Didn't Respond to GE money/optima legal Claim - Advice Please

[Don4071]

Hello

 

I've tried looking at other threads but sorry can't seem to see the answer.

 

I didn't respond to a Court Claim by GE Money due to my daughter undergoing an emergency operation and t.b.h I was more worried about my child.

 

The claim was awarded to GE (no surprise there) and I know I should have completed the claim form however just running back and forth to hospital, spending days and nights in ICU - I didn't do it.

 

IS THERE ANYTHING I CAN DO BEFORE BALLIFFS TURN UP? I can not pay the whole debt in one go and hope GE or Optima Legal Services will accept some instalments but don't know if I should approach the court or GE or Optima Legal Services?

 

Please can you help or suggest what I can do?

[dx100uk]

tell us about the debt first

 

was it sold to optima

who was the claimant

how old is the ccj?

or is it still at the claimform stage?

 

dx

[Don4071]

Hi

 

The Claimant is GE Money and Optima Legal Services are acting on their behalf. It isn't at the Claim form stage, this has passed I had till the 28/9 to get it in.

[sequenci]

If you acknowledge that you owe the money you can apply to have the judgment 'varied'. This will allow for a court order agreeing affordable instalments to be made. Whilst you keep up with the instalments the creditor will not be able to enforce the debt.

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=08_reducing_payments_or_suspending_a_bailiffs_warrant_on_a_county_court_judgment

 

If you feel you have a legal reason why you don't owe the money you may be able to consider a set aside. There would be a defense hearing.

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=12_how_to_set_aside_a_judgment_in_the_county_court

[dx100uk]

so you HAVE a CCJ or its not got that far just you missed the deadline to submit a defence?

 

dx

[Don4071]

Sorry yes ccj has been decided.

x