Patricia Pearl - Small Claims Procedure - A Practical Guide|
An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.
£19.99 + £1.50 (P&P)
BAILIFFS - The Law and Your Rights
Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
£13.95 + £2.00 (P&P)
12th January 2011 13:12
Basic Account Holder
Income expenditure forms are they legally required to be filled in?
I have filled in forms before for my mortgage company and all that happened was thety returned pay slips etc. No discussion, no feed back said i could afford to pay and got a suspended repossesion order against me. The forms where filled in with the help of cccs and where actually showing a slight deficit when all was paid as creditors requested.
I was pursuaded after objecting to filling them in once more before christmas, that the company had changed their policies and now only wanted to help me. I filled them in they lost them and all paper work! I filled them in again but sent no paper work. they asked me to send nbank statments etc and also questions I thought unnessary.
1, i put down i spend £40 per month on pet food.( this is not an extravegant amount when you look at the costs associated with keeping pets from the RSPCA) they questioned this.
2 I put down £5 per week for other fuel ( its been really cold recently have they not noticed) for coal and they questioned this.
I do not go out dining or drinking, I havent had a holiday for years, I dont have sky, I dont have insuraces at all now, I dont lead an extravegant life style, I am annoyed at their attitude. I am trying to deal with debts and I have kept them informed constantly of work situation I was redundant and start new job tommorrow.
Do I legally have to fill in these forms as I feel I am being treated, and have been in the past, unfairly?
12th January 2011 13:29
12th January 2011 13:39
Re: Income expenditure forms are they legally required to be filled in?
If you are claiming that you do not have enough money to pay your mortgage then they can be expected to make such demands for further information.
As already mentioned all you are really doing is giving them a view of your finances to which they are not really entitled, as you have already found, they will happily strike through anything which doesn't fit in with their unique standards of needs and requirements.
The only person who can reach an informed opinion on how much you can afford to pay is you,
the only person who is qualified to reach such an opinion is you.
A court can of course make a judgement on how much you should pay, but even then the judge would normally request clarification of your income and expenditure and unless you are obviously understating or overstating your figures, the judge will make a judgement based on what you can realistically afford. The DCA does not have any say at all in this process
Hope this helps
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Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves
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