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liverbird37

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About liverbird37

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  1. I will do...will have to get daughter to help me do it tomorrow at son point if that's ok. I'm on my Mobil at the moment and she is the tech savy one, but will definitely get that done for you. Do I need to block any personal info out ?
  2. Yes, the solicitor representing Cabot bought in a wad of papers that included letters sent demanding payments, a photocopy of a credit agreement that they had filled all my details in on and signed, but it wasn't dated. I have a copy of this. They also had a piece of paper with an excel style table on it filled in with items allegedly purchased, but with no details of where these goods were sent, no delivery reciepts/signatures, no details of any payments made on this account so that I could trace the perpetrator. It looked like it had been printed up the night before. I had requested on 4 occasions all info relating to the debt but they never provided any. The first hearing in July to which they didn't attend and was adjourned, they presented no info at all. The documents they had Monday were submitted to the court 3 days prior, and that was because the Judge demanded the info I requested be sent. I got a copy of the details of what happened at adjourned case. It felt very much like they'd deliberately not been forthcoming knowing full well it would drop them in it. I expected them to turn up fully armed which would have helped clear my name. Cabots solicitor spoke to me before going in and I asked her if she had the more specific account info so it could be determined if it was linked to the fraud on my account. She informed me Cabot never keep that kind of info on file due to security issues. The Judge gave her a severe dressing down for the "inadequate preparation of the case" I have copies of all the papers along with around 50 pages of examples of legal cases where judges had made errors, that the solicitor had attached relevant to granting set asides. Not sure the approach of questioning the judges legal capacity went down too well. I am expecting fully they will continue it to trial, but also fully confident they will not be successful with this. The trainee solicitor who prepared all of Cabots paperwork for court was a Laura Hannam of DrysdenFairfax
  3. I have finally got an update on this case. Was due to be heard in court in July but the courts kindly adjourned until today as was hospitalised. Cabot did not send a representative for the first hearing in July, but I was really shocked to discover one sitting in the court when I arrived this morning...wasn't expecting anyone to attend for Cabot. For anyone else in the same position I was in then please don't be afraid of the process, or let anyone intimidate you to back down. The Judge was very nice and made me feel at ease. Cabot's only defence was that they felt I'd not done enough to prove the debt wasn't mine, and that the courts acted illegally by allowing me to file for the set aside because they felt I was filing it to be malicious. I did everything you all advised and took every copy of every letter sent disputing the debt and copy of unanswered SAR. The claimant turned up with a copy of a credit agreement they'd signed themselves and that was it. The judge granted my set aside within minutes of being in the room. The claimant was also after £510 in charges which to the representatives anger was also thrown out. I have filled out the paperwork in case it goes to trial and have also submitted a counterclaim for costs and expenses incurred. A great result and am so happy I had the conviction and courage to go ahead and fight this alleged debt. I had to come back and update because without all the amazing help, time and advice you all gave me then it most likely wouldn't even have got to the N244 stage. Without you guys I would never have had a clue how to deal with this situation. You gave me the tools to win this case and I can't even begin to say how grateful I am for all your kindness. I truly would have been lost and £745 poorer. I will be making a donation to the site as a way of showing my gratitude. I have two weeks to submit my defence paperwork in case it goes to trial. Cabot I adamant I have no hope of winning but the Judge told her that he'd be surprised if I didn't. Can progress with this with confidence now. Thank you Thank you Thank you
  4. Just an update....forms were received by courts (bailiffs submitted the email copies for me & I posted to be on safe side) Application made to set decision aside and has been accepted by court. Hearing will take place end of July. Have had no further letters or contact from bailiffs thankfully. Am hoping that someone from Cabot will turn up & have to prove who took this debt out and when. Just have to keep fingers crossed for a successful outcome now. Am incredibly grateful for all the time and effort you have all so kindly given to me. I can sleep at night now
  5. Ok, so I've emailed a PDF signed N224 and EX160 to the bailiffs, but who do I send to to submit the application ? Can't find an email address for Romford county court other Tha the bailiffs one. How do I ensure this email I received by the correct dept ?
  6. I can't thank you all enough for all your help & support. Still feeling really scared over this, but there's nothing can be done until Monday so will not answer door if they turn up at weekend. I contacted the bailiff who insisted I wasn't to submit the N244 by post or email. He insisted that it had to be done before Saturday & in person. I explained health etc & that I need someone to drive me to which he replied get the bus. I told him I'm on immune suppressant meds, & that & many other health implications means public transport isn't possible. He told me enforcement would go ahead as id made no effort to get to court. I have told him I will only converse with him via text, email, or letter to keep a record of proof of things said. This I was told was being obstructive. What I want to know is, am I informed if he gets a warrant to force entry so I can contest, or can he do it keeping all knowledge of vulnerability from judge. If I submit the N244 online, can I still take paper evidence to court hearing ? I have never had a catalogue account, but do have proof of evidence of fraud on my bank account from bank so think this may be linked in some way. Will they turn up at the hearing so I can get them to finally answer questions of who took out account, what catalogue, signed agreement etc. Surely they need to prove an agreement was made. Turns out that after contacting Northampton County Court, my defence form was not received by them. They mentioned "no defence submitted" My stupid fault for not sending recorded.
  7. He said it had to be done in person....is that not correct then ?
  8. I have tried calling him but no answer as yet. If he says that Monday is out of time, & therefore he will proceed to trying to get into house, will the courts still accept the N244 form, or does this have to be done within the 5 days ? Absolutely no way of getting there before & don't have any money to get a cab. Only friend I can borrow from is the one who's on holiday.
  9. No no one has been round to house yet.The letter implies he can get access when he likes, even if I'm not there. So scared, as I can't get anyone to take me to the court until Monday & the letter received today was dated April 4th so will pass the 5 days
  10. Well now I'm really scared. Spent morning in absolute tears. I contacted bailiffs & sent proof of vulnerability ie: Disability, single parent, on ESA, kids under 16 present in property on their own & that I was applying to get judgement set aside. Today I received another letter from bailiffs. This is exactly what is written on letter. YOU HAVE 5 DAYS TO PAY OR WE WILL THEN ARRANGE TRANSPORT TO REMOVE YOUR GOODS. "The warrant against you REMAINS UNPAID despite several requests of payment at your address. Unless full payment is received into court WITHIN 5 DAYS then permission will be sought from the district judge to enter your property and seize goods of any description to be sold at public auction in sufficient quantity to cover the sum above. Plus the additional cost which will be incurred in their removal. BE ADVISED THIS ACTION WILL TAKE PLACE IN YOUR ABSENCE In addition, he has handwritten a note on the top of the page which says the following " I have taken into account your health as stated in your letter, but this will have not have, or make any difference to enforcement of the warrant. The application to be set aside needs to be made in person. Forms must not be sent by post. I can't get to the court until Monday as need someone to drive me as am not able to drive at the moment due to the levels of Morphine I'm on. My closest friend I away at the moment and can't help me until then. Public transport is not an option as am really sick, & due to the disabilities I have, am unable to stand on two buses for an hour. I can't sleep, and have been in constant tears. If it was a small amount I'd just pay to ease my stress & upset despite the debt not being mine, but £422 I don't even have goods of that value. My son who is 14yrs brings himself home from school, whilst myself & my friend pick my daughter up from college. He will be absolutely terrified on his own. I really am now genuinely extremely frightened & upset. I thought they had to take vulnerability issues into effect. I have no way of knowing when they will break in so no way of knowing when to keep son out of the house. This is terrifying.
  11. Letters initially came from caboot...or something extremely like that. Could have been Cahoot. I contacted them by phone & told them I disputed debt. I also requested all evidence of account be sent to me, such as catalogue name, date opened, signature on agreement etc. I heard nothing more for over a year. Thought they'd realised they'd made an error so thought no more of it. I then received a white form from Northampton County Court with hearing date & defence form. Was unable to attend due to major health problems, so filled in enclosed defence form disputing debt, mentioned calls to caboot requesting info on account and copy of signed credit agreement, and that the company never sent these details. The form was then sent back to Northampton CC as it specified on form I was to do. Then received letter saying judgement made against me, given a CCJ & ordered to pay up nearly £500 by a certain date. No breakdown of costs on any of the court letters or letters from caboot. I phoned Caboot stating I was still disputing debt & refusing to pay for something I'm not responsible for. They warned me that bailiffs would be sent if I didn't pay and put phone down on me. The next I hear is a letter with warrant of control of goods. White letter, envelope had Romford CC address on back. Warrant didn't have much on it. Nothing on back at all. Just had court issuing details and the amount owing to be paid in 7 days or goods will be seized. A small box saying bailiffs office, no name, but a telephone number which was also a Romford one. No breakdown of costs. Amount outstanding only. I can call them on Tuesday and see if I can fax a letter from my doctor. I'm a single parent on ESA, High rate DLA and Mid rate Care DLA. I'm not sure it'll do much good as they seem to ignore the vulnerability issue, but I'll try. I have a disabled bay outside my house and car, but the car is a Motability one so believe they can't touch that, but may move it anyway just in case. There is no way of them getting into the house at all, but my 15yr old son is occasionally at home on his own for half an hour or so while I'm picking up daughter from college. I am grateful for everyone's help very much. I will update on what the bailiffs say when I call them on Tuesday morning. Thank you once again.
  12. Need some urgent advice on how to proceed. Received letters from catalogue company regarding a debt I allegedly had with them. Asked for them to send me evidence of a signed agreement to prove, as have never had any catalogue accounts. Never received any of this, or any further correspondence recently when they sent a court order letter asking me to attend. Due to severe mobility issues, & being on heavy Opiates means I'm unable to drive, I was unable to attend. I did fill in the defence form, wasn't too concerned as knew they'd most likely have to prove I signed an agreement which I most definitely haven't. The court issued a CCJ against me & ordered me to pay nearly £500 They also now have sent me today a warrant of control of goods which expires on 29th !! Giving me no Time to act . I am classed as vulnerable due to my disabilities & many health issues. I can get a letter from GP to prove this. Is there any way I can get bailiff action stopped ? Seems wrong that even though I disputed debt that they were able to get a CCJ when I've never signed any kind of consumer credit agreement. Surely they should have had to prove that I did at court. Need advice on what forms to fill out and how to deal with bailiffs when they arrive. I have no goods of any value anyway, but am certainly not paying a debt I've not accrued.
  13. Just checked my account online & I only have £66 in installments left to pay, but they have added on £120 costs to the account so it looks like I can't only pay outstanding balance so I'm screwed for £120 costs as well. Lesson to all reading this, don't be two days late paying your council tax. I now have to find a payday loan of £186 as cant ask neighbour. How can they charge so much court fees it's so wrong.
  14. Hi all, I'm currently out of work & on ESA. I have had a court date letter sent to me from Council Tax dept as I made my last monthly payment a few days late. I have to pay £22 liability towards my Council tax, and on occasions have had some difficulty finding the money to pay it, but I've always paid up despite the difficulties. My payments are made on the 15th of each month & both September & August were made a few days late. I was sent a letter in August stating that as I was late paying, that I could no longer pay in installments, & had to pay the whole remainder of bill which I was unable to do. I contacted the relevant dept & explained my situation but was told "sorry there's nothing we can do, you now have to pay the full bill in 7 days. I have no funds to do so, but continued to pay the installments of £22 as required. I am not in any arrears but have now received a court letter demanding the full amount be paid plus £120 court costs on top. I am shocked & angry at the costs added. They know I am struggling to pay the £22 never mind the extra £120. I want to check with you knowledgable people if advice given today is correct or not. I have been offered the outstanding CT of £110 as a loan by my neighbour, & phoned to ask the council if the bill was paid before the court date if I'd still be liable for the £120 charges. I was advised that even if the CT was cleared, I'd still have to stump up the £120 costs. Is this correct ? If so, is there any way I can get this paid back at a low rate of say £1 a week. It seems so unfair that I have to pay this, as after all, I'm not in arrears, but just made two instalments a couple of days late. Would be incredibly grateful for any help. The council if it assists is Barking & Dagenham & they are not offering any help, advice, or showed any compassion or kindness I any way when I contacted them. I've no idea how I'm going to pay costs & loan back to neighbour.
  15. Well That has answered it for me thank you kindly I was going by my assessment centre in Romford which would have been May for reassessment, but my postcode is 22nd of June. I got VERY lucky there, as received the form on 21st of June (early considering award runs out Nov) Phew !!!
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