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Found 11 results

  1. I currently have a Warrant of Control issued for a CCJ (£800). I've been advised to fill out an N245 to both vary the installment order and suspend the warrant. I'm currently unemployed, married with 2 children and the only money coming in is from my partner. All bills, debts and other outgoings are from their income. Section 7 of the N245 states I can't include outgoings if they come from any one else in the household. Can I just put zero for everything as I have no income or outgoings? I'm also in the middle of applying for a DRO due to the amount of debt and the chance of my
  2. I have been rather stupid and rather than dealing with my CCJ, I ignored it. I received a letter from the Bailiffs office, was dated 26th July, but didn't actually open it until Thursday 29th. I tried to call the bailiffs number with out any success. After looking for some advice on line, I made an application using N245 on Friday 30th June and was advised at the Country Court that the bailiff would see the application on Monday morning, which is the 3rd Of July - date they said they would be visiting. I was told that this application should s
  3. I had several accounts with Nat West, personal and business. When requesting statements do I need to send £10 for each account or £10 for the whole lot?
  4. Hello everyone. I am in such a stupid position that I have got myself into. I am extremely worried that it is stopping me from sleeping. To cut a long story short I have buried my head in the sand for far too long, on June 21st the Bailiffs will be coming to my house. I have been looking around and seen that it's possible for me to fill out a 'n245 form' and ask the court to stop the bailiffs coming. I have a few questions before I do. Firstly, tomorrow I plan to print off the form and send it out first class. Can the Bailiffs next week after I s
  5. Hello, I am looking for some quick help please. I have a County Court Bailiff who is attending my house regularly. I have refused entry many times. I am aware I need to pay this money, but paying is difficult with my income. The CCB keeps bringing me and hassling me to fill in an N245 form and one for a reduction in fees. They say it's to suspend the Warrant of Execution. My problem is that I have never had to do this before and I find it hard to believe that this bailiff is bringing me the answer. Is there anything I should know about this for
  6. Given the degree of misunderstanding about an N245 Application (together with inaccurate advice about enforcement of a writ of control by a High Court Enforcement Officer) a debtor is reporting online that her debt has increased by almost £1,000. Background: On 2nd December the debtor posted that she had received notification from a High Court Enforcement company that they were enforcing a CCJ. She made clear that she wanted to pay the debt within one month of the date of the judgment (17th November) so as to ensure that her credit rating was not affacted. On receipt of th
  7. Hi, First time poster, long time lurker, so be gentle! My partner had an old mobile phone debt being chased by Lowell for 3 Mobile. I sent them the Prove it letter in 2011 back not acknowledging the debt and requesting the credit agreement. They sent back one page of an overdue mobile phone bill as proof. Nothing else. The debt would have become statute barred at the end of this month. Fast forward a few years, and it now turns out they issued a CCJ for £350 in January to an old address she has not lived at for 6/7 years, whilst sending threat-o-grams to our cu
  8. Hi all, Delighted to be here. I have been involved with credit card and loan companies totalling about £80K, numerous DCA's etc for over a decade now and not been collected on yet, and will be happy to contribute here in future with my experiences etc. I do have another situation for which I would appreciate advice. Myself and my son jointly just got a CCJ against us for what the claimant claimed were fake goods but in fact were genuine - we were basically ripped off to the tune of a total of nearly £9K including expenses. The judge ordered full payment in 14 days. I h
  9. Had a civil case and lost with the judge ordering me to pay loads within 14 days. Sent in N245 variation request complete with tax returns showing my losses, bank statements showing my constant overdrafts and the stepchange printout detailing all my credit card debts. Judge decided that the application for instalments be dismissed on the basis that the judgement sum cannot be paid within a reasonable time. (I did tell the creditor I had no money but he didn't believe me) I really have nothing I can sell and no-one I can borrow from (who'd lend me anything) so now I am worried th
  10. My wife and I lost a county court claim as joint defendants and have been ordered to pay £2800 forthwith. We don't have it and a debt charity has gone through our figures and said run, sorry, offer £1 a month token payment because you are living on credit cards. We are trying to fill in an N245 application for variation but I am a little stuck. We have one source of income, my Wife's self employment, which we both work within and share the childcare responsibilities, so effectively I have no income of my own save for the child tax credits that are awarded to both of us (I do not clai
  11. Hi I'm a bit confused with the situation I am in at the moment.. December 2012 , I had sued an ex Landlord for property that had been taken by him. the judge decided that I owed him £1200 rent arrears and he owed me £500 + a fridge freezer returned I chose to have my £500 taken off the £1200 rent arrears thus the outstanding £800 as what I owed as part of the CCJ the judgement was I pay £100 per month to the other party for 8 months I can not afford this and stupidly agreed in court to it, I dont know why if I am honest. I receive £67 per week and bills/househo
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