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thekat1979

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About thekat1979

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  1. Thank you all for your help. I shall contact Rickerby's and confirm they want it paying to the new person. Then amend standing order accordingly. Thank you so much for your help. K
  2. sorry Is there anything I can do, I am so confused and scared. and no worries about re-formatting. Yes, sorry, I couldn't find my previous post so tried to summarise in my post. thank you.
  3. I really hope you can help. I had a CCJ placed against me around 4.5 years ago, and as they served the papers to an incorrect address (despite having my actual address), I didn't know about it until High Court Enforcement officers turned up. I got advice here and asked for an order to make a payment plan (it was 3k and I couldn't afford to pay it in full). I don't believe that the people who are chasing me for the money are actually the correct people, but apparently the courts don't agree. I did get the order varied, and have been paying the amount I was ordered every month. On months where finances have been very strapped I have had to pay my money by bank transfer rather than SO, but it is ALWAYS on the correct day. Apparently, a few years ago the solicitors who were dealing with the case changed firms, I got a letter on headed paper and duly changed the standing order details to match (even though they sent it in standard font when I am blind and told them I couldn't access it without someone reading it for me which I was ashamed for someone to do). This was Rickerby's being made into another company, Harrison Clark Rickerbys if I remember. I recently got an e-mail saying that things were changing again, and that I now had to pay a completely different solicitors and would I like to make a payment arrangement with them as they 'noticed I was behind' on my payments of £20 a month - which is NOT what my monthly payment even is! They said if I didn't catch up immediately then they would take me back to court for the full amount. I asked them if they could please prove themselves to me, as I am worried that if I change the info I am paying to that I'll be in breach of my CCJ, and I don't want that. They also couldn't provide me with any info on the amount of the debt etc, just the name of the 'debtor' This new firm is TnC. I just kept getting nowhere with them over e-mail, today, after a good 2 months of to-ing and fro-ing from them, I have received a forwarded e-mail from the second firm (Harrison Clark Rickerbys) saying that they can confirm I have paid £380, and that they had £40 in a cheque that they would send on to them. I then got a completely separate e-mail from Daniels Silverman 'Proactive Debt Recovery and Investigations', saying that they are acting on behalf of their client and if I don't pay the full amount immediately they will take 'further action' and that I am to pay it in full within seven days, and that the money is not to go to anyone but them! I really don't know what the hell is going on, I don't want to be in breach of the CCJ, I am just starting to get myself on an even keel, but not sure where to go. I have not contacted the original firm of Rickerbys - or the one they merged into - as I THOUGHT I was doing everything right. I didn't want to mess anything up, and as I am blind, I couldn't find the papers I needed for reference numbers etc and I just really do not know what to do Who do I pay? What do I do? They seem to be changing who I pay the money to every year. ..I could accept a merger, and did, but this all seems fishy to me and I'm not sure what to do. I have paid every month, skinting myself regularly to do so, and it is completely out of control. Are they able to change any of the details of a CCJ without going back to court, from what I do understand, if I wanted to change anything then I would have to go to court. It isn't even for a debt I feel I owe, but I don't have the mental health to fight, and this is making me more ill again (I am being treated by the local community mental health team for a variety of issues). What am I to do? What is appropriate behaviour from them? Am I right to be suspicious? What can I do? Sorry for the long post, and I hope it makes some sense? Many thank
  4. Hi, sorry, the e-mail alerts just do not seem to be coming through no matter how much I play with the settings. I actually forgot I SAR'd them - and am having trouble finding the receipt for proof of postage that I had, but they have not sent me a thing, and I SAR'd them on the 13th February 2012. Hope you can help.
  5. Got court papers for a c1 debt on 4th December. I was not in a very good place mental health wise (i was sure the world was ending on 21st and had made plans for it, and was being treated by the community mental health team and taking diazapam), and in my comfusion, was convinced I had 28 days to reply, so figured i could deal with it after my crisis. I have now got myself in a place where i can (kind) of deal woth things again (i was very close to suicide at the beginning of and mid point of december), but have just found out it is 14 days to reply. I imagine this means i have had a judgement made by default, but i have not heard from the court (they used northampton). I cannot afford to pay it off in one go, and the debt they are claiming is made up of charges. C1 sent it to a range of debt collectors, and i asked each one of them for the credit agreement, which none of them provided, just said that it was being referred back to C1, my credit balance was for £400 but the amount on the CCJ form is £750. I have heard nothing from the cpurt but brian carter have written to me saying it isn't too late to pay them. As a point of interest, the first i heard from them, that i know of, is 3 days before the court papers arrived. This is all very embarrassing as i am also blind so need someone to read my mail for me, so not sure what i can do. What can i now do? Your help will be greatly appreciated.
  6. A further development is that today, a letter dated yesterday, from the solicitorsarrived giving me an account of theirs that they say i have to pay £10 into by tomorrow or they will send the high court officers around. However, as i hadn't heard anything by yesterday, i sent the cheque to the uni asking for bank account details to put it into for a standing order from next month. I don't know what to do
  7. Hi all, Finally have an update. The other side didn't bother turning up - even though they were the claimant. The judge granted a variation order for £10 a month, which is more than the £4 I offered, but still just about manageable. He said he wouldn't remove the High Court fees - which are more than £1300 as the CCJ papers were sent to an address I HAD lived at - even though it was concil owned temporary accomdation and the only people I gave that address to were utilities and bank as we didn't know if we would be there a week or a year. He says that because I HAD lived there six months previous to when they sent the papers - despite being on the electoral roll at my new address - then it was 'reasonable' for them to serve the papers to the temporary address and he considers the papers served legally It is going to take me 40 YEARS to pay the money off, at least if he had taken the HCEO bits off I could have paide it off in around 30 YEARS...I have not been given any details of where to send payment for my first installment - the Variation Order arrived in the post this morning, ten days after being in court - and my first payment is due on 1st of every month, so I am about to send a cheque to the university finance department with a request for their bank details so I can set up a standing order. Fingers crossed they get back to me. I have told them in the letter that I enclose a cheque, but that I am accepting the judgement under protest - might as well let them know how I feel.. I'm not horrible, it is calm, just stating that I did not believe that I owed the money but am not in a position to be able to defend myself so am accepting the judgement under protest. Anyway, thank you for all your help, it has made a very bad and stressful situation much better. Thank you.
  8. Hi all, An update. turns out they sent the papers back to my old address despite being told several times on the documents i sent them that i had moved, giving the new address and stating my current address in the 'info regarding this case should be sent to' box. i hadn't included enough evidence of benefit so they sent EVERYTHING back to that address. i had to rewrite and resend everything again, and they granted the stay of execution and sent the variationorder request to my local court. i received a letter today giving me a date for a hearing for the variation order application, in about a week. it doesn't tell me anything other than turn up so i have no idea what to expect, what i should take, whether i can take someone with me, etc. i have visions of the big courtrooms and being grilled left right and centre and having to show how every penny i spend is allocated. in short i am scared. can anyone shed some light on what i should expect or bring?
  9. and sorry i didn't reply to last few posts, i didn't get any e-mail notifications. i shall check back here regularly.
  10. hi, i just received an e-mail from the HCE asking me to provide proof that i have applied for a variation order (it says setaside/variation order(. the thing is i have sent every copy of my court papers to the gloucester CC - i know i should have kept a copy but i am on a lot of medication for my mental health, and didn't think. i haven't heard a thing from the CC, i have proof that it was delivered as i have the royal mail thing. however i have no way of proving what was delivered. i haven't received any documentation from the CC and just assumed it was because they are busy. the HCE say if i don't provide proof within 2 weeks they will be calling around again. this is, by the way, in response to an e-mail and recorded delivery letter i sent to them a month ago. i was starting to feel less stressed about it and was calmly awaiting the CC papers to arrive, but now i am very upset and anxious. hope someone can help me. thank you
  11. Still haven't heard from Court or HCEO. What can I do if the bailiff calls again?
  12. Just to update. The HCEO have not acknowledged my e-mail, or the copy of it sent by recorded delivery (which arrived yesterday), so i have no idea if the HCEO is going to back off while the court papers are dealt with. i haven't heard back from the county court in cheltenham, and the stress of everything has caused a relapse in my mental health issues, and i am too scared to ring them to tell them it is urgent I really hope the court do things before the HCEO calls again. I accidentally put all copies of my court paper in the envelope i sent to cheltenham, so don't have a copy i can show the hceo if he comes around again. The local CC tried searching for the high court writ, but said it wasn't coming up on their system, which is why they said they couldn't deal with it at my local court
  13. Got an update for you. Took the papers to the local County Court today, and they said as the CCJ and the High Court Writ were issued in Cheltenham, I needed to send them to there. I have herefore sent them today via special delivery, and will be phoning them tomorrow afternoon, to let them know about the urgency of the Stay of Execution form at least. I am about to e-mail the HCEO (and will be printing and sending the same to them via recorded delivery) letting them know what I have done, and lettin them know that I am classed as a vulnerable person. Just out of interest, and just in case the HCEO calls again, what does being classed as vulnerable do to a case? Thanks so much for all the help, and I will of course keep this post updated.
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