I need some further advice where possible please.
I managed to get advice form national debt line who helped me work out a budget and an amount I could afford to pay Scott and Co.
Basically I called Scott and Co directly to arrange this and the payment of £120 per month was arranged by direct debit.
Unfortunately I was just made unemployed as of 30th of September and couldn't afford to pay the amount, this is mainly due to my employer overpaying wages previously and reclaiming it form my wage (another long story) and receiving very little this month as well as having no income going forward until I find new employment.
I cancelled the direct debit from my account as it had bounced and didn't want to incur any further charges, Scott and Co sent a Summary for warrant the day after (interesting document, they state the total without taking into account the monthly payments).
I'd been so busy in trying to find new employment I let this slide as I had a few interviews and had and other things to deal with and today I just received an earnings arrestment schedule from Scott and Co. This will fail (I think) as I was only due some holiday back-pay and a weeks wages however my employer has stated they're using it to cover the over payment they gave me earlier in the year meaning I won't receive any wage for this final pay cycle.
I would like to ask:
- If the arrestment document should name a local sherriff court that this was granted? All it shows is an another address for Scott and Co.
- Is it possible that I can still file a time to pay document to a Sherrif court, especially given that I have no income at this present time and I'm waiting to hear about JSA etc?
- If the above isn't possible, is it best to contact Scott and Co to let them know of my recent unemployment?
I don't want it to end up becoming an exceptional attachment order where they can enter my property, frankly I don't have much and really don't want to lose anything.
Any advice would be appreciated, thanks!