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Andy thats not entirely true - if the matter proceeds to court and the OP loses that doesnt automatically result in a CCJ that stays on your file for 6 years. That would only occur if the OP failed to settle the judgement in full within the allowed time following judgement (cannot remember for the life of me what that timescale is!). Anyone has an absolute right to defend a civil claim without the fear that a CCJ will stay on their records!

 

Mr Shed on a debt of £750 I was talking in general when the debt is in excess of a 6 years comfortable affordable payment.

In Angnnig case as long as she pays more than £10.41 per month she will settle it earlier than 6 years, if not it will be with her for 6 years until the judgment is payed.

Any judgment remains on your credit file until its settled.

 

 

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Andy

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I haven,t heard anything back from loans2go yet and the 28 days is up for the court defence acknowledgement next monday.Should i get my defence in now and can i do this online,kind regards angnnig

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Yes Ang it can be done on line not sure what your defence could be though? Have you approached them re settlement?

 

Regards

 

Andy

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Hi ,thanks Andy .Yes we have sent them a letter asking for the charges back and asked them for more time to pay the rest of the money up.I have done a defence just in case they don,t respond in time,just basically says they have done us for charges and that we want them back..regards angnnig

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Hi Andy,I am just filling out the claim on mcol and I have come to a section that is asking me if i want to counterclaim .Should i say yes to this as i am disputing the charges of £95 plus £8 interest .Thanks regards angnnig

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No dont counter claim use it within settlement to reduce the amount.

 

Andy

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  • 3 weeks later...

Hi ,Had a letter from the court today saying that loans2go have accepted our offer of £587 ,so they have agreed to knock the charges of £103 including interest off,we still have to pay the court fee of £60 on top,but at least we got a result with the charges.thanks to all those of you that have helped us. Kind regards angnnig

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Well done Angnnig

 

Settled to your satisfaction with no CCJ.I will get your thread title amended.

 

Regards

 

Andy

We could do with some help from you.

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Thread title amended.

 

Good result angnnig, job well done Andy :-D

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Many thanks Maroondevo.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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