Evening all
I’m hoping for some advice on next steps for my current position.
i had a number of CC’s that were defaulted and sold to various DCA’s.
After lurking the forums for a while during that period I haven’t paid anything towards them and ignored all letters.
However, I received a letter of claim from Kearns solicitors on behalf of Link financial who took over my Halifax CC (£3,975.15).
I knew I had 30 days to reply which I did.
I didn’t accept the debt was mine but opted for Box C stating I don’t know if the debt is mine and requested information back from them (having since revisited the forum I can see I probably should have opted for Box D and disputed the debt).
i requested the following information:
A copy of the written contract for the debt;
A full statement of account, including details of all interest and charges included on the outstanding balance of the debt, explaining how they have been calculated, and any payments already made toward the debt;
a calculation of the interest claimed;
the annual or daily rate of interest;
a description of the nature and amount of any administrative charges included in the debt;
a copy of the notice of assignment of the debt.
I received a letter of acknowledgement back from Kearns and then received all the requested information.
The letter stated
“We refer to previous correspondence regarding the above.
Please see enclosed the documentation you have requested.
We have also enclosed a financial statement for your completion, please return to the above address along with an offer of repayment.
If we do not hear from you within the next 14 days, we anticipate receiving instructions to commence legal proceedings.
If you want to discuss the content of this letter, please do not hesitate to contact us on the above telephone number.”
so I just don’t know what my next move is really and would appreciate any advice.
The 14th day is less than a week away so I obviously need to act quick in order to avoid any CCJ?
Many thanks