alawabidingcitizen
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Posts
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Hi, I received this letter today from Northampton CC. States: "By the court of its own motion It is ordered that the judgement dated * Oct 2013 be and is hereby set aside as a defence was processed by the CCBC before judgement was ordered" For the record my partial defence was that I believe excessive charges,penalties and interest were charged whilst I was in financial difficulty and that it would have a negative impact on me starting a business with my wife,I also mentioned that DLC would not accept a settlement offer that I was offered before before Alpins legal action. So can I have more advice please, do I still need to reply with a N245 or any other form or just wait now for a hearing
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HI Andy, I didnt have or supply a figure for charges and penalties etc, I presumed statements etc would be present at a small claims court hearing. Where do I obtain a N245 and are what are the time limits? Thanks
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I stated my I and E on the court papers, is this taken into account? And how do I get hold of a N245 ? Thanks
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Hi Andy, would a repayment plan be based on my income,would the court decide or could Alpins ask for an unreasonable that I cannot afford ? Would it be worth me challenging the ccj, no doubt I have been charged fees in the past and myself and my wife are in financial difficulty due to another solicitors error that has put me in debt.
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Thanks Andy, I am in a mess with this then, I cannot physically pay what the court is asking, how should I proceed ? Please............
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Well i cannot work this out, I received a letter from HM courts dated 8-10-2013 acknowledging receipt of my partial defence and then today received a "judgement for claimant" letter stating that I have not replied to the claim form. I have just called Northampton courts and they said the judgement should not have been sent? And that they will contact me within 2 days after an enquiry. The judgement asks for immediate payment of the 3000.00 debt and 187.00 costs, an impossible task to achieve ! Any possible explanations would be appreciated. Thanks
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Thanks citizenB, I have filled in the blue court forms and returned them to Northampton court, I have stated on the forms the valid reasons for my debts and that I made HIllesdens a offer of settlement when the court forms were received by me and that Alpins would only consider accepting the full amount now.
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Hello again I disputed part of this claim as I know that various fees and costs would have been charged, I have just received a notice of default sums as below. 00/10/2013. Litigation cost (debtor) debit 20.00 Because I am in financial difficulty can they legally do this ? I guess I will meet HIllesden securities and Alpins in court soon, any suggestions on how I should I proceed ? THANKS AGAIN
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Hi. I have always made token payments to both capital one and Hillesden and still continue to do so, I don't like the idea of it going to a local court. Are ccj's mentioned in the local tabloids.
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I haven't checked any of our debts for PPI and don't know if any of them have been miss sold, I didn't think it would be a good idea reviving these debts with my creditors when they are currently leaving me alone, does it make a difference with their attitude and actions ? This card with the CCJ problem was with Capital one would have many charges against it I presume before they accepted token payments, I obtained the card in 2004 Is it worth me contacting all our creditors, could I use these charges as a defence against the debt or should I consider a partial defence ? Thanks Thanks Thanks
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If I was to defend this claim, what could/would be my defence ? would it incur more court costs ? should I attend the hearing in Northampton ?
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What ground would I have to deny this ?, it's on my credit file, I am concerned that one CCJ will start the ball rolling on our other joint debts, we have a plan to settle them but it will be a few months before we can do it. So annoying, If I had all the solicitors fees back from a legal problem where my local solicitor sent wrong lease paperwork to a property auction I would not owe anyone a penny, dealing with solicitors is not a good thing for me, saying that....... are any solicitors recommended on here who could help with this CCJ problem that I have ?
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That was quick, Thank you. I do not deny the debt but curious why I had no notification of this action from Alpins before the court notification arrived, is it worth challenging the paperwork that they have on file or should I just send an I and E form to court so they can see I have no excess money to pay larger repayments at the moment, I have a larger joint debt of 20k with Lloyds, I guess that takes priority ? All my debts were occurred through bad luck with a local solicitor sending the wrong lease to a property auction, then I was sued for miss-representation, It's been a bad previous 5 years for us.
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Thanks so much for the above............ What should my course of action be before 7th October ?, Do you mean pre court negotiations with Alpins, they don't want to do a deal, should I acknowledge and admit everything online with my offer details explained ? do I need to ask alpins for more details/send them a letter of some sort. Again THANKS
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Hi, Should I agree to everything on the blue court form? Thanks
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