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Debenhams payment plan and court summons!
~*~Jess~*~
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My friend has just told me that she had set up a payment plan with debenhams to pay off her debt, but now they have sent her a court summons ordering her to pay £125.00 per month which she cannot possibly do.
She will be coming over here to use my phone to ring up the court on Monday, but does anyone have any advice on what she can do? Unfortunately she set up the plan via the phone and has not got confirmation of it, so they could deny any knowledge of this!
Thanks for any help
Just to add - she's just told me she's paid off £30.00 so far after setting it up at the start of this month. I am just about to find out what the monthly payment she agreed is!
Further edit - the agreed monthly payment was £30.00 so she's already paid off the first one.
She will be coming over here to use my phone to ring up the court on Monday, but does anyone have any advice on what she can do? Unfortunately she set up the plan via the phone and has not got confirmation of it, so they could deny any knowledge of this!
Thanks for any help
Just to add - she's just told me she's paid off £30.00 so far after setting it up at the start of this month. I am just about to find out what the monthly payment she agreed is!
Further edit - the agreed monthly payment was £30.00 so she's already paid off the first one.
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I would get her to list her outgoings and have details of any recent payment made before she speaks to the court. Does she have high outgoings that the court would put ahaed of this debt?
They pay £750.00 per month, her partner gets just shy of £900 a month and they get £300 housing benefit per month.
Everything else is being used to live, and pay the utility bills, though I know she's also paying £50 per month to Provident for a loan she took out which is now down to £350.
She said she wrote down details about the payment plan but she can't find it - now if she goes to court, there's absolutely no way she can afford £125.00 per month, her mum's buying her baby's nappies for her today ffs, and the thing that annoys me is that she had set up a payment plan and they've totally shafted her!
Lol no to be honest I'm not, I'm just trying to get her some advice, I won't know until I see it on Monday when she comes over to phone them :D
from when i had a account there you can ask for a statement if you go into the store which would also be proof she is paying the debt off.
Years ago I bougt a sofa off them, using their store card to pay for it.
When I got home, I realised the sofa was too big for the room, so I rang and cancelled the order, and they agreed to refund the cost to my account and close it, so I cancelled the bankers order, no direct debits in those days, and I forgot all about it.
Months later I got a letter saying they were taking me to court
for the os debt. The refund for the sofa had never gone through.
I've never shopped in the store since.
I'm getting really, really sick of your pathetic woman bashing. So one woman treated you badly, join the bleeding club. You've become a bitter misogynist. It doesn't suit you.
The £30.00 is paid by cash and she says that she has an authorisation code for it.
Make sure she keeps all records and reciepts of payments she makes. In court all she has to do is show how low their income is, getting help with essentions (nappies etc) and is making the effort to pay the debt so Debenhams haven't got a leg to stand on when it comes to getting £125 a month.
She is about to phone BCW to tell them and to ask for the payment to be sent to who must have bought it off of them! Surely this is illegal behaviour from BCW Group?
The company that she now has to pay the £30.00 to are sending out a form for her to put her incomings and outgoings, even though she got all upset and had to tell the woman on the end of the phone everything that she had to pay out each month and she has literally got nothing left every month and they want to know how much she spends on baby clothes! Surely this is none of their business and an essential itm that her baby needs to live!!
If she were to write to this company with proof of her incomings and outgoings and offer say £10.00 per month surely they have to accept because she is the one offering them money?
Sorry to keep going on about this, but any help would be greatly appreciated, I hate seeing my friend so upset and want to help as much as I can.
It seems to me like this company is just trying it on, and using the standard "legalese" scare tactics to try and get you to pay up.
Your friend should do an I/E sheet and then make payments based on what it says she can afford. If it is £10 a month then that is what she should pay and not a penny more - regardless of their threats and intimidation tactics.
On the off chance that they actually do follow up their threats - as I said above - no court will make her pay any more than she can afford to do so.
I would also add that in 99.9999% of cases, if you are receiving benefits then they cannot "take" it from you as that money is what the state has said you are entitled to for certain things.