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Jayne777

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About Jayne777

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  1. Thank you so much. I will get That all sorted tomorrow morning!
  2. Hi ive been trying to sort out my finances over the last couple of years. I’ve had a debt with Lowell that I went to court with and won, and now I have 2 debts left with Lowell which I’m ignoring u TIL they do something more (I hope that’s the right thing to do). I also had an npower issue which I’ve just got a tomlin order for with help from here (thank you!) But, now I have a huge Lloyd’s overdraft. My situation is that I’ve not been working for about 8 years due to childcare costs meaning that It would literally have cost me to work. My husband works full time. I have been
  3. Hiya i just wanted to say thank you again for all your help with this. My tomlin order is about set up I think! I’m sure this is the best possible outcome I could have got from this. Thank you x
  4. I’ve just received an email saying they’ve accepted my offer of repayment and have attached a Tomlin Order for me to sign and return. I’m shocked as I made a really low offer expecting them to come back and negotiate a higher amount and they haven’t. I fully expect my finances to improve in about a years time, and I’d told them this.. They have put this bit in though which worries me, does this mean that they can demand higher payments from me in a year? What if I can’t afford what they want? Will they automatically get a ccj? And what if I forget to sub
  5. Thank you. she was adamant I was to put without prejudice at the top, I shouldn’t do that either should I?
  6. I phoned their solicitor and requested a tomlin order. They said they’re open to it, how much was I offering and on what amount. I said the full amount without interest. She said I had to fill in an income and expenditure form and then she’d mention it to npower and see what they said , but she said they’d be unlikely to agree to the amount less interest and at a low figure, which I don’t know what kind of figure they’d be looking at but it’s limited how much I can offer at the moment. Am I right to fill in the i and e form? And was I right to offer with
  7. Thank you for your help again x how do I go about getting a tomlin order? I’ve read up a bit on them And I think I understand them. I think that’s my best option. I don’t dispute I owe them a fair sum of money, and I can’t prove anything against them to reduce the amount and the stress of this is making me ill
  8. I honestly don’t know. I don’t know what to do. I think the amount is ludicrously high, but I don’t see how I can argue it either. I object to them adding interest to it as well, but I don’t think I have a legal argument against that either. I just don’t know. the income and expenditure sheet was attached to the copy of the email they sent me in feb 2018, which is when they sent me I and E form first time. I don’t think it’s meant for me now. I’m so worried about doing the wrong thing. They have lied about a few things within that, but I doubt any of it would make any difference in
  9. I’ve attached most of the documents that they sent and hope I’ve redacted all my info. I had to leave out some bits as it was too large to upload. The bits I’ve left out that they also sent are copies of lots more bills, I’ve included some. Also there were lots of sheets, mainly in code from when they state they came to read the metre. These and the solicitors letter says I refused them access to read the metre, this is absolutely not true, the metres were at the back of the garage that we used for storage, and once that I remember he said it was too full to get through, it wasn’t
  10. It said that they have to file or confirm with the court by 17th, and that they have done. and that I have to respond with to them within 7 days of the date of the letter, which is actually 4th, they sent me an email saying that the date on the letter should be 11th, but that they’re aware that they sent me an email but the attachments were too large so I didn’t receive it, they’ve sent me a paper copy of what they’d sent through. do I even have a defence? I’m so confused. I don’t doubt that I owe something, but just not that
  11. Could someone please help me? ive received a reply from the solicitors and I don’t really understand it and I have no idea how to respond. It’s pages and pages long, but if I can work out how to redact my info from it and I post it up could someone please helpe? Its dated 11th and says I have to reply by the 18th, so Thursday. I’m so worried. Theyve refuted every point I made in my defence. They’ve sent copies of lots of bills, and said a few things which simply aren’t true but I don’t think they’re important things. They’ve said that I refused
  12. ok! I will add in the dates and submit it now. I really can't thank you enough for your help x
  13. Thank you so much. This is brilliant, and a lot of help, thank you! Just one thing, do I need to mention that I didn't get a default notice or does that not matter with this? x
  14. Thank you so much Is the 14th the right date, that I have until then to file it? X
  15. Hiya i thought I was sorted with my defence, I was just going to post it up here, but I thought it was ok, then when I've come to post it here and hope that you'd check it I realised I'd messed up, as its from the solicitors of npower and the debt hasn't been sold. I've had another go but I'm not sure I'm right with this, would you have a look at it for me please? Also, if its due on the 14th, I was going to submit it today or tomorrow, is that right? I've been waiting too to see if I do get the documents I've requested but I haven't received them. I thought they would
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