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Prosperous1

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  1. I donÂ’t know why I didnÂ’t contest it, I made a feeble attempt with the help of another and managed to get a stay of execution, couldn't muster the follow through for some reason. That's why I haven't visited banana, I felt I let them down, we have been struggling financially since our business ceased trading, we weren't making mega bucks during those 14 years of self sufficiency either, we ticked along and paid our way, employed rolls since have paid far less meaning a fire fighting approach to bill payments, utilities, mortgage, etc. My current roll pays better, pound of flesh employment but better pay. Im in a mess with Her Majesty, (I'm having a Renaissance. I lately and have plucked up the phone to HMRC who have agreed to reduce the £4000 odd in fines to £1750, provided I do a self assessment for 15/16, always had an accountant and fail badly without any admin support, and debt letters keep on coming, Ashley Longmann Debt Management we were making regular payments to creditors on our behalf, they went bust, or changed names, or something, also, the list of creditors on their statements were unrecognizable to my wife and I. We were happier not to pay them, and thought they were very amateurish in their overall methods. I would like to know where to start on tackling our debts, but yes That's correct, failed to comply to judgement order.
  2. Regarding Cabot/ Reston’s What if they don’t accept my offer? Will I have to contact the money claims department for a copy of the original order showing £50pm CCJ order, as proof, possibly shredded my end, (painful, lol), which I couldn’t pay at that time?
  3. Notice of Issue of Warrant of Control You are welcome to a photo of the Doc. Reference my visit Friday afternoon 19 November 18, courts were closed at 3pm. I was advised of a drop box for depositing any court forms. I returned to the court office today, where I paid a £50 fee, cost of N245 appeal process. The warrant is temporarily suspended while Cabot are contacted to agree or not to my proposal of £60.00 pm.
  4. Thanks Newport County court bailiffs, don’t think their a small business gang, not sure. CCJ info to follow.
  5. Would you please advise us how to have a go back at the vultures? What to send off like an SAR form, not sure enough to follow up on but would be grateful for action plan ideas.
  6. Thanks by the way sorry for your loss. Time has elapsed since I failed to defend the CCJ and charging order, (debt in my name). Our Home jointly owned. Ignored paying the £50 CCJ due to lack of funds. Notice came through of impending Baliff action, rang baliff, who advised contacting Cabot and to make sure we could afford the amount arranged regularly. We made ourselves do an Ins and Outs on an A4. Following that we rang Cabot who weren’t home but Mr O Brian now from Reston’s was, who had our file to hand. I think he manipulated our figures which in hindsight was ambiguous to say the least, suggesting we can afford £380 a moth. Yesterday I went into the local court offices,and posted in their drop box a completed form N245, to stave off the he baliff visit and offer £60 per month. I have a rake of old personal debts stressing me and Mrs out over the last 8 yrs or more since 39 year old business ceased trading, I could afford at that time. Have taken so many **** poor paying jobs and finally have landed a salary and commission job. Just finished paying the arrears on the Paratus, now want to use that to pay our way out of ****, finally. Thanks
  7. No clue how to send a pm link, is there an idiots guide on here anywhere? When they first snaked that CCJ into me, I never had 50 pence never mind £50 squid That’s why ! Can the Baliff levy my hire car? Is there anyone other than Reston’s, eg the County Court who I can contact to arrange payment plan? Thanks so much most sincerely Donuts to follow. Like I said in my dribble I recorded the conversation if anyone wants to hear it, may save a life!
  8. back after letting the red mist descend on Reston’s CaBOTs. Finally after years in financial purgatory, and a looming threat of a Baliff looking for levers, I raise my head to make small financial amends, only to get shafted by Mr.Cool Hand, I’ll ask all the questions and control the conversation, what I say you can afford to pay me, otherwise I’ll set the dogs on you. I take this abuse of privacy, with a spirit of willingness to accept my situation, move on from the finacial debarcle my family suffered at the hands of HSBC, Nat West and later the incompetence of Lloyds Bank commercial mortgage dept, so this patronising verbal volitioner can dictate how my wife and I can spend the pittance we now have remaining following the successful clearance of our mortgage arrears, arrears that have periodically accrued during the last 6-7 yrs during our pursuit of gainful employment, you can imaging what a nightmare it has been from the financial suffering all to familiar when in a lot of cases peoples means to repay are shafted by the economy and the cut backs to essential services. I have recorded last nights attempt to start a repayment plan with Cabot / Reston’s, a number recommended I call by the Baliff office in my town. if I came to agreement they can hold off for 5 days, the wife is bricking it, her brain works better under stress than mind, even though I have stuarded our ship always, last night she had some questions to ask a Mr O’Brian which surprised me a lot, we both have about £30 K of unsecured personal debt, my wife’s being a lot less than mine, our debt management company Ashley Longmann let us down, never corresponding or advising, just taking the money, we didnt know what we owed and to who, the list was bigger than we had a clue who the people were representing and paying nominal amounts to admittedly, on their statements. Finding work and earning enough to keep the wolf from the door and pay the debts we have found an im****aabollity, we persevered all the same. Can they clamp my works hire car from Europcar? Do we have time to send a N125 form in, by the way we offered £100 a month and he said based on what we told him we could afford £380 per month, that’s when I started to lose it a lot, languages and all, sadly. The CCJ was for £50 we offered £100, he said his clients interest would be acceptable to that amount. its recorded if it could be used to help customers realise there is no way forward speaking with these types, they just wind you up with patronising questions to embarrassing to discuss with the heads of debating classes. Kind Regards Prosperous1 (Phil) He said his clients wouldn’t be accepting the amount offered of£100 pm He estimated we had £400 left over from our bills, he wanted us to £380 a month, leaving us with £20 per month. Any advise would be much appreciated.
  9. I’ll split or donate to this site if I get Help getting away from Foundation Home Loans Need help to sort unsecured debts and an attachment order from Halifax credit card debt from 11 years ago, plus CCJ, I now think it’s all sum mountable....
  10. Was re-mortgaged to GMAC’s LIBOR rate 25 years ago, what can I do if anything? I was recently approached by a company who said there was a good chance we’d overpaid interest on our mortgage, 10 months later I rang them to find out wtf, sorry no probs with your mortgage, after sending them our passports and ID, the people originally dealing with us have no finished working there,gone, now called Foundation Home Loans, Paratus, formally GMAC.
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