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isbo

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About isbo

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  1. OK. Expected as much. No need for a SAR, wouldn't achieve anything at all other than waste time, and energy. It wouldn't rewind this judgement. Yes, I did move, yes, there is recognition of the debt, and no they have never written to me. The onus is on them to tell me BEFORE a judgement is entered. Rightly or wrongly. I'll appoint solicitors, thanks, you can close the thread.
  2. Thanks. It tells me it was started and then paid for a while, then I stopped and never restarted. I’ve heard nothing from them for years.
  3. Ok thanks, yes they’ve obviously done that trick in post six then, grrr.
  4. It’s from the credit report I did for a mortgage that I discovered it.
  5. Thank you very much. Yes I very much share the tiny screen frustration with you. Ok, it definitely isn’t from this or my last three addresses, that’s for sure. It appears to be from when my world came crashing down in 2013, three moves ago. Nobody has written to me here, and we’ve been here for 19 months. I’d guess and say a store account or credit card in origin. Once upon a time I was in full control, earnt decent money and didn’t work 6 days a week. When I fell ill I lost everything...
  6. Yes I did. See post of their reply and my initial email. None has been forthcoming. So what next in the absence of that, is kind of what I meant...
  7. I see you've edited my response to "N245" from that which you posted "N2245", now I can research the correct form.
  8. Where's the Claim Form? What is this? Is this what they SHOULD have sent me, but I've never received? Reason is I had no idea this was being taken to court. How can a CCJ being issued, with no warning whatsoever trump ANYTHING? What's N245? The debt? Who are these people?
  9. OK, glad to hear it's standard. But this fee?! Am I at risk of throwing good money after bad here? May I ask for some help with completing N244?
  10. So after 16 days I've had a response, please see below. I'd love some advice as to what to do - £255 court fee?!?! Good Afternoon Thank you for your email, unfortunately we are unable to reproduce a copy of the original claim form but have provided the claimant information, particulars of claim and post judgment options below. Claimant: LOWELL PORTFOLIO I LTD Claimant’s solicitor: COHEN CRAMER SOLICITORS (7402) Telephone: 0113 887 8861 Reference: 252/6xxxx Particulars of Claim the claim is for the sum of £1239.18 due by the defendant under an agreement regulated by the consumer credit act 1974 for a jd williams account with an account reference of c60xxxxx the defendant failed to maintain contractual payments required by the agreement and a default notice was served under s.87(1) of the consumer credit act 1974 which has not been complied with. the debt was legally assigned to the claimant on 31/mar/2014, notice of which has been given to the defendant. the claim includes statutory interest under s.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £99.13 the claimant claims the sum of £1338.31 What do I do if I want to pay the Judgment now? All payments towards the Judgment should be sent direct to the claimants solicitors, or if they have no solicitors, directly to the claimant. The court cannot accept payments. If you do choose to pay this judgment or have already paid, you will need to forward the court a letter from the claimant or their solicitors stating that the judgment has been settled and the date of final payment. Please note that this letter must include the case / claim number printed as part of the original letter. Judgments paid within one month of the date of judgment can be marked as cancelled and removed from your credit history. Any judgments paid after the first month can be marked as satisfied, but remain on your credit report for six years from the date Judgment was entered. After you have paid the Judgment, if you would like to apply for a certificate of satisfaction or cancellation, a court sealed document confirming the amended status of the judgment, please send a cheque or postal order for £15.00, made payable to HMCTS, along with the proof of payment from the claimant or their solicitors. What do I do if I cannot afford to pay? If you are unable to pay your Judgment you can apply to pay by instalments using the N245 ‘Application for variation of an order’ form. This form can be downloaded. Copies of the form can also be provided via post on request. Please read the enclosed guidance notes thoroughly before sending an application to the court as incorrectly completed applications will be returned to you. There is a £50.00 court fee to process the application, payable by cheque or postal order to HMCTS. If you cannot afford to pay this fee you can check if you are eligible for help with court fees by referring to the EX160 Help with fees form and EX160A Help with fees guidance, which can be downloaded at www.justice.gov.uk/forms or provided on request. You can also apply for ‘Help with Fees’ online. To do this you will firstly need to log into https://www.gov.uk/get-help-with-court-fees. You will then need to follow the on screen instructions inputting your name, address, NI number, etc. Once you have completed the online form you will be given an ‘HwF’ reference number, you will need to clearly note this on your application form(s). Please note that the online process will only generate an ‘HwF’ reference number and will not tell you whether or not you are actually eligible for Help with Fees. Please note, all payments towards the Judgment should be sent direct to the claimants solicitors, or if they have no solicitors, directly to the claimant. The court cannot accept payments. Can I appeal against the Judgment? If you think that a Judgment has been entered against you incorrectly and you would like to remove it you can apply to set the Judgment aside using the N244 ‘Application Notice’. This form can be downloaded. Copies of the form can also be provided via post on request. Please read the enclosed guidance notes thoroughly before sending the application to the court as incorrectly completed applications will be returned to you. There is a £255.00 court fee to process the application, payable by cheque or postal order to HMCTS. If you cannot afford to pay this fee you can check if you are eligible for help with court fees by referring to the EX160 Help with fees form and EX160A Help with fees guidance, which can be downloaded at www.justice.gov.uk/forms or provided on request. You can also apply for ‘Help with Fees’ online. To do this you will firstly need to log into https://www.gov.uk/get-help-with-court-fees. You will then need to follow the on screen instructions inputting your name, address, NI number, etc. Once you have completed the online form you will be given an ‘HwF’ reference number, you will need to clearly note this on your application form(s). Please note that the online process will only generate an ‘HwF’ reference number and will not tell you whether or not you are actually eligible for Help with Fees. Please note, an application to set the Judgment aside is not automatically granted. The outcome of your application is at the discretion of a Deputy District Judge or a court appointed Legal Advisor. If you require any further information please contact our helpdesk on the number above. Alternatively you can email us at ccbc@hmcts.gsi.gov.uk; Please ensure that you state the above case number in the subject heading of your email. Regards, Darren Lyon CAPS,TEC & Money Claim On Line Administrative Officer County Court Business Centre | HMCTS | St Katharines House | 21-27 St Katharines Street | Northampton | NN1 2LH Web: http://www.gov.uk/hmcts http://www.moneyclaim.gov.uk/web/mcol/welcome If you are a claimant please click here for our Money Claim Online User Guide which includes detailed and useful information about all aspects of your claim progression. CCBC: 0300 123 1056 | MCOL: 0300 123 1057 | CAPS: 0300 123 1058 | TEC: 0300 123 1059
  11. You did well there London. This was attached to the holding reply, for further use of other folks that need it: Help the CCBC help you by filing your electronic Court documents correctly This will ensure your work is processed in an efficient and timely manner. To be sent by email With the Subject heading Send to email address Claim Responses Claim Responses Complete Online at: www.moneyclaim.gov.uk/ Directions questionnaire Directions questionnaire ccbcaq@hmcts.gsi.gov.uk All Fee paid Applications (N244, draft orders etc) Applications ccbcfees@hmcts.gsi.gov.uk Certificate of service Certificate of service ccbc@hmcts.gsi.gov.uk Determination Judgments Judgment ccbc@hmcts.gsi.gov.uk Address changes Address changes ccbc@hmcts.gsi.gov.uk Intention to proceed Intention to proceed ccbc@hmcts.gsi.gov.uk Request for copy of Judgment Copy Judgment ccbc@hmcts.gsi.gov.uk General correspondence Claim number only (e.g 1AA23456) ccbc@hmcts.gsi.gov.uk Paid in full Paid in full Complete Online at: www.moneyclaim.gov.uk/ Thank You.
  12. The one for the bulk, the one to use, is the last and dead one dx.
  13. Like you say, worst case scenario I’ll pay the money, and that’s clearly how they roll the dice.
  14. Thanks. The one our friend dx links to is the dead un. London me old China, thanks for the support, much appreciated and just the tonic after a mega bad day.
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