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impecunious last won the day on August 24 2014

impecunious had the most liked content!

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About impecunious

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  1. Thanks dx100uk Looks like I may have to come to an agreement to pay Jacobs' fees. Hope they like £1/month. As regards the threat to remove goods - thought they couldn't do that if the CT arrears were paid -- and that they couldn't enforce for their fees alone. Best wishes
  2. Please try and explain your story as fully as possible but in a chronological order. It will make it easier for people to understand what help you need. Please space and punctuate your story clearly. It is difficult to read an unbroken block of text. Jacobs were instructed to collect CT arrears. Received letter from them end of January 2019 - promptly paid Council at beginning of Feb 2019. Bailiff attended this morning at 9.00 am. He was not afforded entry. He keeps calling my mobile and sending text messages threatening that a removal
  3. UPDATE The sky didn't fall on my head. It's now been almost seven years since the original court case and, although the debt has now risen to £40,000 (with the addition of 6 years' statutory interest @8%), I still haven't paid a penny for over 6 years. I attended another oral examination (Order to obtan information) 18 months ago where it was obvious that I was still impecunious and could not make any offer of payment (no matter how small). I should imagine that this debt has long dropped off my credit record (if it was ever added in the first place). Although this whole ma
  4. In the event of my bank account being frozen and subsequently "raided" as part of a Third Party Debt Order -- can my Housing Benefit be taken? My balance is meagre to say the least ... minimum required to service rent and CT. Imp
  5. When you're self-employed, work related activity can consist of: updating/maintaining records, market research, creating copy for website/blog/advertising, business networking, design/production of samples, keeping accounts, reporting to HMRC/Council (if claiming benefits), online research ..... travelling to see potential clients .... the possibilities are endless. All this on top of any actual hours spent "working" on the phone/texts/making crafts. HMRC may need to be convinced you're self-employment is "commercially viable" with a view to making a profit. Especially in light of
  6. Yes, alleged accident at rear of party wall next to pavement. Very spurious claim. Insurance was compromised due to insurance company sending documents to derelift building site 8 weeks befre incident. Otherwise it would have been a straightforward insurance claim. Sod's law. Imp
  7. No, it wasn't a driving accident .. I've never driven without valid insurance, tax or MOT. That would be totally unforgiveable. Imp
  8. Claim can be lodged anytime within three years of the date of the accident. Your daughter is lucky - she has insurance - they will deal with it. Imp
  9. Thanks for the responses guys. The quantum hearing awarded £15,000 to the Judgement Creditor and there was c. £12,000 legal costs. Statutory interest for 6 years takes the total to just under £40,000 - an eye-watering amount - but that won't rise now as interest is only added for 6 years. You're right, I didn't have the money then and I certainly have nothing now. It was obvious from the EX140 form that I had to complete at the oral examination this week that I was unable to offer any monthly payments - not even £1.00/month - so I didn't. I have no tangible assets and haven't had a ca
  10. Andyorch - after all this time, what would constitute "fresh proceedings"? "....however an action cannot be brought on any judgment after the expiry of 6 years from the date it became enforceable. The term “action” only applies to the commencement of fresh proceedings on a judgment, it does not include enforcement proceedings so, strictly speaking, for enforcement purposes and enforcement proceedings, no limitation period applies. "
  11. The oral examination was held today. All very straightforward and not in the least daunting this time, with only a paralegal attending on behalf of the Judgement Creditor. The information requested was little more than the normal paperwork I'd produce for the council for continuation of housing benefit. I have been asked to provide bank statements from 10-12 yrs ago and present them at a continuation of the examination (date still to be determined). Not sure if that's possible but will try. Can only produce paperwork within my control. My main source of income is WTC a
  12. It's been 6 years and 3 months since the original judgement. I must admit, I've been very surprised not to have heard from the Judgement Creditor's legal team before now but I suppose they act on his instruction. The amount of the judgement has now risen to c. £40.000.00. There has never been any attempt at enforcing payment either. I should imagine that the Judgement Creditor's legal team aren't too happy about taking on a big-wig barrister at the time and not being paid for their services. It was always a phyrric victory ... it was a claim for personal injuries - I had no insu
  13. The Order to Obtain Information was hand-delivered to my home address but the name/address on the summons to the court hearing was my business name and the address of the retail unit I briefly occupied last year. A man banged incredibly loudly on my front door - I thought someone was actually breaking in - he refused to show me any ID or state his business and ordered me to open my front door to him. He was very intimidating - shouting, putting his face right up to the glass in the front door and snarling. (I had no idea who he was - it was 8.00 am - I was still in my pjs) I refu
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