I understand the points that you have raised but just wanted to give you a full background. I need to complete the defence form and send it to the court within 14 days. I cannot afford the monthly amount that he is requesting, will the judge be able to set a more realistic amount. I am nervous as we are due in court on 4/2/15, he is a powerful wealthy man and without sounding like a "victim" I cannot afford a solicitor to represent me. I am worried that his solicitor will have me laughed out of court. Also will I end up with a CCJ?
I definitely do not have a CCJ, I allowed him to place a charge on the house.
The loan amount is in excess of £100,000.
Just to clarify who will decide what I should pay the claimant or the Judge? If the judge states an amount which the claimant does not accept can he refuse the Judges recommendation?
So assuming I do not already have a CCJ if the hearing goes in my favour and the Judge accepts my repayment proposals will I then have a CCJ?
I have checked and it is a legal charge. If it is not a CCJ how does it damage my credit rating?
Is there anything that I should I bear in mind when completing the defence form?
When if ever is a loan unenforcable?
Are you suggesting that I should not fill out the defence form?
The form that has arrived with paperwork states that I should fill in the defence form
When you a substantial offer roughly what amount? I certainly cannot agree to anywhere near £50,000