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  1. Hi Dx my words where on the application notice "may i ask the court for a time order under s129 and to freeze interest and charges accusing on the debt under s136 in consequence" The judge didn't do this she just suspended the warrant and then Covid happened, an update is that I have had a phone call from the court and I have a face to face hearing tomorrow @12pm bearing this in mind how do you think I should deal with the judge tomorrow what is the best outcome for me considering the circumstances. Best R69
  2. Hi I know this seems last minute dot.com but I was dealing with Black Horse through the courts prior to Covid, they issued a warrant and I managed to get it suspended and then covid happened and I didn't hear from them again until a few weeks ago telling me to take the car back. I wrote back to them and offered a fair repayment plan and explained my situation, i didn't hear back from them and then I got a warrant delivered by a Bailiff 2 weeks ago, the warrant is for me to pay back the loan in full plus costs which there are not any, if I don't then the Bailiff will collect the car @730am tomorrow the 9th April and levy my house for Costs. I emailed the court and attached an N245 form and a witness statement to try and get the warrant suspended this was over a week ago, I didn't hear anything back so emailed again I have also phoned the enquiry line and they said that there has been no updates, I emailed again and marked urgent today I phoned the enquiry line and they told me to go to the court which i did. When I got there the security told me that I had to make an appointment or email them or call them. I handed him my documentation but he said that this has to go via the post box so I had to go and buy an envelope and hand wrote everything on the front asking them to call me. I still have not heard anything and I really just want to know where i stand in this situation as it is worrying the hell out of me I have suffered a lot with mental health and I am worried what this will do to me. Thank you for any help
  3. Thank you HB your first post just came through the links are great thank you. My problem is my landlord is using the excuse that because they are based overseas these benefits don’t apply to them I just want to go back to them with a polite but factual response.
  4. Thank you I have already started that process the universal credit housing costs won’t even cover half the rent and as you know this process takes a long time. I am also pretty sure my landlords have a UK mortgage as they used to live in the house we now rent from them if this is the case would they be entitled to the same rights even though they are based over seas now?
  5. Sorry for the long winded title !! I am a private tenant in the Uk and have never missed a payment, I recently lost my job due to the Coronavirus and I asked my landlord if he could get a 3 month payment holiday to help us out. He has come back and told me that as they are non uk residents they don’t get the same rights. I just want to know if this is true please ? Surely if his mortgage is with a UK bank or building society he should be able to get a payment holiday regardless of where they live ? any help or advise would be much appreciated. Thank you
  6. Hi I have just received a judgement of delivery of goods order this isn’t a surprise as this has been going on for some time now what I am surprised about is the fact that this is the 3rd hearing and one which I wasn’t aware of. The creditor is black horse and I missed almost 8 months of payments due to redundancy and Ill heath, despite being back employed and trying to negotiate with Black horse they took me to court which they had to as I had paid nearly half of the loan back. Twice I have been to court and twice black horse didn’t turn up much to the judges dismay and typically they turned up to this one. I honestly wasn’t aware of the new date otherwise I would of been there for sure as I wanted to get my facts across for the judge for what ever reason I never received a letter from the court with the new date and also nothing from black horse. The judgement is now saying that I have to return the vehicle by the 25th of November is there anything I can do to at least get my point across to the judge ? thank you
  7. That’s exactly what happened BA when i asked for some time to check my rights I went indoors and quickly Googled the information i had to hand and when I confronted them they said they are high court officers and have more rights than a normal bailiff and I was wasting there fckin time and got his phone to call the police. I knew that they couldn’t do this but I felt so intimidated and my children where getting upset and scared I just gave in.
  8. Thank you BA I will hold off sending anything back to them until I have received this from you. BR
  9. Thank you BA I have emailed them and I got a response telling me that I have 14 days to submit any more evidence, photos etc. If you can add anything I will send it across to them. Best Regards
  10. I have but it comes up with all the high court enforcement companies is there anything specific I should be looking for ?
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