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  1. On form N244 there is a question (4) which asks "Have you attached a draft of the order you are applying for?" What is a draft order? Question 3 asks "What orders are you asking the court to make and why?" and I have written that I want the default judgement set aside and given the reasons I think it should be set aside. Does question 4 relate to this? Is it just a more in depth expansion of this or is it something completely different? I have searched on the internet and found conflicting answers to this. Some legal websites I have read say a draft order should be attached whil
  2. The government has proposed a new tiered system of probate fees in England and Wales, based on the value of the deceased's estate, rather than the current flat fee of £215. Under the new system, estates with a value of less than £50,000 will be exempt from probate fees altogether. This is a tenfold hike in the current probate threshold. It would mean that an estimated 30,000 estates a year would escape a probate charge. Estates worth more than £50,000 will face probate fees which rise as the value of the estate increases: For estates worth more than £50,000 but less than £300,
  3. Hi all I'm trying to get a court CCJ Judgement set aside. Essentially I am disputing the CCJ on the grounds that I had emigrated prior to the judgement being granted. 1. I disputed the debt and attempted to resolve this with the claimant. 2. Prior to emigrating from the UK I notified the claimant of my intention to emigrate and further agree settlement 3. After emigrating I confirmed I had left the country 4. They obtained a CCJ at my previous UK address 11 months after I emigrated 5. I never saw the summons 6. I discovered the CCJ 5 years later and now want it setting
  4. Does anyone know the bank details of Rossendales to set up the standing order, its the account number and sort code of Rossendales i need, its not clear on the website. Its because i have a bailiff coming in the morning and he said he will be taking goods. I have explained i am in terrible grief following the death of my partner, i explained i will not cope with the upset, i am in process of facing all the things i have not felt able, but i have a lot of unopened post so it wont be the only threatening letter. i need to be realistic an offer what
  5. Hi All, I've read lots of info on here but nothing that helps me for my specific case. I hope someone can throw their tuppance in! I have just found out that I have a CCJ in my name for a bill that I am not liable for. First thing I knew about it was when I checked my credit history. I am very distressed that this is on my credit history because I was hoping to get a mortgage in the next few months and this has completely messed up my credit score! The water bill at a place I now no longer live at is in arrears. I lived in the property as joint tenants with some f
  6. UK mobile networks look set to be forced to make it free to unlock phones at the end of customers' contracts, it was announced in The Budget. Currently, each major network offers different options to consumers who want their phone unlocked, with most charging for the privilege. Unlocking a phone allows customers to switch networks as they please. Following this week’s Budget, the government says that all mobile users should be able to have their handset unlocked at the end of their deal without paying. While it is hoping to get networks to sign up voluntarily, the gove
  7. Here are the current court fees which take effect from today 22nd April 2014. http://hmctsformfinder.justice.gov.uk/courtfinder/forms/ex050-eng.pdf http://www.consumeractiongroup.co.uk/forum/showthread.php?421493-Court-fees-increase-from-22nd-April-2014 http://www.legislation.gov.uk/ukdsi/2015/9780111127490
  8. Hello I really need some advice. I have been given an eviction date from my mortgage lender as we are in arrears and have failed to keep to an agreement. This eviction is set for the 10th of March, we only received the notice a week and a bit ago. I have filed an N244 application to try and delay the eviction. I just don't know if it will be successful and as this hearing is set for the 8th it would be cutting it very fine. I have written in the N244 that due to my wife's medical condition we desperately need more time to find accommodation. She has an chronic back/spine condition and stru
  9. Hi, I am new to this forum and new to legal terms and I am confused with what happened in court today. Someone please help me understand? Here is the story. I received an attachment of earnings order for a default judgement I knew nothing about. I enquired and found out that Lowell had applied to court a few months earlier and got the default judgement as I did not get any paperwork. Further, I had written them with CCA request but they never replied I thought that it is over and done with. I applied to local court to set aside the judgement with a witn
  10. Hi Caggers, I hope you can help . . . thought I was over this lot . . . I had an egg card many moons ago along with other CC's sadly when my printing company hit the wall in roughly 2008 things of course took a turn for the worst. I managed to pay off capital, spoke to barclayshark who said, you're not in arrears so we can't do anything . . . yet . . . i also paid off MBNA and pg's with the bank. I spent almost £30k paying off those and of course there was no more cash left and no income for agreements. Clearly BC and Egg don't listen and thanks to hel
  11. Hi all really need some advice am so worried. We have c/tax arrears for 2015/16 which up to today we had left 596.20 the last payment we we're due to make was late by 7 days due to my partner being self employed and the way payments fell due to Christmas. Anyway we have always made payments as agreed with jbw never have we not paid(over a £1000 has already been paid to them) well today I received a not so lovely visit from two bailiffs who to say the least we're not the most pleasant of people I have ever meet. They issued us with a enforcement notice for full payment which now st
  12. Hi all! I have been reading through alot of threads to gain info. We have a problem with a builder, who was supposed to do approx £27k of work on our house. I will keep details sketchy as I don't want to identify ourselves. he was a cowboy, didn't do the work as he was contracted to do (we had no written contract, but the Surveyor had specified what needed to be done and how and the quote referred to "all works as detailed in the surveyor;s report). To cut a long story short, he has had two attempts to fix the roof, and has only made it worse both times, and i
  13. Attending court on Friday with my daughter with regard to a set aside. Been dropped in it basically, what do i need to do, not done this before.
  14. Sorry if I have the wrong forum. In 2001 I had a Brantano Card via Creation. in 2003 I had a business failure and told them I couldn't pay anything. They left me alone and to be honest, they never came back to me. Time went on and I received a letter from Lowell in May 2014, I wrote back with the template letters from this site, the CCA proof £1, S10 form £10 for Account etc. I heard nothing back. in August, the same from Red, again I sent the two letters with postal orders, all via registered post. Then nothing. November I had the same a
  15. Choosing the best mortgage deal will become easier as major lenders have agreed to start describing mortgage fees in the same way by the end of this year. Which? and the Council of Mortgage Lenders (CML) have worked together to create a tariff of mortgage charges that will make it simpler for customers to understand fees and compare deals from different mortgage lenders. Lenders representing 85% of the mortgage market have agreed to use the fee names and descriptions laid out in the tariff on their websites by the end of this year. Previous research by Which? in 2014 fo
  16. aa I've never received a N24 form before, so I have no idea what to do, also I cant seem find anything to do with the N24 we've just received on the site. All we received was 2 sheets of paper, telling us to file within 7 days, & a cryptic accompanying letter sent to our solicitor. I've attached this to the post My main question is what is "an order excluding the Defendants from the property"? Does it mean a lodger ie an excluded tenant? or something else? Is it evicting a commercial tenant? The full paragraph says : " in detail and in numbered paragraphs t
  17. Pretty straightforward really My husband and I recently tried to rent a new property but the credit check came back negatively (we weren't expecting this). On checking credit report husband has been given a CCJ through the Northampton bulk processing business centre, the court documents were sent to his previous address 18 months ago. We have evidence that he didn't live in the property at the time. The debt is only tiny, (around £450) and had we known about the judgement at the time we could have paid in full and avoided the CCJ being added to the credit report.
  18. Is this all legit and above board? This is the sort of thing I mean; http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=84262 I have a similar issue with quickquid in which they sold a debt and all rights to a third party, but I think they have now bought it back and want to offset the balance against a refund I'm owed. I have noted that the debt is full of charges which would need to be removed. It seems unfair that they can do this as when they sold the account they broke the chain and their right to set it off against any future refund. And they probably sold it for a
  19. Hi people. I emigrated to Ozz 3 years ago in my absense Link Financial obtained a CCJ over an old disputed British Gas originally finaced by GE money. Link bought the debt from GE. The dispute was over the interest rate charged by GE money for the boiler. In essence I did no sign the credit agreement. The CCJ was issued on my old UK address. Today the court have agreed to set it aside, in a telephone hearing which is great, but have instructed me to write a defence letter to Link and also the Court, I acknowledged to the Court that I owe money for the Gas
  20. Hi i would be grateful for any clarification other caggers can provide. LTSB Gold Service Payment application form circa 1990's. across the top of the application 'Lloyds Bank Gold Service Payment/Photo Card Application Form' underneath Credit agreement regulated by the Consumer Credit Act 1974. this is very confusing as part of the document states under 'Security' 'the overdraft facility made available under this agreement is unsecured and shall not be secured or treated as secured by virtue of any mortgage, charge or other security which i/we may have already give
  21. Hi all, The last 6 months or so i've been finally cleaning up my credit file and dealing with various debts i built up over several years. In early 2012 got stuck in a pay day loan cycle and my brother died in his 30's and i suffered depression and barely kept going at work and just buried my head in the sand. Whilst this was going on i had bought a couple of items ( as far as i remember) from Littlewoods mail order catalogue. At the time i'd totally given up my credit file and was in no condition to be taking credit to be honest. out of the Blue 18 months later,
  22. Hello, I have discovered that there is a CCJ from 2011 for over £7k against me. I think it relates to a credit card with MBNA. The thing is, at the time of the issue of the CCJ I had been living abroad for over two years and had informed MBNA of this fact - never received a reply. The CCJ was taken out by a DCA and not by the original creditor. I doubt my change of address was noted. Instead the CCJ was taken out at my parents' address - which was not my last known UK address, but my last but one. I would have disputed the amount as this seems incorrect. I
  23. PPI used to set off credit card debt I have found out today that 3 years ago Halifax used my PPI award to set off against a credit card debt. I haven't had any correspondence about this at all. It only came to light because a few weeks ago they sent me a letter and questionnaire saying that my PPI claim could be reconsidered. Today's letter says that it was reconsidered in 2012 (without my knowledge) and I was awarded £1100. I couldn't find any record of this in correspondence or bank so rang them - after much faffing about the girl said it
  24. Hi, is there a set procedure which Banks, building society's and investment Co are legally, duty, morally bound to follow, if an account holder/investor reports suspicious activity (Fraud) on their investment/account.? I ask as recently I reported a suspicious activity (Fraud) on an investment and was told it was transferred out to ( a person known to me) and "we will be investigating" I asked should I report it to the police and was told that was my right to report it to police but "we will investigate". I decided to report the fraud and contacted, Action Fraud. I
  25. Hi all There seems to be a glitch in the other sub forum i wanted to post in so posting in here I was wondering if anyone has had any success with asking the creditor who issued the CCJ that if i agree to pay will they agree to the set aside. Just a bit of background: (short and sweet) was issued this back in Nov 14, i never received the original claim but received the default CCJ. After some research i understand this cant be a reason to have the CCJ set aside by going down the normal route. I'm still very new as to what to do to be honest many thanks for taking the
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