GO SEE A SOLICITOR AS SOON AS POSSIBLE.(posted 7287 days ago)First off, they are after you for £28000 - how is that made up - can you contest it? Have they a county court judgment for the shortfall and costs etc.? Or are they just jumping the gun and going for the charge without a CCJ - the judge won't give them one automatically if you can show grounds for the amount being contested.
So far as the letters go - plead depression at the time. Go to court, armed with a solicitor if you can get one who will appear at short notice - apply for legal aid.
I am going to shout at you now:-
YOU MUST GO TO COURT - OTHERWISE THE JUDGE WILL GIVE THEM A CHARGE AUTOMATICALLY!
GET THAT APPOINTMENT BOOKED WITH YOUR SOLICITOR TODAY!
ALSO, GET IN TO THE LOCAL CAB AND TELL THEM THE STORY - SEE IF YOU CAN NEGOTIATE A LOWER SETTLEMENT FIGURE.
The finally, come back on here please and let us know how it all went off!
Best of luck
David