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Hi I am so stressed out. I've been at a University address since recently and came home to parents house to discover i have had a CCJ filed against me last month for an old catalogue debt and have been ordered to pay £50 per month with the first payment due in the next few days. I don't dispute the debt I just have no money and as I have now just completed my final year at Uni I am technically unemployed. I will be moving back in with parents very soon and am worried a bailiff will be paying me a visit and cause great embarrasment and distress to them. I've done some preliminary research but it looks very complex to me. Whether I apply for it to be set aside, or ask a court to change the amount, it all involves paying a fee which I don't have. I think in order to get help with fees you have to be on JSA/unemployment benefit? I don't want to do this. Just wondering what is likely to happen now? The amount of the debt is "only" around £300ish but I can't afford anything until I get a job. If the bailiff comes and I don't let him in, I know they can't force entry as long as doors are locked etc but what is the worst they can do? Can I just ignore him completely? Any advice greatly appreciated
My wife and I have been struggling financially due to my being unpaid for the first 10 weeks of this year and this being followed by me being made redundant. Following this I was unemployed for 2 months, I have now found employment as a postman but my take home wage is approx £1,200 less than it used to be. We are keeping up to date with all our priority debts, we have fallen behind with non-priority debtors, now we have written to other debtors and most of them have agreed our reduced payment terms, HSBC seem to be ignoring our letters at present. My wife's Sygma card passed it onto Dryden Fairfax solicitors, despite our writing to both Sygma and Dryden Fairfax with our offer of reduced payment they decided to issue a CCJ. We filled out the forms supplied by the court and sent them a budget statement giving a detailed breakdown of our situation, our statement shown that we had £135 available to distribute amongst non-priority debtors which we did on a pro-rata basis, this allowed £3.20 per month for this account. Today we had a letter back from the court stating that "The claimant has objected to the rate of payment you offered", it then states that the court has decided on a rate of £635.81 per month. There is no possible way we can pay this amount, I have downloaded and filled in a N245 form offering a payment of £20 per month, we can afford to stretch to this. Is there any other action I should/can take at this point ? Should I send a letter with the N245 form asking how the figure of £635.81 was arrived at and then explain our current situation ?