Jump to content

jubaxt

Registered Users

Change your profile picture
  • Posts

    681
  • Joined

  • Last visited

Everything posted by jubaxt

  1. hang fire-am sure someone will be along to advise soon:)
  2. hi ell-its 20th may-and thanks for the info.will crack on with it this a.m
  3. not at hand but could hopefully get them.i checked the dates and amounts with npbs yesterday and they tally.
  4. £80 per month on top of monthly payment-ie £504+£80=£584.this is how much we wish to continue with.we have paid at least this amount for the last 3 months
  5. thankyou ellen. our monthly mortgage payment should be £504 ( £584 as stipulated by the court order.)we paid £800 on feb 12th, £800 on march 30th and £600 on april 24th.we have been paying excess on all our bills such as council tax for over a year.we have 2 adult sons and no younger children.our sons live at home and have both just finished degrees(one reason for financial problems)but both now graduated.we have a second mortgage which also had arrears but have finally just paid off those.we have also finished paying 200+ extra a month for our council tax which is also now up to date.
  6. hi -you kindly guided me a while ago when i needed help completing a n244 for mortgage arrears with our second lender, blemain.we have paid off all the arrears with the company now but with the credit crunch and one thing or another have received one from our main lender, norwich and peterborough.we had a possession order to pay approx £640 per month but with rising fuel costs(we travel 120 miles per day between us just to work and back)we missed a payment last november.we have paid sept-£600 oct-£1200,nov-£0, dec-£600, jan-£500, feb£800,march£800.april-£600 and may £600.we are behind one payment of £584(just had monthly payment review)of the court order.our eviction date is may 20th but we get paid on 22nd-(sods law)when i was hoping to pay next months £584 +£220.i have a n244 to complete but dont know where to start-please would you mind helping again? thanks in advance-ju
  7. its just a letter stating that it has been transferred to guildford county court, no contact details , no attachments, absolutely no other info-just really a 2 lined notice with the case number at the top
  8. no-at the mo its just a notice of transfer to another court for enforcement.However, the new court is not local. I have just called our local court office for guidance and they say it will probably end up with them. Can they go straight forr attachment of earnings? or do we need to fill in forms before they apply. The last thing we need is a bulk taken from our salary at short notice.
  9. the ccj was for £4000 paying back £180 a month-we now owe 2 months installments due to decreased hours at work
  10. hubby has a ccj with lloyds and we have fallen behind with the installments.we have today received a simple letter to say that it has been transferred to a county court for enforcement 160 miles away. I am so worried-will they just need the arrears on the installments paying or the full balance on the ccj?
  11. hi alex-just wondered how your claim progressed
  12. please help folks, for several months we have been trying to set up a direct debit for our council tax but for some reason they kept going back to the council as cancelled-or so they say anyway.We ended up with a liability order Finally, in november, I was worried so phoned the council and asked for standing order details so it could be paid that way. I asked whether I needed to pay anything that day and was told not to bother and to divide the outstanding amount by 6 and start at the end of novemeber. I set up the standing order immediately following the call which was on nov 3rd.Lo and behold on november 10th I received an AOE notice for hubbys salary. The letter was dated 6th november. I called the council tax office on november 13th and they assured me that the AOE would be cancelled.Shock, horror on opening hubbys pay slip on 23rd-AOE had been taken for £700. I called in to the local office and took his payslip-I was told that the attachment had prob been stopped after the details had been processed and that they would re-imburse a refund of the difference of what was due by standing order on 27th and what had been taken out of salary. I was told to expect the cheque within 3 days -that was 2 weeks ago!! i called hubbys employer today to find that the attachment has never been stopped. and the council office have stated that I cant expect a refund til the funds reach their system.Hubbys employer has actually called them today to clarify that it has been deducted. I dont want to cause enough grief at the mo til i get the refund but what are my rights and who should i complain to?
  13. hi folks-watching this thread with great interest-I started a claim with Lloyds just before the oft case-sent all the letters, spreadies etc but then couldnt afford the claim fee so haulted it-they owed me £6000+ with interest. To start anew I opened an abbey basic account and started to rebuild but had previous debts that stemmed from me taking time off work when my mum was ill a couple of years ago. Abbey started adding fees(as much as £300 a month) and the debts got worse. At the moment we have a new ccj,(ironically for lloyds loan for £2000) and a repossession order for our mortgage. I am at the end of my tether-even getting up in a morning is an effort and I cry as I write this. I dont feel as though I have the time to wait 40 days for a list of bank charges to start claiming against abbey-is there a short cut or anything?would I be able to get a list of charges or write just asking for a general reimbursement? Also, who would I write to? please help
  14. nope-too late- I sent the application for more time to pay to s,c &m.They have applied for judgement but we received the summons mid june so...........too late now to counter-claim:mad:
  15. hi folks-things gone from bad to worse-we had a bit of a problem after receiving the summons and, due to time constraints, decided to ask for extra time to pay the amount-(with the intention of then continuing with the charges claim afterwards). A letter was sent to s,c &m with our payment proposal. HOWEVER-today they have responded by saying that their client(Lloyds) still intend to seek judgement-Is it too late to prevent a judgement being entered? many thanks
  16. just need to put figures into new spreddie cos my last one was from last year-any links on here for sheets that still work please? i reckon with another years interest it will be just about even but may be mistaken...
  17. hi charlie-we have not made any payments towards the loan since last summer:(.Like an idiot I thought lloyds would pay up on the bank charges and it would be paid off.then the oft case reared its head.....
  18. Hi folks. Back in 2007, before the oft case,we had sent prelim and lba to Loyds for charges on our current account(joint names) for approx £5000ish. We received £750 as a goodwill payment and nothing else.We could not afford to pay the court fee so our claim was never filed(are we stupid or what?) The account was left with a £2500 overdraft and has not been used in a year or so. hubby also had a loan which defaulted and this morning he has received a court claim for that account for £4874 + costs which takes it to £5039.40. he is away at the mo so I will be left to sort out the counterclaim-please help me someone:cool:
  19. just tagging-in the same boat any news grumpy?? We were about to put in a claim for over £6000(inc interest) which had amassed from charges on our current account, when, the oft case reared its head and we couldnt afford the fee. We owe £2400 overdraft on the dorment account and now,today,hubby has received a claim for £4874+£85 court fee+£80 solicitirs fee=£5039 for a Lloyds loan account in his name will start our own thread but in the meantime can anyone help please?
  20. need to get witness statement done-you there ell?-can anyone else advise me how to format it please:-?:-?
  21. just bumping-need help ,please ,mates
×
×
  • Create New...