Thankyou. The budget sheet was one they sent me and quite basic. I also sent them last 2 years P60s and evidence of current income to show its back to full time.

Hi. Yes I will be able to.

Hi and thanks for reply. Yes I can get to the court tomorrow. I would be very grateful for your help. I have sent an email to Paratus as advised re legal costs. I had also requested that they advise hiw they come to the figure of £1250 to which Ive had no reply. So fo you think a judge will accept it?

Hi. Had a suspended possession order going back to 2008. Had one eviction order, went to hearing and kept the house. I paid off all the arrears. Then 2 years ago I had a back injury and was off work so was on reduced pay. Paid the mortgage but irregularly. I was then off for several months due to being bullied by my manager and eventually my pay went down to half. This has resulted in accumulation of arrears of £3200 approx. I did make an arrangement to pay off all the arrears in Aug but my manager ( a different one) hadnt updated payroll that I was back and so my pay wasnt right. My dad was going to lend me the shortfall. He is now ill so cant get me the money. When I was paid on Sept, my salary was correct but taken by the council tax as a DOE! Paratus have now issued another eviction notice scheduled for 3rd Nov which is Tues. The letter from solicitors advised I try to make an arrangement to pay off the arrears. I did contact Paratus last Monday 19th and offer to pay double the contracted amount each month which means the arrears would be repaid in 6 months. I didnt get a reply until 22nd requesting an income and expenditure to be completed and proof of earnings which I sent 0900 on Friday 23rd. They then emailed late afternoon on Monday 26th to say proof of earnings not acceptable - it was an online payslip. Tues 0800 I emailed bank statement showing salary credit. I emailed yesterday to see if they had made a decision and just had a reply saying senior person has rejected the proposal. However, they will accept it if I make a payment of £1250 (more then 4x my contractual payment) this month to show committment to paying the mortgage) then double from then onwards. They know full well from my I&E that I dont have this spare. So what do I do? Is it too late to get a hearing? And if I can would a judge take the same view or even grant eviction? Or do I just pay the money and ignore my other bills and starve me and my kids for the month?

Ok...thankyou for help. Ive rang Jacobs for a copy of the attachment of earnings order but they tell me they dont have it on the system!! But they have a copy of the letter sent to me??? They said the council would have applied for it.! Ok...so where is it then?

Yeah am certainly going to make a complaint as you have advised. Ive never seen any attachment of earnings order and Jacobs havent enclosef any schedule of payments.

Does a liability order give them automatic right to deduct from earnings?

When I verbally complained to the council about not receiving the bill they just said we hear that hundreds of times a day from people trying not to pay there bills!

I thought a bailiffs is used to either negotiate payments directly with a debtor or remove possessions, not to take money directly from a persons income? If thats the case why dont bailiffs just do that generally?

Please note £904 is the bill including charges of about £60. My question is as stated above.....can a bailiff use an attachment of earnings order granted to the council? Im not going to pay the council aswell as having my earnings deducted. I just want to know that the council has followed the correct process and the bailiff is actions are legal?

Hi, hope someone can advise me please. I didnt receice a council tax bill this year so I rand the council in April and told them. Said a bill had been sent and would send a copy. I still didnt recieve one so in May I requested it again but still didnt receice it. The next thing I received was a letter stating that it was going to court for non payment and then a letter stating that they had received a liability order. Within a couple of weeks I came home from work to find that a bailiff from Jacobs had pushed a letter ghrough my door (not in an envelope) stating that they had been to levy for the outstanding balance but I could still pay by instalments if i allowed them in and would cost £50. I rang them and explained that I had never even received a bill etc...they just said well its with us now and you still owe the money so we will visit again. I rang the council again who again said the bills and reminders were sent so basically tough and Jacobs are dealing with it now. I called Jacobs and they wouldnt accept anything less than £200 per month for a bill including charges of £904. I eventually received the original bill after my last call to the council. I sent a cheque for £200 for the end of Sept as arranged which hasnt been cashed and yesterday I received a letted from Jacobs infirming me that they have sent an attachment of earnings order to my employer!! And they have requested it be paid to Jacobs. How can they use an attachment of earnings order given to the council for themselves? Surely as this was gdanted to the council it cant be used by Jacobs to be paid to them? Or can they?? Wouldnt they have to obtain their own AEO? Any advice on the whole mess would be really grateful.

I have had a charging order placed on my property but I never received an interim order? should I have done, I didnt get the chance to attend court and defend it.

Hi...my date for the review is 21st January at 12 midday. My problem is that I also have a job interview that day at 11.30 20 miles away! Will I be able to change the date for the review? If they had done it at the end of November as they advised I wouldnt have had a problem as I was on anual leave.

does that give them the right to steal my card details and money...my name isnt even the same!

They have also made a £275 loan > £4000

But Ive had no contact with this company and have never even given my card details so how have them manged to get them??

Well today I discovered that £330 had been taken from my account. On investigation it transpired that it was by a paydayloan company from whom Id had a loan from 3 years ago. Somehow they had got hold of my card details for my current bank (not the same as the one when I took it out) and cleared the account. Ive never given them my debit card details so how can this be legal? I reported to the bank as fraud / unauthorised transaction but they phoned back to say they had contacted the company in question who provided them with all the evidence they need to prove I owed the money so doesnt matter that I hadnt given them my details they had the right to take it and therefore they will not be refunding it! I am gobsmacked that this is actually ok??

Didnt say anything like that. I will be making payments on 27th. He didnt say why.

payment to be made by the last day of the month.

Eviction suspended! But for review in 3 months when I have to provide an up to date budget statement. The rep from Paratus was actually very nice. Sympathised with me and said 'Im just doing my job'. She said Paratus had told her to oppose my offer and to try and get me to pay more. The judge said my arrears were extremely high but was prepared to suspend so that I can prove that I wish to clear the arrears and was happy with the CMI + £130. Thanks Ell-enn for all your help and hope you will assist with my review.

Thankyou.

Hi..yes..only managed to get my application in today itwas closed when I went yesterday. 2pm tomorrow.

All documents ready to go. Thankyou so much for your help. What are the chances they say no? And will I manage to get a hearing before Tuesday?

I have an N244. I will try and send the budget form again.

Yes I have access and I can go tomorrow morning.