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mr1967

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About mr1967

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  1. Could you drop the text of your letter here - sounds like just the thing I need!!
  2. I have offered to make up the payments and asked if we can continue with the arrangement but have been told they will proceed with the claim. At this stage we still have a few days to submit a defence, so if we can pay the balance are we currently liable for nursery fees or the interest and costs that have been added.?
  3. We received court papers for £407.10 owed on nursery fees. We have an arrangement with Redwoods of £40 per month but missed payment for Oct and Nov. No warnings from Redwoods, but we received court papers with the school as the creditor and C W Harwood as the address to send documents and payments to. Total bill is now £638.64 because of interest and solicitors fees. How should we respond given that we are still in an arrangement? Should we contact the school, Redwoods or Harwoods? Do we need to send an SAR to see who is who?
  4. Hi, we got a response back from the school and thankfully they have agreed to our proposed payment plan and have confirmed that they will take no further action against us. Many thanks to everyone who has offered advice.
  5. Thanks Mould, so should I send this letter to the school even though they haven't yet responded to my original offer? Also, the 21 days on the SD is up on Friday 15th - do I need to respond to the court or do anything in that regard?
  6. The contract with the school was basically fees paid at the start of each term or monthly via term time credit. Notice period was one term. Not sure that we have a lot of scope to argue anything here...
  7. I attached a letter to an email and sent it to the school on Monday (4th) with a copy to Redwoods. I have not received a response yet, but here is the text: Dear Sir/Madam, Proposal ofpayment We are aware that we owe a substantial amount to the school and that this has accrued over a considerable period of time. The reason for this debt is directly related to mywork situation. As you are aware, we had a flawless payment record from 2003 -2009 but with the onset of the credit crunch, my income as a mortgage brokerstarted to reduce at an alarming rate from 2009 onwards. We kept the school updated during this time and the School allowed us to keep our children inattendance, for which we are very grateful. Since 2009 we have tried to get back on track with our finances through our own businesses and a variety of jobs, but we have not been able to get to a position where we have been able to cover even basic costs and have only been able to make token payments to the school alongthe way. In an effort to show our willingness to resolve the matter, we offered a voluntary charge on our property, but this was declined by our mortgage lender because of the way they measure the value of properties throughout the UK. I hope you can see by our willingness to secure this debt on our property that we have been serious about trying to resolve the matter and have not just ignored it. We are aware that we need to come to a mutually acceptable agreement to repay the debt we owe to the school and avoid any further legal action. The effects of bankruptcy on our family are obvious and because of our other creditors, it is likely that the Schoolwould only recover a small proportion of the full amount we owe if we were made bankrupt. I have spoken to xxx from Redwoods and he said he would put forward our offer to you for consideration. We have made an offer of £150 for the next 3 months with a review after 3months. This offer is based on the fact that I have been offered and have accepted a new job as a mortgage broker,starting on 12th November 2013. This is the first time in 4 years that I have been offered such a job from a company that actually has the processes and financial backing to ensure that its employees succeed. There are currently 18 mortgage advisers working for this company earning between £35k and £135k per year, and having carefully considered this company and how they operate, both the director of the company and I see no reason why my income would not bewith in this range. If as I hope and expect, I would be in a position to start making substantial payments to clear this level of debt. I would propose payments of £300 per month from months 3 to 6 with a view to reviewing this every 6 months. Mrs (Headmistress) and Mrs (Bursar) have known our family for many years and know that we are genuine in our intentions. We have not run away from this debt and are not looking to pay less than the full amount. If bankruptcy is pursued, my research shows that this will not be in the financial interest of the school, whereas if our proposal is accepted, the school can be repaid in full, albeit over a longer period oftime. Please consider this proposal and letme know if you find it acceptable. Yours sincerely, Mr1967 I haven't received a response from the school or Redwoods yet. Also the 21 days of the SD runs out on 15th November - do I need to fill out any court forms or just wait for a response and hope and pray we can move forward with a mutually acceptable arrangement? Thanks, Mr1967
  8. Just spoke to a solicitor who specialises in getting statutory demands set aside. Although he sees no legal basis to get it set aside, he offered to send a letter to Redwoods with a payment proposal and to point out to them in strong terms that they would only get pence in the £ if they did proceed with bankruptcy. He seems to think £300-£500 is a reasonable proposal and said that when he was on the other side of the fence, working for private schools, they nearly always accepted £500 per month for a debt of this size. He also said not to offer a voluntary charge at this stage. The down side is I don't have £550 + VAT to enlist his services. Anybody got any thoughts on if this is something I can do myself?
  9. Well. I've got legal advice and sent over SD paperwork for them to assess IF they can help or not. Redwoods are telling me the school will probably accept £2,000 per month, but this is way over the odds. Just hoping there is a legal angle or negotiation to put us onto a manageable payment plan and stop all bankruptcy proceedings dead.
  10. How is this going? I have also received an SD for school fees and am trying to find a solution: http://www.consumeractiongroup.co.uk/forum/showthread.php?407383-Statutory-Demand-received-but-already-have-repossession-order-help&p=4382658#post4382658
  11. Yes - I have been involved in social media for 3 years but have just been offered a job to return to FS as a mortgage broker (still self-employed) in 2 weeks. Ironically I will now have to disclose this SD which may jeopardise my new job..
  12. Income expenditure would be quite tricky because my income varies (hence the reason for this mess). I have family who would make initial payments until my income was sufficient to do so. In effect payments could be made (subject to the amount) but if an inc/exp is needed, the figures may not add up.
  13. so the first thing is to try to arrange a payment plan? I assume they will want me to pay more than I can realistically afford but I suppose it is this or bankruptcy! Is it likely they will want the voluntary charge to secure the payments?
  14. Could the lender refuse a second charge if they didn't feel there was enough equity in the property?
  15. I thought a voluntary charge had to be agreed by the mortgage lender and could only be entered into only if the lender was happy with it?
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