Just one other thing re the question I asked earlier..should they have stuck to a orocedure bearing in mind the Court Order stated the amount, also, they have a charging order on my house..If they were happy I was deliberately defaulting why didn't they go down this road? I asked "I cannot for the life of me find the original CCJ and Charging Order. but if my Order states I pay £44 per month and I tell the Solicitors that I am sticking to the Order, should there be a proper followed legal procedure, including informing me beforehand, stating that they will ask the court to order me to give a statement of means?? Many Thanks

Thank you Andy..will get that sorted out ..much appreciated....

Hi..apologies if I have misread this..are saying that basically i have no recourse..they can go ahead and get money from my employer by going behind my back, by their own admission and getting an order?

Hi......I was thinking how many legal or financial staff read these forums. I thought that the advice was to stay as anon as much as possible and I wouldn't want to give these jokers the lead.

Thank you CitizenB..I am just confused with the same forms being sent to me and where to go from here.. I have told the Solicitors I want a copy of the phone call 6 months ago so i don't know how long that will take. At first they tried to fob me off by saying they did not provide such. i said i wanted it as part of the SAR. i look forward to some help x

Thank you all for your help....it has been very helpful. It gets worse. I wrote immediately to the court when i returned my I and E form and explained everything in detail. I got a letter back from the court asking me to fill in the very form i had sent them- the N56. then stating in order to set aside judgement, i was to pay £150 for court hearing at my local court They also sent me a blank N244 I am confused. Looking at it, i I did tick the box asking for a suspended order and on reasons why, detailed in my letter. Instead I have the same blank forms sent to me. I cannot remember exactly why i opted for Continuous card payment, i hadn't heard of it several years ago so can only assume it was because it was suggested. I realise everything should be in writing but with the absolute introduction of recorded calls, i felt that was protection The Solicitors have as ggod as admitted that no contact was made in 6 months. Is a Judge likely to take note of that.? I have paid the solicitors £10 for a SAR including details/copies I sent the court all my documents showing I had money in my account but they just sent the letter as stated. There is no way I can afford to clear the arrears in one swoop. I have paid £44 as soon as that judgement came through. I asked in my letter that they were not to be given any info on my i and e. Not because I have something to hide. I don't, but because I am sickened by the surreptitiously method they used. I speak to my mortgage providers once every 6 weeks and have paid in full for 2 years solidly. There are only arrears which, when I say I would like to pay, even £10 per month more, they say they cannot set up a plan due to the lack of money I have left after everything paid for. Damned if I do Damned if I don't. I cannot for the life of me find the original CCJ and Charging Order. but if my Order states I pay £44 per month and I tell the Solicitors that I am sticking to the Order, should there be a proper legal procedure, including informing me beforehand, stating that they will ask the court to order me to give a statement of means?? The same Solicitors feature on here time and time again. The other Bank I mentioned in my last post of which I actually go online and pay £75 each month (and owe a greater debt) have never ever bothered me ever. One thing I never mentioned before, is that a week before I received this bombshell, I had court papers land on my mat stating change of ownership of debt was passed from the original bank to another company but the same solicitors were still acting . I thought this was odd because with other banks, a letter suffices. Now I know why. So I have no idea where to go from here. Have I to fill in the same forms? As I put that I want the Order suspended, do I need a Hearing, or can I appeal the Judgement made owing to the fact that I had no idea whatsoever and the Solicitors admit no contact for 6 months. Do I pay? I am so very confused. Thank you guys x

Thank you....i would also like to know what power, if any, these solicitors have to make me fill in a Income form????? Obviously they can go to the Court which they have done, but if a Court Order from years ago stated £44 what right do they have to keep bothering me over the years when i have made it very clear that i would inform them of any change of circumstances Do they have any legal right to demand???

I don't mind paying because if they get away with this, they will continue doing it to vulnerable people. They are either grossly incompetent or using dirty tricks to get a Statement of Means at my cost because they know that with a Court Order already in place, they do not have to go through too many procedures.

Hi First of all, I apologies in advance with regards hash and tag and other advanced features like this because I am not sure. I would appreciate straightforward advice as I thought all this was behind me. Five years ago, I had severe money problems and defaulted on 7 credit cards. Two banks took me to court. Both messed up proceedings and I think I surprised the court by admitting I owe it I will pay it, even though the failure to implement correct procedures could have possibly gone in my favour. Both had Charging orders made against my house should I not pay. I had no problem with this. The Court also put on the Order that I pay one £75 pm and another £44. These were nothing to do with each other by the way. The bigger one, I pay by online banking religiously every month. no DD no SO Card Payment nothing. I pay it as a bill. I have never once defaulted. The other five, I have arrangements with and I have done this all myself. No problems. I have made full payments every month to my mortgage although I have arrears but they cannot take extra because of my monthly outgoings, again , there is no pressure from them because I keep them informed and I pay full every month. Now the other jokers, the £44 per month. They are a firm of "Solicitors" featured here on a very regular basis. My agreement with them was to take £44 pm, by continuous card payment, which they have done. Several times over the years they have left me answer phone messages or sent me Statement of Means forms to disclose my financial situation. I have largely ignored them as the Court Order said £44 per month, so as far as I was concerned that was it. Last week, I had a letter out of the blue from Court stating I have failed to pay as ordered, and I have to fill in the Attachment of Earnings Order I was horrified. It turns out, no payments have been taken since December 2014. I really must emphasise I had absolutely no idea they had stopped taking money. I know you hear this constantly but I did not. I have 22 DDs SOs and the only physical payment I have to do is the one I religiously pay £75 for. In January, I spoke to someone at the Solicitors who was trying to pressure me into completing the Statement of Means form with the promise of looking to reduce my 44. i told her i did NOT want to as the Court Order set that amount. She kept on and on until to get her off the phone, I agreed to her sending me the form. When I got it weeks later, i changed my mind and left it as the Court had stated. It appears no payment was taken from then onwards. They said they left me an answer phone message end of Jan and admitted no other contact attempts had been made. This is totally their doing and I am extremely upset. One of their agents told me the other day, to not return the court papers until i had spoken to someone else who would phone me back. Nobody did, i eventually contacted someone else, asked what to do re court papers and she said she didn't know what I was talking about!!! I am devastated, being threatened with employers being contacted, or Bailiffs being sent round when I have left everything in their hands. I have told them I want a copy of my file and especially the phone call in Jan and they said they couldn't. I informed them I could and so have sent the admin fee to them for this.. I also paid the £44 immediately. What do I do,? It comes across as if I have deliberately disobeyed a Court Order, they have piled their admin fee on. Is this their ploy of getting their Statement Of Means/Income/ Expenditure? I WILL send the papers to the Court but I am determined they will not get away with this.. so can I request a hearing. ? I will very gladly pay the Court fee because they are nasty extortioners and now I for myself and any others, am prepared to do battle with this. I am so sorry about the length of this and thank you very much for your time x

Thanks Andy I have managed a general query and titled it . It was just that the site was asking for general comments about the actual site and I do find it quite hard to navigate tbh. Thanks

I had a replacement tooth/crown sent over from US to UK to have fitted by a dentist here. I paid in full and an extra £12 Post Office charge for Customs clearance. It broke and two weeks later the US dentist sent me a replacement tooth/crown with no charge as it was under guarantee. He put" Replacement//Under guarantee" on the invoice and I later got a bill from FEDEX asking me for £30. Do I have to pay for replacement goods under guarantee and how does FEDEX justify that charge? They blame Customs. The invoice bill is unreadable and I had to phone the US Dentist to ask what it said. How can I be charged 11 pounds for a declaration of 40 dollars on the first tooth then 30 pounds for a zero amount on a second replacement tooth shipment which said that the tooth was under guarantee and a replacement. Thanks .

Have to say, I am quite computer literate but I do find this site very difficult. Haven't been on for a while so I am struggling where to post any concerns about Customs Excise for example. Searches take me to other forms of tax. I know you have lots of subjects and I along with others are extremely grateful but can you make this site a little easier to navigate please. xx

I certainly think that if there are time limits they should be adhered to.My solicitor told me it was "protocol" rather than anything set in stone that the 6 weeks to acknowledge and the 3 months to investigate were made. I just wondered if that were the case. I have taken another 3 sets of photos of the pothole which is still there and gaping wide, in fact I was so incensed when I went to the branch just before Christmas, that I dragged the duty manager out to have a look again. All the car park lights were out as well so it was obvious how seriously they took it all.The solicitor I have was recommended through a large police organisation and belongs to one of the most successful civil proceedings company it appears. Thanks for your help it is much appreciated.I just couldn't find anything anywhere one the 6 week 3 month rule and whether it was law or not.

Please can someone help with some kind of timeline. In July 2012 I fell down a large pothole in Tesco car park and broke my ankle and elbowI contacted a Solicitor and she told me that the other party have 21 days to reply to her letter acknowledging and the 3 months for their investigation after which they will give their result. He told me that he had sent a letter at the end of July and by Sept, had not even received the 21 day acknowledgement. she eventually got an acknowledgement from Tesco in Dec.....she is now telling me they have 3 months from the date of their acknowledgement in December- to do their investigation March 30th is a cut off date. Can this be right? If a company ignore several letters to give an acknowledgement , surely all they are doing is deferring things. Should the 3 month investigation period not start from 3 weeks after my solicitro sent the letter, I mean what if a company does not acknowledge for say 6 months..Is it right they can legally defer it? Thank you

I think you done well by just getting a response from ASDA. I wrote 7 letters of complaint last Nov and did not get a reply. Then I took a fall and broke my leg in a "trench" in their car park in June and had to write to them again last week because of still no reply, despite should have replied within 21 days...watch this space.......