Pinay-American Blog

your cresit card network

Tuesday, July 29, 2008 @ 7:24 AM

after bad credit card debt Assuming this is in England or Wales, you have 14 days to respond to the claim (summons). Assuming that you do not dispute the debt then you should acknowledge the summons on the forms sent by the Court. You will need to complete the admission form together with an offer to make monthly payments (based on your ability to pay). This should be sent back to the creditor or whoever is representing them. They can accept the offer in which case you will have a CCJ but an agreed way of paying it off. If they dont the court will decide based on your ability to pay (you have to complete an Income and expenditure form with the summons stuff). It doesnt hurt to speak with the creditor so they accept the offer.

The situation is much more murky if you ignore the claim form, send it back late or the creditor tries to get the full amount back and doesnt want instalments. In my expereince it is rare that the claim will be withdrawn unless payment is made in full owing to the costs of starting the claim, in the first place

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