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Cloverfield

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  1. I read that you can include all CCJ's in one application - saving money on fees and making just one monthly payment. Irrelevant as total debt has to be below £5k. Husband earns more than the threshold, so I didn't qualify for help with the fee. I followed the advice given here and sent the form and fee last week. I got a call on yesterday to say that as soon as the cheque clears, the application will be processed. In the meantime, he said he would make sure that the bailiffs were aware my son was autistic and would ask them not to visit. I don't know if that will actual
  2. Back at it this morning. It doesn't ask for copies on the form, just wondered if it may when they receives the form. Out of my £286.65 monthly income from CA, my outgoings are £285ish. I can tweak that a little so I've offered £5 per month. I haven't put anything in the "others living in my home give me" section, as my husband just pays for everything. Is that right? I'll enclose a cheque for the £50 fee, and it asks if I can pay anything off the ccj - should I enclose a cheque for £5 too? Is that also payable to the court or Cabot? Thanks for your help so f
  3. I've just had a look at the EX160 form and it doesn't look like I'm exempt from the fee as I don't get UC, IS or ESA. It asks for my income (not to include Carer's Allowance), so there'd be nothing to put in that section - in which case it's asking for my husband's income - he earns over the threshold they mention, so there's no point. I'll just ask him to pay the fee if and when the variation is successful (if that's how it works). Thanks Anydorch for the link to the trust register. I'll look at that tomorrow. I haven't even filled out N245 entirely - I'm feeling a little overwhel
  4. I pay £50 per month to CT arrears so I'll list that in priority debts. I only have details of one CCJ (this one) and Northants couldn't tell me about the others as I don't have case/claim numbers. Does this mean I'll have to check my credit report? I've been reluctant to do that as it will definitely alert any other creditors to me, and so far they've just been fishing. Can I just sort out each CCJ as they crop up instead? At least I'll know what to do and how to fill in the forms.. I know you can bundle CCJ's together if they are less than £5k, but mine are over that amount.
  5. So, first few of many questions - no doubt. It asked about current account (whether overdrawn or in credit) - it's in credit by £68, so I've put that (Carers allowance went in yesterday). Then it's asking about savings accounts. Now, I do have one which hubby transfers savings into - approx £400. Do I put that? I don't want to say I don't have one, but it's not my money that goes in. Should I open a savings account in husbands name? It was easier to pay it in to mine as I had one open already. Next stumbling block, it asks about rent, CT, utilities, water, food, clothin
  6. Ok, I'll print the forms off now and start filling them in. I'm hoping to not need much assistance with it, as I don't want to bog the thread down with 'unhelpful to others' stuff.
  7. I called the Northants bulk office, but I was in queue position 31, and after 20 mins, only got down to 23! I didn't have the time to hang on as I was helping my husband at work. Instead, I called the county court enforcement office dealing with the Warrant of control. A helpful lady found the CCJ and told me it was Cabot for an original debt with New Day.. I don't know who New Day are, but presumed they may have been a parent company for the credit card. I explained I wanted to apply for a variation but she said , as I didn't recognise the name, I should get in touch with them and
  8. Hi again and thanks for the links. I've looked at the form and I have to list expenses - obviously as I only get £64 per week, it's fairly obvious I wouldn't be able to afford the rent, council tax, food and bills without listing my husband's income. Isn't that going to be a problem? I'm not actually sure how to fill this in without it looking contradictory.
  9. Hello and thanks for replying. I'm trying to be calm and rational but it's not so easy! I may not have been clear as I was on a bit of a ramble but the ccj's were issued while I was at my old address. I stupidly chose to ignore them and of course, they followed me to my new address. There's no bailiff name - it's a notice of issue of warrant of control from county court - creditor is named as Cabot financial. I know I'm on a low income but won't they still want to know about husband's income? I only get carers allowance and no tax credits etc, so t
  10. Hello. I've got myself in a bit of trouble today I received a warrant of control in the post. I'm in debt with credit cards about 2 years ago, I became unable to continue paying my bills so I just stopped and put all letters that arrived in the bin. Burying my head in the sand has done me no favours obviously, I have 2 ccj's, each for about 4k. There are other debts but these are the only ones to apply for a ccj so far. I only opened this letter because it had a local court name stamped on the envelope. I married shortly after I
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