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  1. Hello, As seems to be the case with a few people on here and other forums, I have recently received court papers from Arrow Global on what I assumed was a written off (or statute barred) debt. I am now aware of the standard template and answers I need to give - but I did just have a quick "pre question" - it would appear that I made a "rogue" payment on this account (not to Arrow - but to a different DCA) in 2012 - I had a Standing Order set up on an old bank account - forgot about it - and happened to have enough money in account to pay it - other tha
  2. Hi I've been getting a number of letters from different debt companies and i stupidly ignored and even stopped opening them. I now have a letter from Northampton county court ordering a payment of over £8,000 for a certain credit card bill. I however suspect that this debt might be over 6 years as i remember getting into financial difficulties and defaulting when i was on maternity leave six years ago. I have read a few threads on here that mention doing a set aside and am guessing this is the route i need take, but am not sure who to contact regarding how old
  3. Hi all, When I got my payslip for October, there was an Attachment Order on it which took a significant amount of money from my wage. I knew nothing about this attachment order prior to receiving my payslip. I spoke to our payroll provider who told me it was put on by the County Magistrates. The payroll eventually provided me with the paperwork sent to them by the court. This appertains to a person with the same name, D.O.B and had my N.I. number and payroll number on it - the only thing that didn't match was the address which is in a town some 20 miles away that I ha
  4. Afternoon all ! Need a little advice on a creditor applying to court for an attachment of earnings from a CCJ. How will a court assess this if I am contracting on short term three month contracts ? How will the court perceive this if I contacted the creditor to pay missed payments but they refused to accept them pending court response ? Thanks...
  5. Today my other half received a rather strange letter titled Notice of Transfer Of Proceedings from Cabot Financial UK Ltd that states this claim has been transferred to the county court at _____________ for enforcement. This was done apparently because she did not reply to N56 (form for replying to attachment of earnings application) within the specified time. She did not receive this form. The receiving court will arrange for the bailiff to serve N61(order for statement of means) The only CCJ she had was over 10 years ago and is now definitely statute barred. Is
  6. Hello, Can anyone give me some guidance please? I need to provide my figures for the month online for Universal Credit. The only thing is i don't know where to enter them and they were due yesterday but i cannot get an answer anywhere. I just need to know,as this is the first time,where and how do i do this? Thanks
  7. I am in desperate need of some advice please. Up until Christmas my debt was in control but over Christmas I split with my husband and things have become hard. Today I received 2 attachment of earnings orders from the council applied to my estranged husband. This is going to cause me a whole load of issues with him and none pleasant. Can I appeal this or even have this attached to my earnings. He gets paid in 3 weeks so I don't have long to sort this out. I am petrified as the relationship ended on bad terms.
  8. Hi All Received a letter from Mortimer Clarke today regarding a debt to Cabot Financial. Letter claims their client obtained a judgement against me on 04/02/2016. First paragraph says "Because you have failed to pay the judgement debt in accordance with the terms of the judgement our client is now entitled to take action to enforce the judgement order against you. Our client has instructed us to apply to the County Court for an Attachment to Earnings order to be made against you." Final paragraph says "If you do not contact us within 7 days , then our client has instructed
  9. Hopefully this is on the right board. Any advice or thoughts appreciated. A long story behind this but to keep it as brief and to the point as possible, the issue is this. My business closed in 2007 with lots of debt (sole trader - lesson learned). I did not go bankrupt as I was served with several statutory demands (took debt advice was told to wait for one of them to bankrupt you) no one carried through with it so got through the 6 years apart from the below which is still hanging over me.(all another story) One of the Credit card debts Lloyds Bank about 11K did th
  10. Hi All My partner no longer lives in the UK, but has received a few emails from an old (believe pdl) debt over the last few months relating to a CCJ which was granted after she left the country. The DCA are called TM LEGAL SERVICES They have now sent the following: Following our recent letter, you have failed to contact the office to set up a repayment on your County Court Judgment. We are now in the process of contacting your employer to verify your status of employment. Once we have confirmed the status of your employment, we will complete an N337 Form (Request fo
  11. Hi There. My wife has just received through the post an attachment of earnings form from the MCOL Business centre. A CCJ was awarded in default as was sent to a previous address. My wife only found out about it when she received a Noddle credit profile change notification. She spoke to Robinson Way who advised it was issued at a previous address. She gave them our new address and interestingly the attachment of earnings form has come through to our current address. Details of the debt: Original creditor was Egg (so suspect any CCA would be "interesting" to
  12. Hi and thanks in advance for any time and help . Been meaning to post for a while , a letter that arrived yesterday (29/9/15) has spurred me on , My wife a number of years ago had run up a £10k Yorkshire bank visa card debt. When I looked into it earlier this year when she told me about the debt it seems (according to noddle) she received a CCJ dated on her credit report on the 1/10/09. The letter that arrived yesterday from the county court is titled a "general form of judgment or order" and goes on to say ," It is ordered that ME III limited be substituted
  13. I am a single mum working part-time and receiving a some housing benefit. Recently my 17 old daughter who is a full-time college student has started a part-time job. Will her earnings affect my Housing Benefit?
  14. Hi all, I know the max number of HOURS you can work is 16, but is there a cap on what you may earn? I'm fairly ok paid WHEN I'm in work and am toying with the thought of doing some very minor projects, these could (if I'm very lucky) net me more than I get from JSA but I imagine the DWP have an upper cap. Only problem is I don't know if those projects will be any kind of long term thing.
  15. Hello, I was declared bankrupt on 19th May 2017. I had a CCJ from Capquest that predates this by a month or so. The other week I received a letter from the County Court stating Restons have applied for an attachment of earnings for Capquest. I returned the N56 and attached a cover letter explaining the debt was included in my Bankruptcy and included a copy of the bankruptcy order. I sent a letter to Restons with this detail also. Today I received a transfer of proceedings form moving it to my local county court. It states I never returned the N56, which I obviously did
  16. Just trying to help a colleague out at work. Long story short. - Car sold approx Sept last year - V5 sent to DVLA - No acknowledgement received - One month later moved house - Last months & this months wage packet shows unknown deductions - 2 weeks of chasing answers - Found it relates to a fine for none notification of change of keeper for sold vehicle last year - DVLA correspondence suspected to be posted to old address - Believed that court got a different address from the DWP that colleague had never heard of let alone lived at. - Colleague tracked down court and
  17. Hi To cut a long story short. I had a business that went bust. One supplier managed to gain a CCJ against me 4 years ago. The invoices were in my name and not the Ltd companies name, hence why i have the CCJ against me. My problem is how long can the HCE officers chase the debt for. I know that a CCJ lasts for 6 years after which it is removed from my credit file. But what about the debt. I have paid some monies towards it over the 4 year period, but havn't paid anything for the last 6 months. They don't know were i live as i moved from t
  18. I was registered as self employed between 2011 and 2017. This was a small sideline along side my main PAYE income (so my NI contributions are already made up for the years in question), and me SE profit was generally about £1500 per year (highest was about £2500). Now I've just had a letter from HMRC demanding Class 2 NIC for 2011 to 2015. Don't know why they've only just written to me about it, first I've heard from them on this subject since 2011. I was always under the impression that as my income was below the small earnings exception, I was exempt from having to pay class 2 NIC? I se
  19. Hi, I'm hoping somebody here may be able to advise me. I have recently become bankrupt at the end of May. The DWP have just sent me a letter claiming an attachment of earnings to cover an old social fund loan. I did include this in my list of debts on the bankruptcy application. Can they still go ahead with the attachment of earnings depsite my bankruptcy? Thanks
  20. Hope this post is in the right place.... My ex hubby is paying Arrow Global/Restons for an old debt. It went to court and he was served with an AOE but he agreed a lower payment of £15 per week by DD instead of the £30 taken from his wages. He has been paying this for a couple of years now, in the last 6-8 months he has missed about 4 payments so they are enforcing the AOE. He has moved jobs and they sent the request to his old employer but obviously as he is no longer there the courts have sent a letter to his home address with the form N56 to complete. As he i
  21. Hello, this is my first time posting and I really hope someone can help me. I have got myself into a complete mess with my council tax over the last year or so. I have completely neglected payments as I have simply not had the money to pay. It have now got to the point where my employer has received an attachment of earnings order, I think maybe 2. At first I was OK with this as at least my arrears will now be paid. After thinking about how much will be deducted from my earnings I am very worried that I am going to be left with nothing to live on. If there are 2 o
  22. Hi guys, so over the years i've read the forums and they have helped me out greatly. Now i have something i don't think i've ever read before Bluestone credit management took me to court using banner jones, i requested the case be heard at a local court. The case was heard and i said that the case should not have even been heard since the creditor had not sent me a notice of assignment as directed under the law of property act 1925. The judge decided the claimant has 21 days to send me a notice of assignment, this turned up today, first class recorded. Now the in
  23. Due to various bouts of unemployment, low wages and general lack of funds over a prolonged period my local council sneakily slapped an attachment of earnings order on me ( i was asked for a full breakdown of my income and outgoings , and they said they would use it to work out a manageable repayment schedule that would help me to pay off my quite considerable backlog of council tax debt ) .. Unfortunately for them, the company i worked for, as a van driver/courier ,for considerably less than the minimum wage regarded me as self employed .the AofE order couldn't be enforc
  24. Hi guys this is my first time posting so please bare with me. I have just received a letter from County Court Money Claims Centre titled, "Notice of application for attachment of earnings order" the creditor is Capquest and the sum is £9398 this is for a credit card I had 10 years ago, I have never corresponded with Capquest they got a CCJ against me at Northampton court last year. My question is, will they succeed in getting money back through my employers? Should I fill in this means form and return it? Thank you very much for any help.
  25. I have a charge order placed on my house by Bristol & Wessex Water for £1800. They recently sent me a letter stating that if I don't pay the full amount they will be taking legal action and apply for an order for sale. I then will be sent an order to vacate my property within 28 days. My house is owned outright with no mortgage and currently valued around £200K. I am living on a small private pension with no chance of paying back the debt. I went to the CAB who told me that I will end up homeless and living on the streets as there is no social housing available for s
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