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frederena

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About frederena

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  1. Thank you again for taking the time to reply. I found out yesterday that the N61 is the process of the bailiff serving form N56 on me - which is the i/e sheet to complete for an attachment of earnings application. So, I filled the form in, along with form N245 and sent them to the court yesterday recorded delivery. I'm hoping that when they receive the N56 they will put it on file and cancel the N61. With this form I included a covering letter - I have no idea whether this was the right thing to do - just stating my current situation with unemployment, and the reasons for it.
  2. Thank you again for your reply. Well I bit the bullet today and rang the court to see what had happened. The lady was so unhelpful, and stated my papers were with the court bailiff as a form N61 needed to be personally served on me. She basically refused to speak to me as it was in the hands of the court bailiff. This is for an attachment of earnings, and apparently I have a set period of time to return this after completing my income/expenditure. She said they'd confirmed with my employer that I work there (I officially left after maternity leave in May 2008- so how they will
  3. Thanks for your reply. The National debtline have this on their fact sheet: "Most credit agreements are regulated by the Consumer Credit Act 1974. This means that your creditor has to sue you in the county court and cannot transfer the debt to the High Court for enforcement. The High Court is most likely to be used by creditors for debts over £15,000 that are not regulated by the Consumer Credit Act 1974." Have I read this wrong? The debt is a credit card and states its covered by the Consumer Credit act. I feel way out of my depth - I have no idea what I'm doing
  4. Thanks again for taking the time to reply. The dca were terrible to deal with - it's not one I've had dealings with before, and hope to never again. IND Ltd - need I say more? They are the original dca who went for judgement. I do have the letters from the enforcement agency, but my husband has kindly 'put them safe', just forgot to remember where. Going to ring the court shortly to get an update and see how many more times I've been taken to court without notification. They definitely did apply to transfer to High court jurisdiction - I have a statement with fees added et
  5. ok, I'll do that tonight and post first thing tomorrow. What does requesting the cca do? I've done that with other debts I have, but can I still do that with judgement against me? Trying to get my head round it all and not succeeding I'm afraid! Just to add, it wasn't barclaycard who took me to court, it was this other company. (not sure I should name them to give away too many details) however, as soon as they took over the debt things spiralled out of control. Thank you again for taking the time to reply.
  6. Thank you so much for your reply, I appreciate it. It's a barclaycard visa. The debt is for less than £10,000. Who would I send the SAR to? The original creditor, or the company chasing me now? (who incidentally are awful). Paperwork all here that I can find. Some is missing from 2006 I think - a particularly bad year for me following a family upset - I went off the rails a bit, so filing wasn't the best. Thank you for your help.
  7. if the discs are purple(not the label side) then they are fake
  8. Hi all, I'm sorry if I've posted this in the wrong place, I'm a little stressed at the moment and not thinking properly. I've been on a self managed dmp for a while with several of my creditors, but this one has really stumped me and I need help. In 2007 a creditor for one of my credit cards issued forms through northampton to apply for a ccj. I sent the forms back in good time to the creditor with my payment proposals on, and waited for the court judgement letter. When I received the letter, it stated I hadn't returned the forms, and judgement had been entered for the full
  9. hi thanks for your reply. Debt has been sold as I did an SAR to Capital one, and it states on there it is sold. I'm going to try and ask - although I'm not optimistic of getting anything back! thanks again x
  10. I've received a letter from Capital one offering me a goodwill gesture in regards to PPI mis-selling. I'm happy with the amount offered, but I don't want it reduced from the oustanding balance on the account. The account was sold last year to a dca, and is no longer with capital one. (I have the dca letter which states this). I'd like to ask for it to be paid by cheque to me personally as they don't have the account anymore, do I stand a chance of this happening? I haven't signed the agreement yet, but it does state it will reduce the balance. thanks
  11. yes the clampers are registered. I checked on the SIA website and his licence is current. I think I will write a letter of complaint this weekend. I'm not expecting to get anywhere, but hubby said the clamper started getting a bit flustered when he was stood there taking lots of pictures! Thank you all for your advice, I don't hold out much hope, I was panicking yesterday as it just came at a really really bad time for us. thank you again x
  12. thank you for your reply. I think it was side road just off a retail park where he was delivering too. So I'm assuming its a private road. I know he would never park where there was any chance of being clamped, but he said the signs were nowhere near his lorry. He had to pay, or face being sacked unfortunately. Do you think my chances of complaining are slim?
  13. hi there, new to this forum, so I can only apologise if I've put this in the wrong place. Just had a phone call off hubby who has just been charged £155 to have a clamp removed from his truck. He stopped for 25 minutes, on a side road (no road markings) to get some bits from the shop. When he returned, there was a nice shiny yellow clamp on his lorry. There were signs on fencing on the other side of the road (there were gates which he didn't park near), but no signs on the other side where he was parked. He deliberately didn't park near the signs or outside the gates. T
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