Property Debt Collection again...

[fuzed]

Help guys and girls

 

I've got PDC on my case in relation to the ground rent for jan 2011 to dec 2011, they are wanting the full payment but at this moment in time I am unable to pay due to some major costs on another property (so I'm currently majorly overdrawn and having to borrow money, buy things on credit card until the other property is sorted).

 

Anyway PDC have been onto me in regards to this, I've been in email conversation with them and have offered to pay the debt off over a ten month period which I can afford. They are having none of this and originally offered me a 3 month period including their over inflated fee's, then they extended this to a six month period.

 

They have written to my mortgage company and have asked them to pay it, but I've told the mortgage company that I'm in dispute with the figures and that I've offered to pay over a ten month period to which they were fine with.

 

The DCA have emailed me now saying that they will prepare the court papers and take me to court if they do not receive payment after 4PM today, I have a nice long email chain with me explaining that I am willing to pay the so called debt, not including their over inflated fees.

 

I do not feel that this is a debt considering its only march, and the costs are for the remainder of the year for ground rent, basically for work that has not even been done as of yet - we are also trying to get rid of the management agent from the site as they are rather useless.

 

I don't know whether to accept their 6 month's and just take a hit for those six months, or stand my ground and let them take me to court?

 

Thanks for any help.

 

Regards

[twofoot]

Why not just send a covering letter explaining your problem along with a cheque for 3 month's. Tell them the rest will be forwarded at a later date. They'd look daft going in court when have paid.

[fuzed]

Thanks for the reply... this is still ongoing, I have not had a county court summons in relation to this issue, even though I had offered to pay over a direct debit and pay part on the credit card (putting me into further debt) which they were more than happy to accept...

 

where do I go with this now, do I tell the court I can not currently afford to pay due to my current financial circumstances? I have never had to deal with court summons before, as I've always paid my bills on time. I am in dispute of PDC's charges, can this be put into the paperwork that I send to the court? I am happy to pay the original charges that I owe over a direct debit over the period I originally specified.

 

PDC also took on this charge within a month of the original letter being sent my RMG. Which in my opinion is disgusting... but what can you do (I just want shot of these morons)... anyway how what where do I go from here??! Will this effect my credit rating if I let it go to court? even if I am willing to pay the original charges but not PDC's over inflated charges??!

[fuzed]

I meant I have NOW had a county court summons in regards to this issue.... any one guide me on the correct path please

[terriersaregreat]

You will have to repond to the summons. Isn't there a section on the summons for you to offer to pay?

[terriersaregreat]

Sorry just notice that you are in dispute with these people. If this is the case complete the Defence. But think carefully before making a decision because of costs.

[fuzed]

what costs could I expect, as defence wise I am just in dispute of their costs and not of those of the maintenance company

[fuzed]

I have offered to pay what I could afford at the time and they were not accepting it... which is why this situation has arisen :@

[PGH7447]

respond to the summons on line and enter a defence based on the facts you have presented above, these people are going to look pretty stupid when you turn up with your evidence of offering to pay etc