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  1. Ok Andy thanks for the help i will get back to you tomorrow
  2. That's correct. The reason that the judgment letter stood out was. A, It was in a brown envelope that looks official B. I hadn't seen any post for my son for ages. so if i had arrived at mine in late november as the court told him, I would have clearly noticed.
  3. I Am not sure. I won't get to speak to him until late to day, as he is on nights. so can i ask the two outcomes. 1/ yes he did many years ago before moving. or 2 No he didn't, because he believed he paid it off and cut up the card.
  4. I need some help with trying to set aside a judgement. My son has has just received a judgement against him in the post. but it came to my address. My son hasn't lived at my address for around 10 years and has lived at 3 other address at since. just to point out he gets very little mail, if any at all coming to my house. he has not received any court papers otherwise he would have dealt with it. he has contacted the court to find out it was a Debt for, as he has no knowledge of the debt. it turns out it is a credit card that he had he had over 8 years ago which he believes he paid off over 5/6 years ago he cut up the card. because he was saving up to get married and remove temptation. He has just recently got a mortgage from a building society and nothing came back in the credit search. Otherwise the Building society would have pulled him up about it. He checked his online credit score last night and it came back as 998. Due to his job, he works funny hours he has asked me to help deal with this. I have called the debt collection company and asked can i have all the paperwork, contract, default notice etc, so he can try to sort this out and they said no. he will have to apply to the courts because they have already got the judgement. It has been a long time since i have done anything like this,. so I could do with a running start to jog the old grey cells. so what would be his best course of action and defence be? I look forward to hearing from you all.
  5. It's great to be back, I need some fresh legal advice, and the only place to go is here  

  6. I have been asked a good question by a friend. M&S near us have now introduced a 4 hour free parking, using Parking Eyes as the administrator. But they share’s this car park with 2 other large stores, Tesco and outfit. *This is a massive car park and people use it park and walk to work, There are no options for all day parking, The bays are not marked with any floor paint indicating whose bay they belong to Tesco or M&S etc. PS. To be fair to my friend she use M&S most days to get her lunch. So her question is, there are no parking sings on the entrance that she uses to get on to the car park is she still labile if they put a ticket on the car. My question is what are the laws on signage on car parks?
  7. My friend has just called me because someone has told him that because his son has used his dad address to register his business they can force entry although its a private dwelling. he said that he didn't know that the business was registered at his address only that the business mail came to his house because his son stays there a few nights a week. he thought it was because it was easier to pick up his mail while he was there.
  8. My friend has just got a bailiff final notice letter through his door on Monday but it is for his son. Or should I say, His son business. His sons registered business address is at his dads’ home. So, I have assured him that as long as you don’t open the door the bailiff cannot enter your property as it is a private dwelling belonging to him and not his son and they cannot drill the locks either, it’s just a bluff to get you to open the door and pay someone else debt The final notice just says client XXXXX borough council. For the value of £423. I have spoken to the son who has no recollection of anything form the council or anything from the courts. Now heres is the thing. It only take a second to enter the sons company name in google to see where his work place is but to get to his unit they would have to cross over someone else land. His dad is worried that they may go to this unit and take his work tools which would stop him from working and earning a living. While they sort this out. His sons company is limited business. Both are very nervous of calling the bailiff so I have offered to call on their behalf. But some help from you guys would be great, the more knowledge I have the better. It says on the notice they will be back one morning this week. The normal BS to remove goods. Since it’s the council it’s either a parking ticket or business rates. His rates are paid by DD so it must be parking ticket. He is happy to pay for a parking ticket but they have added there fees on top. what is the best way of getting this back to the original charge assuming it is a ticket.
  9. The DCA is 1st credit. They bought the debt. They took me to court, the judge sided with them, they got the judgement. so to stop them applying for a warrant for control of goods and bailiffs knocking at my door for my wife's sake, I have offered them verbally a £50.00 a month they want me to fill in one of their financial statements first before they will consider my offer. obviously it to see if they can get more out of me than what i have offered. i just want to know what they are intilted to as far as the information and the paper work proof i may have to provide to them. and what i dont have to provide just because they have ask for it. I also wanted to know do i have to change things to suit them. like i am a member of a decent gym and pay £60 a month i dont smoke, but I like to work out can they insist on any cut backs to get more money. I can not get any straighter than that.
  10. A debt collection company bought the debt off the Halifax and they took me to court and won. Either I set up payment plan or wait for the bailiffs or they go after my wages and I lose my job. and be assured my job would go. I am trying to find out how much are they entitled to as far as the information I have to provide, also do I have to change things like cutting back so as to pay them can they force things like this. I am completely in the dark, so I need some help
  11. They are asking for evidence to support my Financial statement. how much documentation are they entitled to ? what do i have to provide them. can you help. Thanks
  12. I had been fighting a credit card debt since Dec 2013 due to losing my job after selling it on to a DCA back in 2014 they decide now to take me to court. let’s just say the judge was not on my side i got my pants pulled down and duly spanked. now i have to sort out some repayment plan. I was wondering what i can claim for, for example i go to a good gym I do amateur dramatics and raise money for charity, my son and his wife do clay pigeon shooting as a hobble and they have got me going with them as a family outing, so will I have to give these up to pay the DCA
  13. your 100% right DX I got the wrong end of the stick. while at work i nip on the forum in between jobs, i should have read the post more clearly i thought this was your own form that you supply into a DCA instead of filling out there forms, it is for you to work out your own incoming and outgoings
  14. I recently lost a court case and the DCA got judgement for around 5.5k i dont have this kind of money, so i offered to set up a payment plan. I made them a offer Of x amount but they wont except anything until i fill in a financial statement which rubs me up the wrong way but they have the judgement i guess i have to play ball to a point. i have a few question i need help with. They have asked for my wife earning, where i work etc Do i have to include her earning since the debt is not hers and that is her private information and she may not wish it to be given. also at this point do i have to provide my employer at this stage of the game. i know if they contact them that's my job down the road. also do i have to sign it ? If i am a member of a gym do i have to join a cheaper gym or give up on some of my Hobbies and interests to accommodate the amount they think is fair if they dont except my offer.
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