I have just received an Application for Attachment of Earnings Order from Peterborough Court with Welcome Financial Services Ltd as Judgement Creditor. However, I don't know this company, have never heard of them until now and they say I owe them £5188.10! Surely they should at least have the decency to contact me before to detail how they think I owe this money? I got to say the form is very scruffy and poorly photocopied, can this be a [problem]? Will try and call the court concerned to verify this, and at the same time contact Citizens Advice. Any Advice?

Hi, I'm hoping someone can give me some advice on how to handle this latter. This last week, I've recieved a Notice of Application for Attachment of Earnings Order. It appears, Hillesden Securities Ltd obtained a CCJ against me back in 2011 without my knowledge. I don't know what this debt is for and I've no recollection of receiving court papers for this CCJ and therfore I was unable to submit a defence. I was living at the address on the CCJ at the time (I am not any more). I want to find out what this supposed debt is, whether it has been properly executed and whether the CCJ is valid or if I have grounds to ask for it to be set aside. I need to submit the N56 form promptly, but how would I go about requesting that the court hold off issuing an order until I have ascertained whether I can get this CCJ set aside? Having a Attachment of Earnings order may well affect my job. Also, my partner is in receipt of DLA. I note that the N56 asks if she earns a wage, but appears to only ask about benefit and also expenses if they are mine. Obviously, DLA is specifically paid to help cover the expenses of dealing with a disability, so I don't wan't this included in calculations of income. Your help would be greatly appreciated! Thanks! Further to this, it seems that: The default amount was for £5872 The CCJ is for £6192 They want £6452.02 now Can this be right?

Cabot purchased an old (circa 2010) credit card debt/default from RBS. A few months ago, having sent all communications to an address I left over a year ago, they won a CCJ as I had no idea this was in progress. Court has now sent me the attachment of earnings form ( this was handed to my old neighbours who I've kept in contact with , by the occupiers of my old house (rented property) as they noticed 'it looked legal'. That's how it got to me. The "must return by date" was 17th March but due to sending to my old address I didn't actually get it till 19th March. I returned it first class the same day as I didn't fancy 14 days in prison .. . which was the warning written boldly on the form as penalty for not returning. I did include a letter explaining why it was late as they had used an old address. My situation. I'm 63, self employed but haven't worked for over 2 years. I manage to live on an old occupational pension ... not exactly a huge amount but I can go out once in a blue moon so not quite on the bread line. I don't own a home .. rent takes up a big slug of my monthly pension money. I read somewhere there can't be an Attachment if you are self employed. It still said I had to complete the form even if unemployed. When I filled in the form my outgoings were same as income .. . however I assume most people filling in these forms will try to max their outgoings and I've no doubt court knows this. Any idea what happens next. I certainly can't afford any real big payments .. . if it was a few £'s per month I'd manage . .. but debt is over £5k, so I doubt they'd go for a few £'s per month. I have precious few assets . .. a 14 yr old car with over 200,000 miles on clock (worth about £500) is perhaps my biggest asset. Will the bailifs come knocking. Any advice or information would be most welcome.

I received a letter from Boston County Court asking me to fill in an earnings declaration as Arrow/Carter had applied for an attachment to earnings on a ccj that they apparently obtained in 2010. I have no Knowledge of this and have not entered into any correspondence with them regarding this 'ever'. What do i do?????? PS as i was away it has already gone past the 8 day deadline that the court gave, i did try to call the court on Friday but couldn't speak to anyone. Also i am self employed

In November an innocuous query was raised on this forum from a debtor whose council tax arrears were being collected under a Council Tax Attachment of Earnings Order and the debtor asked whether bailiff fees could be added to the debt. At the time...the answer provided to the debtor was that fees could be added. Unfortunately, within 24 hours the thread attracted personal abuse from ‘new’ members to the forum complaining that the advice was wrong and that fees cannot be added and that paying the council direct meant that bailiff fees had ‘died’ (which is untrue). The extraordinary level of personal abuse against individuals on here from these ‘internet trolls’ led to posters being banned from this forum and threads closed. In fact the same subject was debated on the LB forum and that too came under dreadful attack from the same ‘internet trolls’ (who proudly boasted of their new found skills on their own forum). To sum up the importance of this subject one of the individuals responsible stated that despite what the regulations may say about bailiff fees he would continue advising debtors to: "Fight it all the way"... "Make it as hard as possible for the bailiffs to get paid" and: "Prolong the money reaching council's bank accounts". Since that time the subject matter of Attachment of Earnings has been debated privately with members of this forum and I stated on the thread that I would not post anything further until I had received responses to my enquiries on this subject....which I am now doing.

Hi I've been working hard for the past year trying to set myself up in business as a sole trader, and finally I think I might have got my foot in the door with a very important client that could secure me maybe even a minimum liveable income for potentially life. I have some questions. From the perspective of the benefits I currently am in receipt of, ie. working tax credits and housing benefit, can I take some of the money from what I'm paid and put it back into my company? What do I keep aside for the tax thieves, 20%? Or should I save 30% to cover myself? Is there any where on the internet or elsewhere i can find out a rough idea of how much money I should negotiate? I don't want to over or under, just a little over the going rate and not too much that I turn them away. Do these things tend to work like they do on the telly?

Hi All. .Hope this is in the right forum but need some advice on a HP Agreement on a written off car. Got HP on a car back in June, car written off two weeks later insurance refusing to pay out ( still in dispute ) and now keep getting calls from Advantage Finance who want updates regarding the insurance. I explained it is still ongoing and one of their operators today told me as the car is written off/scrapped unless I gve then an update within two weeks they may consider going to court for a CCJ ..but obviously want to work with me on this. I am still paying their monthy payment by Direct Debit no defaults etc I have about two years left to run and £3000 left to pay. Now i have been on these forums long enough to know what hot air and threats these muppets are like but in terms of the law can they take me to court for breach of contract as they state as part of the terms I should have been insured. On a sideline regarding the insurance I took it out on the morning before leaving for work then had accident an hour later, insurance say policy started on that date but not that time as policy had not gone into force then , so my documents state that day but show a time of about 2 hrs later hence my dispute. .Where do I stand regarding the HP agreement ?

The response to the following question has just been posted on the what do they know website https://www.whatdotheyknow.com/request/240747/response/596521/attach/3/FOI%203463.pdf Do your appointed enforcement agencies (bailiffs) have the authority to initiate attachment of earning procedures on accounts passed to them for enforcement, or do they have to pass them back to the authority in order for them to take this alternative enforcement method. If the EA do have this facility is it true that the amount of the order will include the sum remaining on the order plus any fees due to them when the AOE is applied (the amount outstanding) If the bailiff passes the account back to the authority because the enforcement was unsuccessful and subsequently the authority issues an attachment of earnings, will the sum applied to the AOE include the bailiff fees, or will it just be for the amount due on the original order The response is 1. The Local Authorities (contracting out of billing, collection and Enforcement Functions Order) enables Authorities to authorise a contractor to exercise certain functions in connection with the collection and enforcement of Council Tax. Included among these functions are those of making an attachment of earnings order with a view to securing payment of Council Tax and serving it on a person who appears to have a debtor in his employment. 2. Regulation 37 of the Council Tax Administration and Enforcement regulations 1992 (as amended) permits the recovery of the balance outstanding under any liability order plus accrued bailiff charges under schedule 5 and any accrued costs of committal proceedings. The Enforcement Agents therefore have the statutory powers to recover fees accrued through an attachment of earnings order 3. If Enforcement Agent fees remain outstanding then the Authority may recover any fees due under the legislation detailed at point 2. I make no comment at this point

Hi all, I am in urgent need of some advice regarding an AOE order my partner received yesterday (15/11/14) dated 13/11/14. The amount claimed is over £16k plus £100 issue fee. The judgement creditor is Royal Bank of Scotland, and payments are requested to be sent to Drydens LTD T/AS Dryden Fairfax Solicitors. First of all this has knocked us for six and we're now in full panic mode. As there are threats of prison on the letter. To our knowledge we have no idea what this is about, having spent the rest of the day researching I have discovered, through use of the Trust online website, that the AOE has been made in light of a CCJ being issued at Northampton CCBC on the 02/09/09 in her absence. First of all she was never made aware of any court action as the address the CCJ is registered is a very old address that she left in August 2008 after giving birth to her our daughter and to escape the threats of an abusive ex partner. I believe she entered into voluntary repossession and returned to keys to the mortgage lender, in any case, she left the property and it was repossessed. Until Saturday she has not heard anything about this debt. She tells me she did have a loan and separate overdraft with Royal Bank of Scotland but is convinced that the two combined are nowhere near the amount being claimed. I am at a loss as to what to do here, and the default option seems to be that the court has the power to take, based on her current income, 17% of her monthly wage, and order her employer to do that. This would cause our family a severe hardship and it's likely that the amount claimed is not the amount she owes so she could be paying a lot of money for a long time when we don't even know if and how much she really owes. What do we do? I am to phone the National Debtline tomorrow on her behalf to get advice and I am going to send a CCA request to Drydens asking for the original agreements and a statement of account. I believe can take up to 12+2 days if they reply at all. The court has given us 8 days to reply so we are short on time. I've read that we could try and get the CCJ set aside, but this costs £155 and may not be successful without a good reason? Please, any help would be appreciated. Regards

Hi all, i'm desperate for some help! about 2 years ago I received a letter from HFO services to say that I owed £6k+ from an old Welcome loan. (included interest/fees etc) They threatened me with baliffs etc unless I set up an agreement. I made it very clear that the amount they were stating seems very high in comparison to original amounts I borrowed (which I think were around £1,000-£2,000). Bear in mind that the loan was from around 2005. Under duress I set up a plan for £50 per month but told them that I still wanted to see the original agreement. 2-3mths pass (still making payments to them) and I decide to stop paying as I still hadn't received any documents to support their claim of the above amount. Needless to say, I received another call to ask why i'd stopped paying... I explained that I wasn't happy with the amount they were claiming I owed and was told that they had requested this, but they didn't need to, they had all of the original amounts in front of them, and that if I didn't start making payments again, they were resume court proceedings etc. I started paying again. Again, a few mths passed and I hadn't heard anything so stopped paying again. Then a Claimform arrives for the full amount of over £6,000 I had no option other than to complete the affordability request and offer of payment (again, £50 per mth). This was accepted and I have had an attachment of earnings ever since. This has been on for over 1 year now. On the claim form, I included a long letter explaining pretty much the above story on requesting documents etc. There isn't a month goes by without me wondering if I have done the right thing. Clearly, I did not attend the CCJ hearing (if there was one), and now the A.O.E. is in place, I cannot stop paying as my employer will not remove without the Court requesting them to do so. My questions to anyone on here would be: 1) How on earth were they allowed to apply for a CCJ and/or A.O.E. without proof of the original loan amount? 2) I have tried Googling for ways to contact HFO Services, yet cannot find anything, does anyone know if they even still exist. (If they don't, who am I paying every month?!) 3) Have they broken any rules based on what I have explained? I had an argument with someone over the phone at HFO that I felt that I was being held ransom as they rang me and told me I owed them £6k+ but they didn't even have to prove it! Now I have an A.O.E. I feel totally trapped! I would really appreciate it if anyone can offer any advice or if anyone has been in a similar position or could advise what I could possibly do??? MANY THANKS!

Hi All, I hope someone can help. My partner & I share a house together. The house, mortgage & council tax bills are in her name. She did pay the council tax until she fell into arrears. I eventually discovered the issue & added my name to the bill in 2011. I have paid the bill ever since. Today I received a letter from the council advising me that they have sent an attachment of earning letter to my employer with just my name on it. It states that in 2010 they applied to the court for a liability order against the property and they are now looking to claim back the 2010/11 payments (£1800). Since then we haven't made any attempt to clear off the arrears so they have used the powers given to them by the order to apply for an attachment of earnings. I was aware of the LO but as the letter regarding this wasn't in my name I didn't receive them. I just assumed that this was now attached to the property & will sit there until the property was sold. Two things don't sit correctly with me. Firstly, My name was not on the charging order. Can they really apply an attachment of earning to my employer if my name wasn't even on the bill at the time? Secondly, My partners name is not mentioned anywhere on the letter? Surely this AOE request should be in my partners name not mine? I hope this makes sense?

Is it correct that an attachment of earnings will be dismissed if the person is unemployed and on jobseekers, or can they take from you benefit, thanks

Hi all, After a long drawn out saga it's got to the point I feel I need to look for advice regarding Council Tax arrears, and money owed to North Lanarkshire Council for the year 2013/14. Long story short, after coming into hardship in September last year we fell behind on Council Tax and a Summary Warrant was produced for the arrears. We contacted the Council and set up a payment plan for the remaining balance which was around £770, including the statutory 10% penalty fee. All was well for a couple of months but we again began to struggle to the point we missed a payment and almost immediately a Charge For Payment was delivered by the Sheriff Officer along with a charge of £102 for his services. Great. But business as usual. We then contacted Charles Anderson who were pursuing the debt on behalf of NLC and paid them a minimum of £30 per month for three months as we were told as long as we made regular payments to the balance there would be no further action. Our fault for not requesting a payment plan set out in writing, lesson learned again, but after making three successive payments of £40, £30 and £40 (all we could afford at the time) an Earnings Arrestment Schedule was produced based on the arrears of the Summary Warrant from September, reflecting payments we made to NLC after the SW, the payments we made to Charles Anderson, the Sheriff's costs and another £70 charge for the Earnings Arrestment. The total due under the schedule stands at £560. All sounds pretty straight forward, arrears dealt with by a debt collector followed by a batch Summary Warrant, Charge for Payment and finally Earnings Arrestment, seems pretty by the book. What confuses matters is our Council Tax bill for that year was in dispute as my partner is registered disabled with a genetic condition she's had since birth. The arrears were ongoing and we tried our hardest to continue to make payments while the bill was in dispute. On June 24th, a day after the Earnings Arrestment was produced, NLC produced a revised bill for the 2013/14 year which included a Disabled Relief adjustment and said "reason for amendment: change of banding", meaning they sent us a revised bill with a total of £110.59 still outstanding (which by the way, if we'd have had settled months ago when all this was going on, we could have probably stretched and paid off instead of dealing with debt collectors, but that's a side note) Having contacted Charles Anderson on Friday last week, they said they would contact NLC to get the issue resolved. I figured this meant the bill was going to be adjusted, but how wrong could i be? They emailed me today to say they have spoken with NLC who confirmed, all payments so far taken into account, the amount outstanding is £110.59. They also said as a result, the Earnings Arrestment would still stand and they would enforce it with a view to reclaim the arrears and their fees. Can someone please explain to me how this works? We're off to speak with CAB on Wednesday on my next day off, but in the mean time, how can they enforce a Summary Warrant based on arrears that NLC has now confirmed in writing through their adjusted bill for the year was, in fact, wrong? Since our amount paid up to the date the Summary Warrant hasn't changed, and the Council Tax bill was amended and the Disabled Relief backdated to the start of the year, the SW therefore reflects an incorrect amount, the 10% penalty would also be wrong based on the original arrears, and the Charge for Payment and Earnings Arrestment were based on the Summary Warrant. Charles Anderson are yet to reply to me questioning what their fees consist of, as surely they can't confirm the change in arrears and still enforce the Earnings Arrestment for £560? And if they did, surely that would imply their fees would have to make up the difference between the £110.59 both they and NLC have confirmed are the arrears and the £560 they seek through the Earnings Arrestment? Tearing my hair out over this one. My understanding is that the Summary Warrant should be deemed void as the Council have backdated the Disabled Relief and effectively shot themselves in the collective feet? I hope someone who knows more than me can explain this to me, and my legal position. I'm not in any way trying to avoid paying the arrears, I am however unhappy about the fact that Charles Anderson still want my work to pay them £560 based on the original outstanding arrears of £400, which has now been confirmed to be wrong. Help please

Didn't know where to post this but how many attachment of earnings can you have at once at the minute i have two in place but a 3rd one has been added today is there a limit? Also how do the rates work paying these of if you have 3 in place? we earn around £950 a month £950 month i seem to lose on one attachment £101 on my 2nd attachment around £50

ok all thought i would ask for some help after the successes of my PPI fight this is a bit different went to work today and was called into the wages office and informed that a Direct Earnings Attachment for £1500 or so had been received for a overpayment of some benefits going back some time i started to panic and then the wages clerk noticed the address was not mine but the DOB and name and national insurance number was correct to cut to the chase i had never lived at that address and have never had any coraspondance or phone calls about this the wages clerk rang the DWP explaining the facts and was told it was a very old debt that had to be repaid so just to put things on hold i asked my wages clerk to ask how old and they would not say then said i should ring them so thats the question i will ring them and what should i say and what not thanks in advance

I searched CAG for this but couldn't find anything. What is the ECHR view on the collection of council tax through earnings arrestment etc? I ask because the arrestment on my wages equates to just 10% of my gross pay. I'm effectively paying double the rate of income tax. This is causing severe financial hardship for my family, resulting in further debt, denying my children food in their mouths and clothes on their backs. The arrestment only has a couple of months to go so there is light at the end of the tunnel, but the levels of arrestment are far too high in my view.

Hi am not against this happen because the issue will be out of our hands but my question is how much would a water board take from an attachment of earning if the court issue it? amount owed £546 pound? wage earning a month £855

Hi everyone, last june i took out a payday loan with the above company, well actually a number of companies, following a break up with my wife i spiralled massively out of control. I don't even know how many payday loans i have. I am today in the process of trying to work just how much i have borrowed and how much i owe. But my most pressing issue is with the above company. The loan originally was for £350 i think, i contact them in october last year and made a token payment of £20 and they tried to enroll me in their own DMP which didnt seem appropriate at the time. In December i had further email correspondance with them and offered to pay them £20 per month but requested a copy of my original credit agreement and a breakdown of the account as the debt was some £700 at this point! The accepted my offer of £20 but ignored my request for a copy of the agreement and refused to send me statement of the account. As they wouldnt provide this i foolishly didnt pay the £20 per month agreed. My previous landlord has (moved out September) has contacted me to advise there is some official looking post, to cut a long story short 1st stop have applied and obtained a CCJ (February) at my old address and have now made an application for an attachment of earnings order (16th April). This is bad and could cost me my employment!!!!!!! So i need some advice desperately, should i apply to have the CCJ set aside on the basis that it was sent to the wrong address and the company refused to provide me with a breakdown of how the amount was arrived at, or should i fill out the form and request they suspend the order and offer to repay them over the next 3 months, which i can just about afford to do?

I have recieved an attachment of earnings for a car i owned when i took the car on i had a few insurance policies on it which i phoned and told them to cancel i also wrote to them asking them to cancel them they did not and i could not afford the car at the time (sickness at work = less pay) as the payments were to high with these on they said i had 14 days to clear the balance which i was going to clear as i was back working then 7 days after the letter i get a bailiff knocking on a sunday night demanding the car back i have heard nothing from them until i got this attatchment of earnings asking for £8500

I have an interesting one for everyone to think about and hopefully I will receive some advice. I had an attachment to earnings order issued against myself from the council in June 2012. My employer deducted the right amounts from my pay over a period of 7 months totalling £1284.00. My employer at the time only paid the council just over £600, even though the had taken the full amount this being confirmed by my payslips. The council have tried to get me to pay the outstanding amount as they thought I had moved employment, Which I did in May 2013. They have written to the company on various occasions seeking the remainder on the monies due to them, which had been deducted from my pay. It would now appear that this company went into liquidation in October 2013. The question I would like to know is, can the council pursue me for the remaining money. Even though I can prove that my employer at the time had taken the full amount to clear the debt. where do I stand

Hi, I am in Scotland, over 2 and a half years ago I moved house. I'm pretty sure that I informed the council of the move at the time. I have today received an arrestment of earnings for unpaid council tax for my old house completely out of the blue. I have had nothing from them since before moving out, and if I had I would have contacted them to discuss the matter. I genuinely have no idea where this has come from and can't work out what dates it is for from the arrestment schedule. I am planning to call them on Monday to find out where this has come from, but wanted to ask if there is anything that can be done at this stage? As far as I am concerned nothing should be due, I have been paying council tax at the new place since moving in. I have read numerous posts on this and understand that for this to have been issued it must have gone through some kind of court process, but I have not had anything regarding this either. Any help is much appreciated! B

Ive came home to the above. Luckily its been sent to my older employer for arrestment so maybe it buys me more time. In December an arrangement was made but when I went to pay online my installment it failed without my knowledge. If on friday I pay the missing payment and this months amount will the cancel the arrestment going ahead? I will call them tommorow. Im just worried sick tonight as this will ruin me. They already know im in rent arrears.

Hi, My wife has told me she received a N55 form(attachment of earnings order). I have discussed this with her and I believe we need to seek professional debt advice. is there a way of delaying the due date (received before Christmas) so we can get advice? also where is the best place to go for impartial advice and help...? Thx

I'm looking for some advice if possible, 8 days ago I received a letter from Leeds City Council with an Attachment of Earnings order against my name for the value of £220 (remainder of this years council tax) the problem is as follows: 1) I'm a single person so I claim the discount, I was told the amount due is £68, for the last 4 months at least (looking at statements) the council have received £70 from me a month. 2) I have written in 2 complaints, 1 8 days ago to the council tax recovery email and 1 4 days ago, as well as going on the online chat to the main council tax email address. Both of which have been ignored. Now it's almost xmas, which means I'm going to be looking at nearly 6 weeks gap between pay dates so I could really due WITHOUT this taken from my next wage. Can anybody give me practical advise as to what to do now? I'm going to try and ring them tomorrow but I fear they will just fob me off as usual.

Hi, I wonder if you could help me. I have received an Attachment of Earnings order from the court, but I have already come to an agreement with the creditor about making a monthly payment to clear the outstanding debt. I have made an immediate payment to them today, and will be making further monthly payments, starting next week. Do I still have to complete the Attachment of Earnings form? I would prefer not to, as I don't want them to write to my employer, as this could have a detrimental affect on my job. Thank you for any help you can offer, Daz