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    • Hello again,   My husband's court date for the above is next week and he is extremely anxious and worried about it.    I explained that it is just a hearing to see if the court will enter a summary judgement and that they probably will not due to his statement that was sent, but he is worried that he will be put on the spot and asked questions and that he will get a CCJ..   I have said that he can just refer to his statement if asked anything and that it may be in a room type of thing, rather than an official looking courtroom..   Am I right in the above please?   Also, what happens if someone from Cabot doesn't attend? Does that make any difference? Should my husband be ready to say something about it to help in his favour, if so what?   Apologies for all of the questions, I know that you two are very much in demand all over the website. 
    • Is this correct ?
    • OK, so I've rather unfairly picked up a CCJ from a business overdraft debt that's been going on for years. I had court claim forms in 2014 which I managed to stave off. and again in sept 2016. This time I've acknowledged the service, filling in what I thought was the correct amount I thought I owed. I've since had the personal guarantee paper copies in my possession and I owe £21K. I sent them back along with a new address for all correspondence to be sent to, and then agreed to a Tomlin order to pay debt off monthly.  Now, these were sent back and forth and eventually signed, but apparently only partially. So DD was set up at same time, in Jan 2017. over next couple of months we paid, and also go letters to sign new Tomlin which we ignored as it was signed. In March we got another TO with 7 days to sign it and send back. We had one day to get this to them and phoned to say it wouldn't be there, that's ok they said, well extend it, just keep paying and send it back asap, we did send recorded (since lost receipt). We assumed they'd got it, and didn't hear a peep from them. Until July 18, when I found id got a CCJ from Feb that year. I've logged a complaint with solicitor, and had a response, they are denying any knowledge of anything. They had no TO so took it to court without my knowledge.  I didn't think there was anything I can do. However, as it turns out, the court sent papers to an old address even though solicitor had new address for 13 months, and address for correspondence was on the claim papers I sent back. Upon closer inspection the numbers are all wrong too, nor a lot but its about £200 adrift. We called their office too within the 30 day notice period, oddly they have no record of that.  And all this is on a "Business Charge Card Guarantee" …. anyone explain that?? In the mean time we've paid £5K+ of the debt off. At no point did anyone in the process let us know we'd had the CCJ logged against us. Is that right?? Or legal? I was intending to get it set side, but was told by them it was pointless. Just want to get back to point A. Paying it isn't the problem, it getting the CCJ reset. Please Help!!! 
    • same with jaguar s-types etc. all kind of weird issues if the battery is on the way out or the terminals/earth straps are not reconnected tightely/properly.   mine was the earthing strap to the gearbox, was rotted and got knocked during the gearbox oil change.
    • what have they got that they can respond too that counters your SB defence? zilch.   as with every erudio claimform or PAPLOC thread on CAG you solely got the claim because for whatever reason , to that date, everything was ignored.   once a response is made they go away.   default CCJ avoided. you must read up and understand how arrows [erudio!!] operate  
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what should l tell the valuation office?

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hi, got a request from the valuation office agency for Non domestic rating requesting info on my husbands rent for his workshop(for business rates).the business has now closed due to his illness with cancer and currently he is storing his stuff in it until he can get rid of it, blacksmiths stuff. he is on invalidity benefits.

last year we got small business rebate,(which was worth 50% of the rates charged)as i was initially advised to keep claiming it, as this would be cheaper than the severe illness thingy they can grant, it also takes much longer than the small B R to grant .but at the time he hoped he would work again.

question is, if he isn't trading any more can he still claim small business relief or the severe illness thingy? i assume if we cant, he will have to pay the full rates if we are simply occupying the premesis. i have no idea when the anvils, forge and 2 ton power hammer may be removed!!

i am still having to pay the rent.

i ask because the first question is..what is the property used for?

should i say storage ?

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yes tell them it is used for storage of his tools, it may even be worth calling them and explaining your situation, they may have more answers for you.

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