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Everything posted by DilysFiller

  1. Thanks. I am just looking at their form online and it's horrendously invasive. Way more than I think the court form was. They want how many dependents I have (which doesn't take into account a child over 18 but in higher education so we still have them as dependents. It also asks and this I really dislike how much our house was at purchase and now etc. Can I refuse that? I'm also struggling to price things like dentistry, hobbies. Stationery, house repairs, vet bills, hairdressing. What on earth do people put as cost for those? Haircuts aren't a monthly thing for us and how can you budget for some of the others? I'm so scared the bailiff will turn up tomorrow. This is making me ill. I expect to pay back the debt but they are asking way too much and will not she any compassion that I was late due to a bereavement. I'm happy to set up a direct debit and pay off the debt but at a sensible amount as we are such low income. Could I also ask for help composing the letter? Would the following work - Dear Sir/Madam Reference: Earlier this year we completed a N245 form and asked for a suspension of the warrant regarding the above claim. We completed an income and expenditure form and offered to make a payment of £xx.xx per month, which we knew we could just about manage. We were granted a suspension but at a high figure which we did query but were told it was down to Restons to agree if we required a lower amount. At first we managed to pay the amount but in September our mortgage went up at the same time our benefits went down. The drop in income is now making it harder for us to pay the higher amount. I am writing to ask if it would be possible for the court to grant a further variation due to the above and return the amount to £xx. Xx per month which we believe is more manageable, pursuant to CPR40. 9A (2) and 40.9A(3b). In addition we received news that a very close relative was terminally ill and due to having to nurse them and deal with their subsequent death we were behind on recent payments. Although we have now cleared all arrears Restons solicitors have been granted the removal of the suspension. We would ask the court to???
  2. Yes and I can't quite remember the wording but it was something like having reviewed our I and E Reston wanted it set at the higher amount and the court agreed. Which seemed stupid as we clearly have nothing left to offer and in fact since then our mortgage has gone u too. The court woman said if we didn't think it was acceptable we should tsk t Reston again. Great...
  3. Thank you for your reply. I can't remember the number but it was to suspend the order and arrange a monthly plan. The court suspended the warrant and agreed the monthly figure. Although it was higher than I had asked for. I didn't defend it because they had already obtained it by the time I found out about it.
  4. Hi So long story short - Had a Vanquis credit card on which the credit limit just kept going up. As we were on low incomes the debt gradually went up and up and we ended up owing about 3500. Cabot took over the debt and began chasing, eventually it seems Reston got it and the next thing we knew they had gotten a warrant of execution. We managed to get that suspended by filing in whatever form it was. We offered an amount per month but the court agreed a figure around 20 per month higher. Manageable or only just if I'm honest. I was paying over the phone but a close relative was unexpectedly diagnosed seriously ill and subsequently died recently and I've missed a couple of payments because I was at the hospice endlessly and in a state. No excuse I know but there you go. I had a letter from the court to say they will now execute the warrant and a bailiff will call. I called Reston to explain and paid the missing payments over the phone. They say they would consider a repayment plan but now want a I and e form. Completed again before they will consider it. I'm trying to pull the figures together ASAP but now I've had a letter from the court today saying a bailiff could call as early as tomorrow. Please help. Can I do anything? I can just afford to pay the amount they got per month and will set up a direct debit but will they agree or is it too late? Do I fill in the I and e form. Or are they just fishing for more cash
  5. No we don't smoke, drink or do anything really so there was no overspending. Because there genuinely is no spare cash with a family of five.
  6. No I didn't want to speak to them until I'd had some advice. I was so shellshocked as it's double what we offered.
  7. Hi I was wondering if you have any ideas what my next step should be? Many thanks
  8. Bumping for support please? What should I do now?
  9. I've heard back and thought the creditor didn't accept My offer the court has suspended the order as long as I pay £56 a month! So double what I offered. Can they just so that? My I & E clearly showed I don't have that kind of money
  10. I'm pretty sure there were lots of charges towards the end. But as its already been ccj'd would I have any comeback?
  11. Yes, I've allowed myself £20 in there under housekeeping. I want to explain to them that I hope this will eventually go up once I'm well enough to find full time work again. Even if they could accept this for the first few months.
  12. Sorry you mean you think there is less than 50% chance they will agree to it? What should I do then?
  13. £29 and that is pretty much taking every spare penny after bills and living. As we are trying to get back on our feet. As my health improves I hope to find more hours of work but now this is it. I'm guessing they will turn it down?
  14. I've put all income and total family expenditure which isn't leaving much, but I've been honest with my figures. I've offered everything that's spare. I just hope it's enough.
  15. I'm completing the N245 and getting confused. In income I've put my salary, I also get child benefit and small tax credit but my daughter is about to finish college so this amount will drop soon. So 1 - do I put current or new amount. 2- it says "others in my home give me" so do I include spouse income? There is nowhere else to put the spouse income but if I don't list that then what do I put for outgoing so as they are the bigger earner Thanks
  16. But if I have to pay by Monday or they will send out a bailiff and the court don't get the letter until Monday, will someone turn up in the meantime? There is no way I'd put my daughter through answering the door and talking about this to anyone, she's only young. Are they likely to grant me a monthly plan? It's the only way I could pay it back.
  17. That's good to hear, I assumed they would try to break in. The problem as well is I'd likely be at work so the only person home would be my teenage daughter and it would terrify her.
  18. Thank you for the form. I assume I have to print it off but then what? I don't live anywhere near Worthing. How would I get this there by Monday
  19. We get a bit of children tax credit but we wouldn't fall into a low enough category for any help I don't think. I have to get a N245 into the court by Monday I assume. the letter is dated 14th June but I've only received it today. So I don't think I have time to go into asking for account details, would I?
  20. Sorry for the short notice and need for help, a family medical emergency kept me away from and I've arrived back to a letter from Worthing County Court. The court have issued a Notice of Issue of Warrant of Control over a debt with Creditor of Cabot Financial. After total panic I've done some searching through my papers and the following is as brief an account as I can give of what I think has happened. Several years ago we had financial troubles and got a credit card (Vanquis) which gradually crept up and up with them constantly increasing the credit limit. It ended up at about £3400. When our problems spiralled I buried my head in the sand and didn't pay. Move forward a few years, not over 6, I and others were being bullied by a boss. The stress of this caused me to become extremely ill with stress and depression. It was going through the Union and looked favourable that I would get helped but events illy my mental health was so bad I just quite the job and the union case just to put an end to it. During this time I am ashamed to admit I pretty much became a recluse and stopped functioning. I suspect at some point around then Vanquis sold the debt to Cabot, who got a CCJ. There is probably paperwork, I don't have any to hand and I didn't go to court. With sheer force of will, I somehow managed to get well again. It's been slow going but in March I was finally able to return to a job part time, money is tight but I'm gradually paying off any debts that happened. But now I am terrified that next week the court will send in bailiffs over this debt which the stigma and stress of, is surely going to send me back into oblivion. It says I can go for a N245 form? I want to do this but need help. I want time to pay back every penny, but it won't be masses of £ at once as I simply can't do it. What can I do?
  21. Hi Andy, Thanks for such a quick reply. The link came up as a forbidden page but I'll have a Google and see if I can find what you mean. So if I find this form, I send it to the courts or to the solicitor chasing me? Do you thin a repayment plan of £10 per month would be enough to halt things for now?
  22. Hi I am in a bit of a mess and would like some help if possible. I have a very old loan of around £7000 which a ccj was gotten on some time ago. Due to other issues I had forgotten about it until recently. Unfortunately the solicitors are now looking to take enforcement action. I know I need to pay this off, but money has been tight. I realise I need to start paying something however I currently have mortgage arrears, water arrears and other current bills to pay. Additionally I have been signed off work for weeks now with stress. I could afford £10 a month for now, do you think this would work until I can get my health and other bills sorted. I don't want to ring them to discuss it so would be looking to write to them. any help appreciated with the amount or what to write.
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