I can pay.
What do you mean added a default?
I don't know. How would I find that out?
I've just been on Experian. Nothing registered, but it could be early days? The claim is dated 18th June so I still have time to pay/dispute. I'm not sure how often Experian would normally take to update their records.
Thanks Jo, that is helpful.
Just so I am clear on what to do next, I should complete form 9NA and send it with payment to the claimant. There are a lot of personal boxes to complete which I don't think are necessary if I am paying, but please confirm.
The creditor has given this to a debt collection agency, so they will want their fees too in order to withdraw and even then, I don't trust them enough to be sure that they would withdraw - they would probably take my money and not notify the court. If I were to try to persuade them to withdraw, should I do this before I send them the above forms and money?
If I end up with a CCJ, from googling I have found 3 main credit agencies - Experian, Equifax and Call Credit. If I just go down the admission route and end up with a CCJ, are these agencies obliged to remove the CCJ from my credit record? Is there a standard letter that I should send or do I just explain the circumstances? Do you know the timescale from notifying them to removal from their records?
Sorry for all the questions, I just need to get my next steps straight in my head!
Is the person with conduct the debt collection agency? If so, then yes. I also have the creditors number, but they claim that it is out of their hands now and refer back to the debt collection agency