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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

deeplydebty

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  1. Anna1s1 started following deeplydebty
  2. deeplydebty
    quite a few grand but we already have a second charge on the house which wipes out any equity
  3. deeplydebty
    Sadly, I have nothing. When I submitted the N245 I included everything including the stepchange printout that said I should offer £1 a month not just to that creditor but to all my creditors. If it wasn't for tax credits we would have been homeless ages ago.
  4. deeplydebty
    OK, so the courts aren't interested so much and just let the creditor get on with it. Looks like I'll have to play dodge the bailiff.
  5. deeplydebty
    But I thought that even if they disagreed the court would decide.
  6. deeplydebty
    It doesn't appear to be the creditor who rejected the variation but just the court made its mind up. We have no equity in our property so a charging order may be pointless. We are self employed (and made a loss last year) so attachment of earnings will not work. Third party debt order - not owed any money ourselves We have lots of unsecured debt so bankruptcy might do us a favour. Bailiffs were my worry but we'll just refuse entry. So, the six years. Is this six years to start execution or if they start execution does it expire after 6 years? We told them all along that we had no money or assets but they think we have a golden fleece!
  7. deeplydebty
    Hi Andyorch, yes, it was a forthwith with 14 days to pay the whole amount. The judge didn't ask at the time if we could pay.
  8. deeplydebty
    bankruptcy would be handy given the amount of debt I am carrying. Especially if someone else is paying! I'm sure I overheard the wife telling someone we had a Chagall or perhaps I misheard and it was shag-all. Thanks for the info. The car is not worth much (to anyone but me) but I can happily store it for a while in a friend's lock-up. Ah the sweet smell of summer on the bus...
  9. deeplydebty
    Thanks for the speedy replies. We do own our own home but also have a second charge on it so the equity isn't huge. It's the bailiff part that worries me the most.
  10. deeplydebty
    Had a civil case and lost with the judge ordering me to pay loads within 14 days. Sent in N245 variation request complete with tax returns showing my losses, bank statements showing my constant overdrafts and the stepchange printout detailing all my credit card debts. Judge decided that the application for instalments be dismissed on the basis that the judgement sum cannot be paid within a reasonable time. (I did tell the creditor I had no money but he didn't believe me) I really have nothing I can sell and no-one I can borrow from (who'd lend me anything) so now I am worried that bailiffs will be knocking on the door scaring the kids and adding even more on top of a debt that I can't pay. I've tried to get some legal advice for free but no-one can offer any advice. Help...please....
  11. deeplydebty
    Thanks. If it all goes well I may not need further advice... for now.
  12. deeplydebty
    Thanks Andy, so I just fill the name in as Mr & Mrs ...?
  13. deeplydebty
    My wife and I lost a county court claim as joint defendants and have been ordered to pay £2800 forthwith. We don't have it and a debt charity has gone through our figures and said run, sorry, offer £1 a month token payment because you are living on credit cards. We are trying to fill in an N245 application for variation but I am a little stuck. We have one source of income, my Wife's self employment, which we both work within and share the childcare responsibilities, so effectively I have no income of my own save for the child tax credits that are awarded to both of us (I do not claim unemployment). Our income goes into a joint account and all living expenses and payments come from the same account. There is only one claim number so do we fill in one N245 in both our names or two with the same income/outgoings or two with my figures as zero? Do we have to pay one or two fees? I've looked at ex160a to see if we qualify for fee remission. We meet the gross income part but I'm not sure if our endowment policy counts as disposable capital for what it's worth. Any help would be lovely, thanks

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