they tried to charge me more than the amount on the judgement.

I explained again to the guy on the phone that I have had a judgement against me and Im trying to pay it within the 28 days so as not to get a CCJ.

He goes away to speak to a manager.

Comes back and gives me a lower figure than what I have on the claim form.

I explain that Im pretty sure I have to pay what is on the claim form for judgement not to be entered.

He goes and checks again.

Comes back and says no they have put a settlement figure onto it and for me to ring the court and withdrawn my defence.

I say I cannot withdraw my defence on a case which has already been heard.

It was heard on the 21st December.

He goes away and checks with a manager.

Comes back and tells me he is correct and to pay what he has said which was just shy of £100 different to what I had.

Im anxious to pay as the 18th is the 28th day. So I paid it.

He says he will update the court that the debt has been settled within the 28 days and for a CCJ to not be applied.

he tells me to make sure I ring to withdraw my defence.

I have rang the court and as I thought they say the case has been heard and I cannot withdraw my defence.

I have an email from Asset Collections saying that my balance is now £0 and legal action will cease

Have I made a mistake.

Does he/they even know what they are doing?

Am I going to end up with the CCJ ?

Thank you, once again.

I dont understand whats going on and I would be an even bigger mess without the guidance from you on here.

And sorry when I say claim form I mean judgement order and this was explained to him, I dont have it to hand, i think it is the N24?

I will have the money to pay them in full by Monday/Tuesday at the latest

Who do I pay?

Does this mean I avoid the ccj altogether?

I'm not sure how the 28 day thing works ....

Or do I have to apply to have the ccj removed?

Also having an appointment with My doctor and CAB next week to hopefully start moving forward positively

I don't get any benefits as when I was made redundant I had too much in savings.

Now I have less they say I haven't made enough contributions to get anything and living out of my car on and off for months has made it harder.

I'm trying to reconcile with my ex but I'm scared I'll drag them down ....

This all happened spring last year and I've been trying to live off my savings since.

I've not really known what to dO to be honest.

Sorry to be a drain, I'm trying to find other sources of advice but it's quite conflicting out there.

And obviously - thank you

Doesnt look as if I can get help with the fees as I have £3500 exactly in my savings account.

I have £16 in my current account ..... I move money over as I need to pay car insurance etc

I dont get any benefits.

Am I correct in thinking I have to pay the fee? And is it £50?

Thank you

I owe them around £2000

I have around £3000 in my savings account

I am using this to live at the moment due to having no job

Can they force me to give them this?

Sorry what do you mean there is nothing further they can do?

Will they just accept that I have no job and that I can only afford a small amount per month?

I'm really sorry to keep on mithering I'm absolutely doing my nut here.

I honestly wasn't expecting this ...

I'm so scared they will try and send somebody round to my old address which is my ex partners mums house and I'm worried it will affect me seeing my kids

I'm trying to get a job I've just about managed to get through xmas without doing some real stupid things and now this. What's the point?! I'm going backward instead of forwards

No general form of judgement or order

The date on the letter is 6/1/18 which I have just got

Yet it states the above sums totalling £2323.79 must be paid by the defendant to the claimant by 4pm Jan 4th 2018

I'm crying here, if no home no job don't know what to do now will they take my car I'm not working due to anciety and depression I don't know what to do

They won! They have a judgement ..... I didn't even think that was possible? What happens now?

Thank you and I hope you have a great Christmas!

This is being heard today, I feel really ill.

Can anybody advise what happens once a decision is made.

Like how long it takes to find out etc.

I have had to send a new address for correspondence to the court and I'm hoping they use this.

I currently have no job but have a car worth a little bit and a little bit of savings will I be made to pay up immediately?

I am relying on my savings at the moment to live as I can't claim anything.

I'm so so worried with all this being over Christmas.

Sorry for rambling I literally have nobody to turn to.

Excellent, thank you for looking over that for me. Much appreciated as always.

Thank you for your time and guidance as always.

This is the main body of my letter ... I think it is ok?

'I write regarding the above case and the hearing which has been listed for the*21/12/2017* at pm

*

The Defendant respectfully begs your Honour to excuse the Defendant's non-attendance in person and kindly ask your Honour to accept this letter as written notice of non-attendance in accordance with CPR Rule 27.9 1(a).

*

I would like to add that no disrespect is intended by my non-attendance. I ask the court in accordance with CPR 27.9 (1) © to deal with this case in my absence.

*

I wish to ask your Honour to consider the reasons set out within my Witness Statement which was sent to you in September.

A copy of this letter has also been mailed to the Claimant.

I would like to thank you for your time on this matter.

Yours Faithfully '

Will that be ok? Thank you again

Thank you.

Im about to send off the notice.

Does an email count as written notice?

I have a letter that Im sending but as far as I am aware the claimant has only emailed to say they wont be attending.

Should there have been any other updates on MCOL?

Im a little confused by this.

Last time there was an update

Your claim was transferred to ***************** on 15/08/2017

Yes it was sent via recorded delivery and via email back in September and was signed for by the court.

Im supposed to be in Court on the 21st and I cant go.

Iv checked MCOL as wanted to check for any updates but I cannot see any. Is this normal? Or am I looking in the wrong place?

I need to let the court know Im not going to attend. Will this go against me? The claimant also is not attending.

Im so worried that they are going to win I feel sick.

I don't know the last payment date, there were no payments recorded on my credit record that I could see for six years but that doesn't always mean there wasn't one made does it? It dropped off my credit record in June. I was thinking of asking for bank statements but I sometimes used to use cheques of my ex partners to pay things ...

I don't know how to find out ....

Yes I can use a C/O address.

Hi DX,

HPH2 LTD (Ex Barclaycard) was an egg card before this ...

Thank you both.

When I was a little more stupid than I am now I told them I didn't live where I lived ...

I think that accounts for the owner gone away.

And they never tried to chase.

I have since moved house twice ...

and currently, dont have a fixed address.

Should I still wait it out?

If it isnt statute barred then it really very nearly must be.

Im worried they may try for a CCJ ...

Hi,

I received an email this afternoon from Robinson Way chasing a debt of around £4500.

This debt fell off my credit report in June this year, and I think its statute barred, although I don't know if I ever made payments that have not been recorded and I have changed banks since so its not easy for me to check

I think I understand the burden of proof is on them but I am unsure what my next move should be.

On my credit report it stated 'owner gone away' before it fell off.

Thanks in advance for any advice.

I had a couple of emails from MMF advising that they would be pursuing an outstanding Lending Stream debt and register a default asap. As I have started Irresponsible Lending complaints with Lending Stream and another 16 Payday loan providers, I emailed them and they replied that they would suspend all action for 30 days. After 30 days, they require an update on the progress of the complaints for the debts they are chasing for.

Thanks for the info. I havent heard from them since but thinking maybe I should get in touch with them. As worried about back door CCJ happening. Only problem is I dont actually have an address at the moment ...

Can I go anywhere with this or should I just accept what they have said?

Thanks