Bloody hell, with this thread & the benefits street thread, I'm beginning to think this country has lost every bit of the social fabric that binds us. Some facts: - The Joseph Rowntree Foundation has not managed to find any families in which 3 successive generations were out of work - The benefit cap is a maximum of £500pw per household (not per person) from which all expenses must be paid - rent, council tax, utility bills, court orders, food, clothing, repairs, travel to job centres etc. The £500pw is not going to most households. - Most JSA claimants are short-term. - It is not possible to buy the old CRT-style

Please don't pay anyone £199 pounds !!! These companies make a lot of money from people who are frightened and desperate - if you had £199 you would pay it to the arrears wouldn't you ? It only costs £45 to submit the form to the court yourself. We can help you with the N244, read our guide - click here http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession you will see examples of how to fill in the N244 and set out a statement to go with Q10 of the form. If you can show the judge the reason for the missed payment, together with the letter from CLA I am sure you won't

we all worry about things its a natural thing to do believe me i do it enough times x. let us know what they say on Monday

Right, I see. Well yes, you would be expected to accept work that is within 90 mins drive, and to attend arranged job interviews in these places. You would not be expected to drive around on spec to Cambridge or Ipswich or wherever. Edit to add: none of the places you listed can be reached from Canterbury in 90 mins driving at legal speeds.

and if its for council tax or a consumer debt

Hi CSco, I think you would be unwise to rush into taking court action before you have firstly explored all relevant or necessary options and, secondly, given the bank notice of intended court action in a LBA as required by the CPR. Can you just confirm a few points :- 1. Is there any overdraft (authorised or not) involved on your a/c. 2. Have you referred to The Lending Code when writing to the bank. 3. Do you think the bank knew, or should have known, that you were suffering hardship. 4. Have you sent the bank any I&E summary to prove the hardship you're suffering.

well to me your ag is totally flawed and in breach of s60/61 cca1974 and improperly executed. The total amount of credit is wrong, which makes the early settlement figs a nonsense ( which they refer to as within the period of HIRE) and secondly as a restricted use debtor creditor supplier agreement there must be a description of the goods, there is none