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bobalott

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Everything posted by bobalott

  1. Hi all sorry I haven't posted in a while, been busy and stressed! Husband had the n244 hearing today and he can't quite recall the exact wording but the writ was stayed and the claimants awarded £1 per month token payments so good news. However we didn't get the n245 in until a week ago due to finances and awaiting cb evidence. It came back to us today with a slight error on the ex160 that is easily recified. Do we still need to submit the n245 though if the judge today has ruled £1 a month payments?
  2. Thanks. Yes we informed the hceo of the stay. So we really can't just take the n245 to the local court? I've read on lots of (less reliable) sites to take it to a local court? It will be sent 1st class recorded in the morning to northants in that case. To claim fees back from northants if we are posting the n245, do we have to go in person? We got the suspension of writ letter today and a confirmed court date. I'm assuming I need to take time off work for it as they won't want a 3 yr old disrupting the hearing! thanks again for everyone's help
  3. Sorry I haven't been back on, busy sorting stuff / working and sleeping after 3 nights of no sleep! I have a few more questions and I apologize for my wittering on in advance! 1. Most importantly, what happens now with the stay of execution? OH rang the court late yesterday and was told the writ had been stayed, details would be in the post and there would be a hearing around the 16th september. What does the hearing entail? Is the HCEO still likely to visit until they get the paper work? We have remained vigilant anyway but the closed windows are getting stifling! Can the creditor apply
  4. Well I was worried about the car but the writ has been stayed! thanks everyone who helped, we are utterly relieved. I have a few more problems I need to query re the ex160 and n245 but busy with kids tea etc for now so will pop back later. Thanks again from one very happy and relieved mum!
  5. Do I need to write the form N244 out 3 times or will a photocopy be okay? Husband can sign each one separately if need be obviously.
  6. We ceased trading in september 2011. The CCJ is from May this year, but husband took out the rental agreement in just his name. We are currently preparing (and saving) to dissolve the partnership via bankruptcy. It was just the two of us and we had no formal agreement regarding debt. We are married and treat each others debts and income as joint.
  7. Thank you. I'm just gathering all the evidence for the fee remission, got everything but the child benefit statement. Hopefully that will turn up or we will have to use bank ststements / housing benefit statement to prove it. I'm still not sure what to put on the N244
  8. Also I'm still unsure whether we can do this at our local court but I guess they will tell us if it's possible if we phone?
  9. Stay of execution. the hceo fees are just under £900 on a £2900 approx ccj. I'm really worried about the garage.It's not technically connected to the house but to the conservatory. There is a door between the two but we have never had a key so I'll go and buy a new lock tomorrow. Would that count as a separate building? Our 2nd car is in there but hopefully it will go to a friends tomorrow. If they break in there can they then break into the house through the connecting door?
  10. Is there a template anywhere of what to put on the N244 - I don't have a clue what to do, hopefully I can fill it in tonight after the kids have gone to bed.
  11. this is the letter I've just realised it says they will come up until 10pm - is that right? I have children who will be in bed!
  12. Done, thanks My husband has confirmed that the letter was hand delivered. I've read somewhere that the N244 might have to go to the original court. We live in Derby, does anyone know if it's likely we can do it at Derby court?
  13. None of our other ccj's have been enforced by bailiffs or hceo and we have never had any of our goods seized. We did many many years ago have a bailiff visit for unpaid business rates. They did a walking possession order but we paid the rates the next day. the hceo came while we were out so we didn't see him or her. I assume the letter was hand delivered but didn't see it as my husband hid it so I didn't get upset. I then came to my mums for the weekend (still away now) and he rang me about the letter. I'm awaiting his reply on whether or not it was hand delivered. The letter does not say
  14. My husband rented the unit knowing the poor state (he was desperate it's a long story) He kept asking for repairs and then left the unit whilst still owing rent, so he would have no defence. We know he is in the wrong but we had no choice at the time as our house had just been repossessed and we were in a big mess. Hence his admission to the debt and willing to pay something towards it.
  15. Thank you so much! I don't think the letter had a form number on it (I am not at home but husband sent me a photo of the letter) is that relevant? There is also info on the reference number or anything for the writ of fifa? Is the bailiff not being on the register insignificant? Thank you everyone for your replies and help
  16. It does appear at the old address. The creditor is the owner of an industrial unit we rented. We left because it was in a terrible state - holes in roof etc. We were originally going to contest the debt but then heard nothing for years and kind of forgot about it amongst all our other debts. We are hoping to go bankrupt in the near future when we have raised the fees! I will have a look at stay of execution. Could we do that as well as a set aside? We don't care about getting another ccj as long as we can pay in installments until the time we can go bankrupt.
  17. Thank you. I looked at that but it talks about filing a defense. We don't want to defend as we are willing to pay in installments (as much as we can afford). I guess I can put that on the form instead? Which court do I take it to? Thanks.
  18. My husband received a letter saying that he had a ccj back in may that we didn't know about. We don't dispute the debt, we have had a lot of difficulties recently and have other ccj's that we pay £1 a month to. If we had received the court notice we would have asked to pay the debt in installments like our other debts. I can only assume the court letter went to our old address (we left 5 years ago) where we were when the debt first became a problem. However the creditors, dca and solicitors etc have been communicating to us at our current address. Yesterday an HCEO
  19. OK I have rung the solicitors and again they say they have not received my special delivery letter with the copy of the receipt in! However they have received this months payment sent in the same envelope??? The lady I spoke to was actually very understanding and nice, she assures me she will let me know what will happen next when she does get the recepit - she thinks it is likely they will apply to the court again for higher payments than I suggested etc but it all sounds a bit vague..... I will wait a few days and ring again, but the court specifically told me it is not up to me to set it as
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