I have been paying CL finance on a regular basis for about a year but in March i missed a payment and April too, i called today to pay what i had missed and continue my payment plan and they said i had to pay the full amount with in 3 months as court proceedings had already started to issue me with a CCJ.
I have received letters but about taking me to court but i ignored them as i thought they wouldnt do it.
The amount was £980 but has gone up to around £1180 with fee added on for letters and solicitor fees, i could afford to pay it in around 10 months but not 3.
I have checked my credit report and CL Finance do own the debt even though it was originally a Debenhams store card, I dont want to go to court and they seem adamant i cannot start a new payment plan, what can i do?